BTA Insurance SC of the BTA Bank, JSC

“BTA Insurance SC of the BTA Bank”, JSC”

“BTA Insurance SC of the BTA Bank”, JSC” is a unique company specializing in civil liability and property insurance, namely vehicle insurance, real estate insurance, small-scale enterprises’ property insurance and civil liability insurance.   

Long term experience of the company in insurance business is active and professional works directed to establishment of new mechanisms of communication with clients through providing high-quality services.  

insurance of cargoes

We offer you insurance of cargoes of various kinds, including dangerous, transported by all types of transport within territory of Republic Kazakhstan and worldwide.

BTA insurance gives possibility to choose the combination of risks most convenient and approaching at the price for protection of your cargo:

• Category A - with responsibility for all risks

• Category B - with responsibility for private failure

• Category C - with responsibility for wreck (full  destruction)

Insurance possibility under the general contract which allows to lower document circulation and to plan expenses on insurance.

Following expenses can be included in the insurance sum:

• your expenses connected with transportation of damaged, lost, destroyed cargo, defined on the basis of transport documents;

• the expenses connected with transit storage, cargo protection in a way

The factors influencing for the size of the tariff:

• a kind of transported cargo;

• a transportation route;

• the chosen insurance covering;

• cargo cost;

• transportation conditions;

• cargo weight.

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• Insurance of property of the enterprises

Your property interests, and also the interests of the third parties connected by operation movable and real estate are subject to insurance:

• office buildings and premises, warehouses, trading buildings;

• the equipment (trading, restaurant, technological, etc.)

• the goods, production

• technics

• furniture

insurance protection from:

• a fire, a lightning stroke, gas explosion;

• falling of piloted, flying objects or their fragments;

• acts of nature (a landslip, a storm, flooding, a hailstones, a downpour);

• arrival of vehicles;

• damages by water;

• thefts, robbery, a robbery;

• fight of glasses, mirrors of show-windows;

• earthquakes

The factors influencing cost of insurance:

• a site of object of insurance

• the chosen package of risks

• technical and design features of object of insurance

• service conditions and storages of object of insurance

• presence and a condition of fire-prevention, security, technical systems 

Transport insurance

Our products

• ГПО automobile owners

• Programma Avto Kasko

• Programma Aero Kasko

• the Program Water Kasko

• Voluntary insurance of a railway transportation 

ГПО automobile owners

In Kazakhstan the given kind of insurance is carried out on the basis of Law РК 446 II from July, 1st 2003 «About obligatory insurance of civil-law responsibility of owners of vehicles»

According to the law, obligatory insurance civil-law responsibility of owners is subject:

- Automobile, lorries, buses, minibuses, motor-transport and trailers to them, trams and trolley buses;

- Temporarily driven (imported) on Republic Kazakhstan territory;

- The HARDWARE set forth above delivered under the own steam from the organizations-manufacturers, repair and trading organizations.

The size of an insurance premium depends from:

- HARDWARE places of registration;

- HARDWARE type;

- Age and the experience of driving of the client;

- Operation term;

- Presence or absence of insured events (bonus малус). 
 

Voluntary insurance of motor transport

Why the contract of voluntary insurance of motor transport is necessary to you?

The joint-stock company "recreation center БТА of Bank« БТА Insurance »offers you the advanced decisions in the field of insurance of motor transport of legal bodies.

On insurance are accepted:

All types of vehicles (cargo and cars, buses, motorcycles, the trailers special and the road-building technics) of domestic and foreign manufacture.

It is possible to insure motor transport from risk "Damage" and risk "Loss" as a result of following events:

• road and transport incident;

• a fire, explosion, the spontaneous phenomena (except hailstones);

• illegal actions of the third parties (an arson, car damage);

• stealing or car theft.

The insurance sum

The insurance sum is defined by the insurer or the independent expert as market cost of the insured HARDWARE of the same mark, model, year of release at the established prices in Republic Kazakhstan at the moment of the conclusion of the contract of insurance. Also motor transport of legal bodies can be insured at balance cost of motor transport at the moment of the conclusion of the contract of insurance.

Insurance payment

The insurance company will carry out insurance payment at a rate of actually put damage to motor transport minus the sum of the franchize specified in the contract of insurance. 

• Voluntary insurance of a railway transportation

• Insurance is carried out concerning being in the property, rent, leasing of means of a railway transportation.

• On insurance are accepted not self-propelled hook-on vehicle, namely: cars, trailers, containers, tanks and other means (not self-propelled) intended for transportation on tracks of passengers, luggage, cargoes, грузобагажа and items of mail.

• damage or  destruction of means of the railway transportation which has come out becomes covered by the insurance Contract:

• - falling on object of insurance of piloted flying objects and-or their fragments;

• - a fire or self-ignition (except for a damage caused as a result of short circuit of elements of an electric equipment);

• - transport incident which is understood as the event which has arisen in the course of movement of a railway transportation and with its participation, caused loss and-or damage of the insured railway transportation;

• - plunder or railway transportation stealing;

• - act of nature, namely eruption of a volcano or action of underground fire, a landslip, a mountain collapse, a storm, a whirlwind, hurricane, flooding, a hailstones or a downpour;

• - illegal actions of the third parties (except for stealing or plunder).

• In addition you can insure a railway transportation from risks of damage, loss and-or destruction, происшедших as a result:

• - runnings in of a railway transportation after repair;

• - educational trips;

• - tests of new designs, and also carrying out of other trial special permission trial, demonstration trips. 
 

Insurance of air transport

On insurance is accepted:

• aircrafts (civil, state and experimental aircraft), having the certificate on the state registration of the aircraft, the certificate (certificate) of the flight validity of the aircraft or others, replacing them, documents;

• the separate units of the aircrafts established onboard the aircraft and having made papers properly (the passport, the data card etc.) passenger and transport planes.

Insurance risks, insured event

The client can insure the aircraft from  destruction, losses without a message, losses or aircraft damages.

Insurance is made both on separately chosen risks, and on all risks.

Insured events:

- Aviation incident, incident;

- Chassis breakage;

- Salon depressurization;

- Hit at flight on engines or a propeller of birds;

- Steering refusal in flight.

- A fire on the aircraft, earthquake, a storm, hurricane, a lightning stroke;

- Inadvertent (except for abduction) the actions of the third parties which have entailed

Loss, destruction or damage of objects of insurance and taking place in insurance validity;

- Abductions (not stealing) or losses of object of insurance.

The insurance sum

The size of the insurance sum is defined by the Client proceeding from insurance cost of the aircraft - its real price at the moment of the conclusion of the Contract of insurance.

The insurance premium depends on such factors, as:

• a kind and the aircraft characteristic;

• the insurance period;

• the risks of insurance chosen at will of the client. 

Sailing charter insurance

On insurance the sailing charter with its cars and the equipment, and also its freight is accepted.

Insurance risk, insured event

The size of insurance payment is established on the basis of one of the below-mentioned conditions including following insured events:

- «With responsibility for  destruction and damages»

- «With responsibility for damages»

- «With responsibility only for full  destruction of a sailing charter, including expenses on rescuing»

- «With responsibility only for full  destruction of a sailing charter»

The insurance premium depends on such factors, as:

• the list of the chosen insurance risks;

• the characteristic of a water vessel (year of release, displacement etc.);

• insurance territory.