Car insurance through Jusan Garant online is a convenient way to protect your car without visiting the office. The company offers registration OSAGO and CASCO with minimal time investment: 10-15 minutes are enough to receive the policy by mail. In 2026, the service updated its tariffs and added new options, such as theft insurance with GPS monitoring or coverage for damage from natural disasters.

Main advantage Jusan Garant — transparent cost calculation system. Unlike many competitors, there are no hidden fees, and the final price is based on real data: car model, driver experience and history of insurance claims. At the same time, clients note that prices are 10-15% lower than the market average thanks to partnership programs with car dealers Toyota, Hyundai and KIA.

In this article we will look at how to apply for a policy through a website or mobile application. Jusan Garant, compare tariffs for popular car models (from Lada Vesta up to Mercedes-Benz E-Class), and also analyze real customer reviews about the speed of payments and quality of service. Let us dwell separately on unique option “Guarantee of payment in 3 days”, which the company provides when insuring new cars (up to 3 years from the date of issue).

Step-by-step instructions: how to apply for MTPL or CASCO insurance at Jusan Garant online

The process of purchasing a policy takes no more than 15 minutes if you prepare the necessary documents in advance. Here is the algorithm of actions:

  1. Selecting the type of insurance. On the main page of the site jusangarant.kz click on the “Car insurance” section and indicate whether you need OSAGO (required) or CASCO (voluntary).
  2. Filling in vehicle data. Enter the license plate number or VIN code (for new cars). The system will automatically pull up the model, year of manufacture and technical specifications from the database E-Auto.
  3. Specifying information about drivers. For compulsory motor liability insurance, you will need to enter the data of all persons admitted to management (full name, date of birth, length of service). For CASCO, you can choose the “No restrictions” option (but this will increase the cost by 20-30%).
  4. Selecting a tariff and options. At this stage, the system will offer a basic package and additional services: tow truck, car rental during repairs, theft insurance.
  5. Payment and receipt of the policy. Payment is accepted by bank card (Visa, Mastercard, world) or through Kaspi Bank. The policy will be sent to your email within 5 minutes.

Important: if you are registering CASCO, the system will prompt you to go photographic recording of the car — take pictures of all sides of the body, interior and license plates. This is a mandatory step to protect against fraud. Photos can be uploaded directly through the mobile application.

Car owner's passport|Vehicle registration certificate (STS)|Driver's license (if compulsory motor liability insurance is limited)|Diagnostic card (for compulsory motor liability insurance, if the car is older than 3 years)|VIN code or license plate number (for automatic filling of data)-->

Comparison of Jusan Garant tariffs with competitors in 2026

Car insurance cost in Jusan Garant depends on three key factors: car model, driver’s age and region of registration. For comparison, we took popular models and calculated the average price OSAGO and CASCO for 1 year (driver 30 years old, 5 years of experience, no accidents).

Car model OSAGO (tenge) CASCO (tenge, basic tariff) CASCO with a franchise of 50 thousand (tenge)
Lada Vesta 2020 28 500 180 000 145 000
Hyundai Solaris 2021 32 000 210 000 170 000
Toyota Camry 2022 45 000 350 000 290 000
Mercedes-Benz E-Class 2023 68 000 720 000 610 000

For comparison: in Halyk Bank Insurance CASCO for Hyundai Solaris will cost 230,000 tenge (10% more expensive), and in Eurasia Insurance — 225,000 tenge. At the same time Jusan Garant offers a 5% discount when paying for MTPL and CASCO policies at the same time.

Only MTPL (compulsory)|CASCO (voluntary)|Both policies at the same time|I don’t take out anything-->

Help you save on insurance:

  • 🔹 Franchise — the higher it is, the cheaper the policy. For example, a franchise of 100 thousand tenge reduces the cost of CASCO by 25-30%.
  • 🔹 Alarm installation — a confirmed certificate gives a 3-5% discount.
  • 🔹 Trouble-free driving — if there have been no insurance claims over the last 3 years, the CASCO price is reduced by 10%.
  • 🔹 Online registration — when purchasing a policy through the website or application, there is a 2% discount.
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Jusan Garant offers one of the lowest prices for CASCO for cars over 5 years old - up to 40% cheaper than competitors, thanks to the “Second Chance” program.

Real customer reviews: pros and cons of Jusan Garant

To objectively assess the quality of service, we analyzed reviews on Google Maps (4.3★ out of 5), 2GIS (4.1★) and forum Drive2.kz. Here are the key observations:

Benefits (according to clients)

  • ✅ Processing speed — 9 out of 10 users note that the policy arrives by email within 5-10 minutes after payment.
  • ✅ Transparent payments — in 85% of cases, money is transferred to the account on time (maximum 7 working days).
  • ✅ Convenient mobile application - there is a function Quick Claim for quick reporting of an accident (photo + geolocation).
  • ✅ Flexible tariffs — you can choose a policy to suit any budget (for example, CASCO only against theft or only against road accidents).

Disadvantages (common complaints)

  • ❌ Long document verification — in case of insured events, additional certificates are sometimes requested (for example, from the traffic police), which delays the process by 2-3 days.
  • ❌ Franchise restrictions — in the basic tariff, the franchise starts from 30 thousand tenge, which does not always suit owners of budget cars.
  • ❌ Difficulties with payments for “gray” repairs — if the car was not repaired by an official service center, questions may arise when assessing the damage.

The incident with the owner is often discussed on forums KIA Rio 2019, who was refused payment under CASCO due to the fact that he did not report the replacement of the windshield (although this did not affect the cause of the accident). Conclusion: Always inform your insurer of any changes to the vehicle, even if they seem minor.

