Editorial translation
Resolution of the Management Board of the National Bank of the Republic of Kazakhstan dated May 30, 2016 No. 140#
Official source: Adilet / https://adilet.zan.kz/rus/docs/V1600013928
Edition validity verified: 2026-10-06.
Rules for Calculating and Applying the Bonus-Malus Coefficient for MTPL#
Chapter 1. General Provisions#
- These Rules establish the procedure for calculating and applying the bonus-malus coefficient for determining the insurance premium under compulsory insurance of civil liability of vehicle owners.
- The bonus-malus class reflects the insured driver's risk profile based on accident history over the preceding insurance periods.
Chapter 2. The Bonus-Malus Scale and Coefficients#
- Rating classes range from class M2 (highest risk, malus) to class 18 (lowest risk, maximum bonus). Initial entry class for new drivers without prior insurance history is Class 3 (coefficient 1.00).
| Driver Class | Bonus-Malus Coefficient |
|---|---|
| Class M2 | 2.45 |
| Class M1 | 2.30 |
| Class 0 | 2.15 |
| Class 1 | 1.80 |
| Class 2 | 1.40 |
| Class 3 (Base) | 1.00 |
| Class 4 | 0.95 |
| Class 5 | 0.90 |
| Class 6 | 0.85 |
| Class 7 | 0.80 |
| Class 8 | 0.75 |
| Class 9 | 0.70 |
| Class 10 | 0.65 |
| Class 11 | 0.60 |
| Class 12 | 0.55 |
| Class 13 | 0.50 |
- In the absence of insured events (at-fault accidents) during an annual contract, the driver advances one class higher (bonus discount). Upon occurrence of at-fault accidents, the class drops according to the transition matrix.
- All driver classes and insurance histories are tracked centrally through the Unified Insurance Database (USDB).