Legal Framework of OSAGO
Compulsory civil liability insurance for vehicle owners (OSAGO) is regulated by the legislation of the Kyrgyz Republic. The primary regulatory legal act is Law No. 192 of the Kyrgyz Republic of 24 July 2015 “On Compulsory Civil Liability Insurance of Vehicle Owners”, adopted by the Jogorku Kenesh of the Kyrgyz Republic. The Law establishes the legal, economic and organisational foundations of compulsory insurance, defines the rights and obligations of the insurance participants, as well as the procedure for compensation for damage caused by road traffic accidents.
In addition to the above Law, certain matters are regulated by the Civil Code of the Kyrgyz Republic, regulatory legal acts of the Cabinet of Ministers of the Kyrgyz Republic, and other documents adopted in implementation of the Law.
What regulatory acts govern OSAGO?
The compulsory insurance system comprises several levels of regulatory framework.
Core documents:
- Constitution of the Kyrgyz Republic;
- Civil Code of the Kyrgyz Republic;
- Law No. 192 of the Kyrgyz Republic of 24 July 2015 “On Compulsory Civil Liability Insurance of Vehicle Owners”;
- Compulsory Insurance Rules approved by the Cabinet of Ministers of the Kyrgyz Republic;
- Other regulatory legal acts governing insurance activities and compulsory insurance.
Purpose of the OSAGO Law
The main purpose of the legislation is to protect the property interests of persons harmed as a result of the use of vehicles.
The existence of compulsory insurance allows:
- ensuring compensation for damage to victims;
- increasing the financial protection of road users;
- establishing a uniform mechanism for settling insured events;
- ensuring the stable operation of the compulsory insurance system in the Kyrgyz Republic.
Rights of the Policyholder
The policyholder has the right to:
- conclude a compulsory insurance contract;
- receive reliable information about the insurance terms;
- apply for clarifications regarding the operation of the contract;
- receive documents confirming the conclusion of the contract;
- exercise other rights provided for by the legislation of the Kyrgyz Republic and the insurance contract.
Obligations of the Policyholder
The vehicle owner is obliged to:
- duly enter into a compulsory insurance contract in cases provided for by law;
- provide accurate information when concluding the contract;
- comply with the terms of the insurance contract;
- in the event of an insured event, comply with the legal requirements and the terms of the contract.
Rights of Victims
Persons harmed as a result of a traffic accident are entitled to have their insured event reviewed and to receive insurance compensation, subject to compliance with the legal requirements and the terms of compulsory insurance.
Each claim is considered individually on the basis of the submitted documents and the actual circumstances of the incident.
Obligations of the Insurance Company
The insurance company is obliged to:
- conduct its activities on the basis of a licence;
- conclude compulsory insurance contracts in accordance with the law;
- review claims regarding insured events;
- make decisions on claims in accordance with the established procedure;
- comply with the requirements of the legislation of the Kyrgyz Republic.
Amendments to the Legislation
Legislation in the field of compulsory insurance may be amended. For example, in 2024, the Cabinet of Ministers of the Kyrgyz Republic introduced changes to the Compulsory Insurance Rules, clarifying the procedure for re‑registration of a contract upon the change of the vehicle owner.
Therefore, if questions arise, it is recommended to refer to the current versions of the regulatory legal acts or to consult the specialists of ARSENAL‑KYRGYZSTAN Insurance Company.
Where to access official documents
For the most up‑to‑date information, we recommend using official state sources:
- Centralised Bank of Legal Information of the Kyrgyz Republic;
- Official website of the Cabinet of Ministers of the Kyrgyz Republic;
- Official website of the authorised body for the regulation of insurance activities.
Frequently Asked Questions
What is the main law governing OSAGO?
Law No. 192 of the Kyrgyz Republic of 24 July 2015 “On Compulsory Civil Liability Insurance of Vehicle Owners”.
Can the legislation change?
Yes. Regulatory legal acts may be supplemented or amended. It is recommended to use only the current versions of official documents.
Where can I view the official text of the law?
On the official state legal resources of the Kyrgyz Republic, including the Centralised Bank of Legal Information.
Why is it important to comply with the legal requirements?
Having a valid OSAGO policy helps to meet the legal requirements and provides a mechanism for compensation to victims in cases provided for by law.
Still have questions about the legislation?
Specialists of ARSENAL‑KYRGYZSTAN Insurance Company will help you understand the legal requirements, the OSAGO registration procedure, and the specifics of compulsory insurance.
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