Insurance that works for motorists
Freedom Insurance: digital claim payments and a top-3 market position by assets
Freedom Finance Insurance Company JSC (Freedom Insurance) is a general insurance company that is part of the Freedom Holding Corp. ecosystem. Its main focus is convenience for motorists: electronic policies on the website, Kazakhstan's first insurance subscription and a digital road-accident settlement service under which a claim payment can reach your card within a few days. At the same time, the company is developing a large corporate line, from property and construction and erection risks to oil operations.
History and development
The company was registered on 9 June 2009 under a different name. On 29 October 2018 it was re-registered with the justice authorities and became Freedom Finance Insurance Company JSC. Today the company is moving to the single Freedom brand together with other entities of the group. Its current licence is No. 2.1.30 dated 13 October 2025.
In recent years the insurer has noticeably strengthened its capital: according to the company, its authorised capital was increased by 5 billion tenge, and on another occasion its capital was reinforced by 3 billion tenge. According to its official website, Freedom Insurance is among the top 3 companies on Kazakhstan's insurance market by assets.
| Full name | Freedom Finance Insurance Company JSC |
|---|---|
| Group | Freedom Holding Corp. |
| Registration | 9 June 2009; re-registered under its current name on 29 October 2018 |
| Licence | No. 2.1.30 dated 13.10.2025 |
| Moody's | Insurance financial strength rating "Ba1", outlook "Stable" |
| S&P Global Ratings | "kzA-" on the national scale (upgraded from "kzBBB+") |
| Customers | 462 thousand customers, 600+ specialists |
| 2024 results | 620 thousand policies, 8.4 billion tenge in claim payments |
| Guarantee scheme | Participant in the insurance payment guarantee system since 01.11.2021 |
Ratings and reinsurance
The international agency Moody's has assigned the company an insurance financial strength rating of "Ba1" with a stable outlook. S&P Global Ratings has successively upgraded Freedom Insurance's national rating: first from "kzBB+" to "kzBBB-", and then to the current level of "kzA-". The company's property and cargo risks are protected by a comprehensive obligatory reinsurance treaty placed with Hannover Re, rated "AA-" by S&P. The treaty covers property and construction and erection insurance on an "all risks" basis, business interruption, machinery breakdown, fire risks, as well as terrorism and civil commotion risks.
- member of the Council of Representatives of the Insurance Ombudsman;
- member of the Association of Financiers of Kazakhstan;
- since 20 February 2026, member of the Kazakhstan Petroleum Council "Petrocouncil" association;
- the first insurance company in Kazakhstan with the status of International Professional Partner of the Chartered Insurance Institute (CII);
- winner of the Global Banking & Finance Awards 2021 in three categories: best online insurance company, best general insurance company for innovation and best motor insurance company in Kazakhstan.
Products for individuals
OGPO
Compulsory motor third-party liability insurance (OGPO), with an electronic policy issued on the website.
OGPO+
A voluntary add-on to OGPO that compensates for the difference arising from vehicle depreciation.
CASCO
Vehicle cover from scratches to total loss; available without an inspection or calling the police, with monthly payment.
Freedom Comfort
An insurance subscription for flats: interior finishes, property and liability to neighbours.
Home Protect
Insurance of a flat against the consequences of an earthquake.
Travel and agriculture
Medical insurance for tourists abroad and agricultural insurance against crop loss.
Corporate insurance
For legal entities, the company offers insurance of property, financial losses from business interruption, construction and erection risks and cargo. In the motor line, it offers insurance of road, aviation, marine and railway vehicles, as well as their owners' liability. In the liability block, it offers voluntary motor third-party liability insurance (DGPO VTS), professional liability, carrier and tenant liability, environmental insurance, compulsory insurance for owners of hazardous facilities and insurance of obligations to remediate the consequences of subsoil use. Specialty lines, including insurance of oil operations, are provided separately.
DTP.kz: road accidents without the traffic police
The company's flagship service is DTP.kz (the European accident report) on the website and in the mobile app. Those involved in an accident record the incident themselves and submit a claim right at the scene. Documents are signed online using the Digital ID digital identification system, and the status of the claim is tracked in the personal account. According to the company, receiving a payment used to take up to 100 days; now it takes from a few hours to five days, provided all the necessary documents are available. A policy check, a depreciation calculator and a 24-hour call centre are also available.
Important: the five-day payment period applies when all the documents required to make a decision are available. The terms of CASCO and subscriptions depend on the chosen plan.
How to receive a claim payment
Record the accident
If the conditions allow, record the incident via DTP.kz without calling the traffic police; in other cases, follow the standard procedure.
Submit a claim online
Fill in the claim form on the website or in the app and sign the documents via Digital ID.
Track the status
Your personal account shows which documents have been accepted and at what stage the review is.
Receive the money on your card
Once a decision has been made, the payment is transferred to your bank card.
Freedom Insurance through Dynasty
Dynasty will help you choose and take out a Freedom Insurance policy: calculate the cost in the calculator, compare the terms with other insurers and choose the best option. A Dynasty manager will advise you on the programmes and help you when an insured event occurs.