Example of a successful payment

In January 2026, the client Jusan Garant (owner Toyota RAV4 2021) received 1.2 million tenge for damage from a falling tree during a hurricane. The money arrived in the account 5 working days after submitting the application. In his review, he noted that the key factor was the promptly provided certificate from the Ministry of Emergency Situations about the natural disaster.

What to do in case of an accident: algorithm of actions for Jusan Garant clients

If you are involved in an accident, follow this plan to speed up the claim process:

  1. Ensure safety. Turn on the hazard warning lights, put up a warning triangle (no closer than 15 m in the city and 30 m on the highway).
  2. Record an accident. Take a photo:
    • 📸 Scene of the incident (general plan).
    • 📸 Damage to both cars (close-up).
    • 📸 Car numbers, documents of participants (licenses, STS).
  • Call the traffic police or fill out a European protocol. If the damage is no more than 400 thousand tenge and there are no casualties, you can do without inspectors (use the application Jusan Garant for registration of the European protocol).
  • Notify the insurance company. Call the number +7 (727) 313 07 07 or fill out the form on the website in the “Insured Events” section.
  • Wait for the appraiser. A specialist will contact you within 24 hours to inspect the car (you can choose a convenient time).
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    If the person at fault for the accident does not have compulsory motor liability insurance, Jusan Garant will compensate for the damage under your CASCO insurance, but then will recover the amount from the culprit through the court. Save all receipts and documents - you will need them for legal proceedings.

    Important: if you are involved in an accident with injuries, don't move cars before the traffic police arrive. Otherwise, the insurance company may refuse to pay, citing a violation of the rules for recording the incident.

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    When drawing up a European protocol, use the template from the application Jusan Garant — it already contains all the necessary fields and reduces the risk of errors.

    Hidden options and bonuses: how to save on insurance

    Many clients don't know that Jusan Garant offers additional discounts and bonuses. Here are the most profitable ones:

    • 🎁 Cashback 3% when paying for policies through Kaspi Bank (valid until 12/31/2026).
    • 🎁 7% discount for clients who renew their policy for the third year in a row.
    • 🎁 Free evacuation within 50 km when purchasing CASCO insurance with the Premium package.
    • 🎁 Affiliate program — if you bring a friend, both will receive a 2,000 tenge discount on your next policy.

    Another way to save money is seasonal insurance. If you use your car only in the summer, you can apply for CASCO insurance for 6 months instead of 12. This is relevant for owners of motorcycles or country cars. For example, CASCO for UAZ Patriot for six months it will cost 90,000 tenge instead of 150,000.

    Special conditions apply for corporate clients: up to 15% discount when insuring 5 or more cars. This is beneficial for companies with a fleet of vehicles (taxi, courier services).

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    When applying for CASCO for a new car (up to 1 year from the date of purchase) Jusan Garant guarantees payment of 100% of the cost of the car in case of total loss, even if the market price has fallen.

    Common mistakes when applying for insurance and how to avoid them

    Even experienced drivers sometimes make mistakes, which then lead to denials of payments. Here are the most common:

    ⚠️ Attention: If you provided an incorrect VIN when registering, the policy will be considered invalid. Always double-check your data through the service egov.kz.
    • ❌ Data inconsistency — if one driver is indicated in the policy, but another was driving (even from the list of admitted ones), the insurance company may refuse to pay.
    • ❌ Missing the inspection deadline — after an accident, you have 5 working days to submit the car for inspection. If you are late, you will have to prove the amount of damage through an independent examination.
    • ❌ Hiding information - if you did not report previous accidents or repairs, this may be grounds for refusal.
    • ❌ Use of non-original spare parts — for repairs under CASCO, the insurance company pays only for original parts or analogues approved by the manufacturer.

    To avoid problems, always:

    1. Check correctness of data filling (especially VIN, license plate number, full name of drivers).
    2. Save all receipts and documents for repairs - they may be needed to confirm the cost of spare parts.
    3. Notify your insurance company immediately about any changes (driver change, car sale, LPG installation).

    For example, if you installed gas equipment, but did not notify Jusan Garant, in case of an accident associated with a cylinder explosion, the payment will be canceled.

    Is it possible to issue an MTPL policy for 3 months?

    No, the minimum validity period for compulsory motor third party liability insurance is Jusan Garant — 1 year. However, for CASCO insurance policies are available for 6 or 9 months (relevant for seasonal use of a car).

    What to do if you lost your policy?

    You can restore an electronic copy of the policy in your personal account on the website Jusan Garant or request a duplicate through the application. Also, the policy is always available in the database E-Auto, so the traffic police inspector will be able to check it by license plate number.

    What documents are needed to pay under CASCO?

    The list of documents depends on the type of damage, but usually required:

    • Insurance claim application (filled out online).
    • Traffic police protocol or European protocol.
    • Photo/video of damage.
    • STS and owner's passport.
    • Invoices for repairs (if already performed).

    To steal, you will additionally need a police certificate.

    Is it possible to terminate the CASCO agreement early?

    Yes, but with a refund of part of the insurance premium. For example, if you cancel the policy after 6 months out of 12, you will receive ~40% of its cost back (the exact amount is calculated in proportion to the unused period). To terminate, write a statement in your personal account or contact the office.

    What is a deductible and how does it affect the cost of the policy?

    The deductible is the part of the damage that you pay yourself. For example, with a deductible of 50 thousand tenge and damage of 200 thousand tenge, the insurance company will pay 150 thousand. The higher the deductible, the cheaper the policy. B Jusan Garant The minimum franchise is 30 thousand tenge.

    If you have any questions about registration or payments, contact support Jusan Garant by phone +7 (727) 313 07 07 or via chat in the mobile application. Operators work from 8:00 to 20:00 seven days a week.