JSC IC "Jusan Garant" is one of the dynamically developing insurance companies on the Kazakhstan market, offering a wide range of services for car owners. Since its founding in 2013 the company has managed to establish itself as a reliable partner for those who value transparent conditions, fast payments and a modern approach to service. However, like any insurer, Jusan Garant has its own characteristics that are important to consider before taking out a policy.

In this article we will analyze in detail terms and conditions of CASCO and OSAGO insurance in "Jusan Garant", let's analyze tariff plans, the procedure for registration and compensation of damages, and also consider real customer reviews - both positive and critical. We will pay special attention hidden fees and restrictions, which often become the cause of disputes between the insurer and car owners. If you are planning to insure a car or are already a client of the company, this information will help you avoid common mistakes and get the most out of your policy.

1. Who is JSC IC “Jusan Garant” and why do car owners choose it?

JSC IC "Jusan Garant" is a subsidiary Jusan Bank, one of the largest financial institutions in Kazakhstan. The company specializes in property, transport and liability insurance, but its main focus is on auto insurance. According to 2026, “Jusan Garant” is one of the TOP 5 insurers in terms of CASCO premiums in the country.

Among the key advantages that attract customers:

  • 🔹 Digitalization of processes: online policy registration in 10 minutes, mobile application with the function of calling an emergency commissioner.
  • 🔹 Flexible tariffs: the ability to choose a deductible, coverage and additional options (for example, insurance against theft or an accident with an unidentified culprit).
  • 🔹 Affiliate network: cooperation with more than 200 car services throughout Kazakhstan, including official dealerships.
  • 🔹 Bonuses for accident-free driving: system of discounts for regular customers (up to 15% when renewing the policy).

However, not everything is so smooth. For example, some customers complain about delay in payments in controversial cases (for example, if an accident occurred in a parking lot without video recording) or refusal of insurance compensation due to formal reasons - for example, if the policy does not indicate an additional driver who was driving at the time of the accident.

📊 How do you usually get insurance?
Online via website/app
At the office of the insurance company
Through a broker
Through the bank when buying a car

2. Conditions of CASCO insurance at Jusan Garant: what does the policy cover?

The CASCO policy from Jusan Garant includes base coat and a row additional options, which can be connected for an additional fee. The basic version usually covers:

  • 🚗 Damage to the car as a result of an accident (including collision, rollover, hitting an obstacle).
  • 🔥 Fire, explosion, lightning strike.
  • 🌊 Natural disasters (flood, hail, hurricane).
  • 🚨 Car theft or theft (if the option is enabled).

However, there are nuances that are often overlooked:

Type of damage Covered? Conditions/restrictions
Scratches and chips ✅ Yes Only if they appeared as a result of an accident. Mechanical damage (for example, from branches) - no.
Damage to glass ✅ Yes Only in case of accidents or natural disasters. Cracks from stones cannot be covered without additional coverage. options.
Damage from animals ❌ No If an animal damages a car in a parking lot (for example, a bear in mountainous areas), this is not an insured event.
Accident with an unidentified culprit ✅ Yes Confirmation from the police is required. The franchise may increase.

Important: the policy always states franchise - the amount that the client pays independently upon the occurrence of an insured event. In Jusan Garant it can vary from 0% (full coverage) up to 10% from the amount of damage. The higher the deductible, the cheaper the policy, but the risk of additional expenses in case of an accident increases.

What is a franchise and how does it work?

The deductible is the part of the damage that the policyholder takes upon himself. For example, with a deductible of 5% and damage of 500,000 tenge, you will pay 25,000 tenge, and the rest will be covered by insurance. At Jusan Garant, the franchise can be fixed (for example, 50,000 tenge) or percentage.

3. Tariffs and cost of the policy: how much does CASCO cost in 2026?

The cost of a CASCO policy at Jusan Garant depends on several factors:

  • 📌 Car make and model (for example, insurance for Toyota Camry will be cheaper than Mercedes-Benz S-Class).
  • 📌 Year of manufacture (cars older than 10 years are often insured at higher rates).
  • 📌 Driver's experience and age (drivers under 25 years old or with less than 3 years of experience pay 20–30% more).
  • 📌 Region of operation (in Almaty and Nur-Sultan tariffs are higher due to the high accident rate).
  • 📌 Availability of additional options (theft insurance, roadside assistance, etc.).

Approximate prices for CASCO insurance at Jusan Garant (excluding discounts):

Car Policy cost (per year) Franchise
Hyundai Solaris (2020) 180,000 – 250,000 tenge 5% or 30,000 tenge
Toyota RAV4 (2018) 300,000 – 400,000 tenge 7% or 50,000 tenge
Lexus ES 350 (2022) 600,000 – 800,000 tenge 10% or 100,000 tenge

Discounts are provided:

  • 🎁 For accident-free driving (up to 15% upon renewal).
  • 🎁 When applying for a policy online (5–10%).
  • 🎁 For clients Jusan Bank (additional bonuses).
💡

Before signing up for a policy, check whether the “Cashback for CASCO” promotion is valid - sometimes “Jusan Garant” returns up to 5% of the cost of insurance to the client’s card.

