General Questions
What is OSAGO?
OSAGO is compulsory motor third-party liability insurance, which provides compensation for damage caused to third parties in a traffic accident.
Is it mandatory to take out OSAGO?
Yes, in cases provided for by the legislation of the Kyrgyz Republic, having a valid policy is compulsory.
What exactly does OSAGO cover?
OSAGO covers the liability of the vehicle owner towards third parties, not the vehicle itself.
Does OSAGO cover the repair of my car?
No. OSAGO does not cover damage to the at‑fault driver’s vehicle.
How does OSAGO differ from CASCO?
OSAGO is compulsory liability insurance for third‑party damage.
CASCO is voluntary insurance of the vehicle itself.
Questions about Issuance
What documents are needed for registration?
The list of documents depends on the client’s category. For more details, see the page:
➡ https://arsins.kg/ru/services/osago-dokumenty
Can I apply for OSAGO online?
Online application is available on the company’s main page.
How long does the registration take?
As a rule, it takes minimal time provided all necessary documents are available.
Can I buy a policy for another person?
Yes, with the appropriate documents.
When does the policy become effective?
The effective period is specified in the insurance contract.
Questions about Cost
What does the cost of OSAGO depend on?
The cost is determined in accordance with the law and depends on the vehicle’s characteristics.
Can I find out the price in advance?
Yes, you can get a consultation or a quote:
📞 7007 – free call.
Why do prices differ for different cars?
The cost depends on the vehicle category and other factors specified by law.
Questions in Case of an Accident
What to do after an accident?
Follow the procedure outlined here:
➡ https://arsins.kg/ru/services/osago-dtp
Do I need to call government authorities?
In most cases – yes, in accordance with the legislation of the Kyrgyz Republic, the accident must be officially recorded.
When should I notify the insurer?
It is recommended to do so as soon as possible after the incident.
Can I settle without the insurer?
Not recommended, as this may affect further claim handling.
Questions about Payouts
How do I receive an insurance payout?
You must file a claim with the insurance company and submit the required documents.
➡ https://arsins.kg/ru/services/osago-vyplaty
How long does it take to review the claim?
The timeline depends on the specific case and the completeness of the submitted documents.
What determines the amount of the payout?
The nature of the damage, the assessment results, and legal requirements.
Can a payout be denied?
Yes, in cases specified by the legislation of the Kyrgyz Republic.
Additional Questions
Do I need to renew OSAGO?
Yes, after the policy expires, you must obtain a new one.
What happens if I don’t have OSAGO?
The absence of a policy may result in consequences under the law of the Kyrgyz Republic. Fines are imposed on both individuals and legal entities, and the amounts may differ.
Can I change the data on the policy?
Yes, if necessary, please contact the insurance company.
Is OSAGO valid outside Kyrgyzstan?
No, unless otherwise provided by the contract or additional agreements.
Can I buy a policy for a short term?
The term of insurance is determined by the contract terms and the law.
Still have questions?
Specialists of ARSENAL-KYRGYZSTAN Insurance Company are ready to advise you on any OSAGO‑related matters.
📞 7007 – free call.