Car Insurance Rules in Kyrgyzstan
Car Rental & Insurance Rules in Kyrgyzstan – 2026
Clear, transparent and fair conditions
Rent a car with peace of mind. All our vehicles are fully insured, including the mandatory third-party liability coverage (OSAGO) required by Kyrgyz law since 2025. This ensures basic protection for third parties in case of an accident. Comprehensive damage coverage for the rented vehicle itself is provided with a clear deductible system.
Rental Requirements
| Item | Requirement |
|---|---|
| Driver’s age | 25 years and older |
| Driving experience | Minimum 5 years |
| Previous license | Attach old license if current one shows only issue date |
| Security deposit | 800 USD in cash only |
| Not accepted cards | Revolut, any virtual/non-physical cards, American Express |
Insurance Coverage
Deductible: 800 USD In case of total loss (vehicle cannot be repaired ( CASKO )) — renter’s liability 15% of the car value (see rental agreement)
Third-Party Liability (OSAGO)
| Item | Amount |
|---|---|
| Maximum coverage by insurance company | 1 000 000 KGS |
| Anything above this limit | Paid by the renter |
What Is NOT Covered (Excluded / Non-insured Cases)
| № | Situation / Type of damage | Notes |
|---|---|---|
| 1 | Driving under the influence | alcohol, drugs, prohibited substances — strict 0.0 |
| 2 | Accident due to serious traffic violations | double solid line, red light etc. |
| 3 | Damage to underbody, tires, suspension, glass, optics | unless caused by covered event |
| 4 | Off-road driving, river crossings, fording | — |
| 5 | Negligence / careless use | wrong fuel, ignored warning lights, no oil/coolant/tire pressure check |
Additional CASCO (Extra Insurance)
Price — 10 USD per day Can be added during online booking or at the moment of vehicle pick-up
Main Coverage (Vehicle Damage Protection)
Covered events
- Road traffic accident on public roads
- Fire
- Explosion
- Natural disasters
- Unlawful actions of third parties
- Stones, gravel, falling objects (except pure paintwork damage)
- Theft / hijacking of the vehicle
- Other sudden external events
Very important: Even with Extra Insurance the renter personally pays for any damage to:
- tires
- wheels / rims
- battery
What to Do in Case of Accident / Incident
- Do not move the vehicle
- Make sure everyone is safe (call ambulance if necessary)
- Call traffic police – get official report even for very small damage
- Record witnesses (if any)
- Take many photos & videos — vehicle + accident scene from all angles
- Call us immediately – we will guide you
- Be ready to pay government fines + towing + other non-covered expenses
Penalties for Loss & Non-Covered Damage
| Item | Cost |
|---|---|
| Loss of vehicle registration doc | 300 USD |
| Loss of one key | 200 USD |
| Tire damage | 100–150 USD per tire |
| Loss / theft of license plate | 250 USD per plate |
| Minor scratches & damage (bumper etc.) | 250–300 USD |
Important Information
The renter bears full responsibility for: • own safety • passengers’ safety • all personal belongings
We are here for you 24/7 Feel free to call or write at any time — we will always help.
Safe and wonderful journey across Kyrgyzstan!
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