4. How to apply for a CASCO policy at Jusan Garant: step-by-step instructions

You can get insurance four ways:

  1. Online on the website jusan.kz.
  2. Via mobile application Jusan Garant (available for iOS and Android).
  3. At the company office (addresses can be found on the website).
  4. Through partner banks (for example, when buying a car on credit).

Let's look at the online registration process:

Register on the website or in the application|Enter car data (VIN, make, model, year)|Select a tariff plan and options|Specify a list of drivers (or select “no restrictions”)|Pay for the policy with a bank card|Receive an electronic policy by email-->

Important points:

  • ⚠️ If you indicate limited list of drivers, make sure that everyone who will be driving the car is included in the policy. Otherwise, in case of an accident, the insurance will not work.
  • ⚠️ When applying through a bank (for example, with a car loan), they often impose additional options, which can be disabled. Read the contract carefully!

After payment, the policy will be sent by email within 5–15 minutes. It can be printed or saved electronically - both options have equal legal force.

5. Damage compensation procedure: how to get money after an accident?

If an insured event occurs, the action algorithm is as follows:

  1. Report to Jusan Garant by phone +7 (727) 317 55 55 or through the application. This needs to be done within 3 working days after an accident.
  2. Record the damage: take a photo of the car, the scene of the accident, the documents of the second participant (if any).
  3. Submit your application through your personal account or in the office. You need to attach to it:
    • 📄 Police report (if there is an accident with injuries or controversial issues).
    • 📄 Certificate of accident (form No. 12).
    • 📄 Photo/video of damage.
  • Wait for the decision. The insurer must respond within 10 working days.
  • Receive payment or repair. Depending on the terms of the policy, you will either be transferred money or sent to a partner service for repairs.

    • Common reasons refusal to pay:

    • 🚫 Violation of traffic rules by the policyholder (for example, drunk driving).
    • 🚫 Late notification of an accident (more than 3 days).
    • 🚫 Damage not specified in the policy (for example, if you only insured an accident, and the car was damaged by hail).
    💡

    If the insurance company delays payment for more than 10 days, you have the right to file a complaint with Agency for Regulation and Development of the Financial Market (ARFRDF).

    6. Customer reviews: pros and cons of “Jusan Garant”

    Analysis of reviews on sites (Google Maps, 2GIS, Review) shows that opinions about “Jusan Garant” are very polar. Let's look at the key trends:

    Pros (according to clients):

    • ✅ Quick online policy registration (many note that the process takes less than 15 minutes).
    • ✅ Friendly service in offices (especially in Almaty and Nur-Sultan).
    • ✅ Possibility of choosing a repair shop (some clients praise the quality of repairs in partner services).

    Cons (common complaints):

    • ❌ Delays in payments (on average 2-3 weeks longer than the stated period).
    • ❌ Refusals of insurance compensation for formal reasons (for example, if an additional driver is not specified in the policy).
    • ❌ Difficulty dialing support (long wait on line).
    ⚠️ Attention: If you are faced with a refusal to pay, request written justification from the insurance company. Often clients agree to verbal explanations, although the company is required by law to provide a formal response.

    Example of a real review (June 2026):

    “I have issued a CASCO insurance for Kia Sportage last year. Six months later I got into a minor accident (I was rear-ended at a traffic light). The insurance company initially promised payment, but then refused, citing the fact that the second participant did not have compulsory motor liability insurance. I had to go to court - in the end I won the case, but lost 3 months.”

    — Almaty, Almaty

    7. Alternatives to Jusan Garant: comparison with other insurance companies

    If you are unsure about choosing Jusan Garant, consider the alternatives. Below is a comparison of key parameters:

    Criterion Jusan Garant Eurasia Nomad Insurance Halyk-KazakhInsurance
    CASCO cost (average) 250,000 – 500,000 tenge 300,000 – 600,000 tenge 200,000 – 450,000 tenge 280,000 – 550,000 tenge
    Franchise From 0% to 10% From 3% to 15% From 0% to 8% From 5% to 12%
    Payout speed 10–20 days 7–14 days 5–10 days 10–15 days
    Online registration ✅ Yes ✅ Yes ✅ Yes ✅ Yes
    Add. options (theft, roadside assistance) ✅ Yes ✅ Yes ❌ No ✅ Yes

    If it is critical for you payout speed, pay attention to Nomad Insurance - They have one of the fastest claims settlement processes. If important tariff flexibility, then “Jusan Garant” and Eurasia offer more options.

    FAQ: Frequently asked questions about insurance at Jusan Garant

    Is it possible to get CASCO insurance for a used car older than 10 years?

    Yes, but the rate will be higher and some options (such as theft insurance) may not be available. You will also need to provide technical condition report car.

    What to do if the insurance company delays payment?

    First, send a formal claim to Jusan Garant (a sample can be downloaded on the website). If within 10 days no answer, please contact ARRFR or court.

    Is it possible to change the list of drivers in the policy after registration?

    Yes, but there is a fee for this (usually 5,000–10,000 tenge). To add a driver, you must provide a copy of his driver's license.

    Does the policy cover hail damage?

    Only if the “Natural Disasters” option is enabled. This is not included in the basic CASCO policy.

    Is it possible to terminate the CASCO agreement early?

    Yes, but the insurer will retain a portion of the premium in proportion to the duration of the policy. For example, if you terminate the contract after 6 months out of 12, you will receive ~50% of the cost back.