Voluntary insurance of civil liability is necessary in cases where the insurance amounts in compulsory insurances are much less than the potential damage or when the insurance is not required by law, but the risk to cause unintended harm to life, health or property of a third party still exists.

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Voluntary insurance of the civil liability of vehicle owners
For example, the maximum payout under the Compulsory Civil Liability Insurance of Vehicle Owners is 600 MCI for one vehicle, i.e. just over 1 million KZT. But if the damaged property of third parties would be a car Bently or an expensive special equipment, so the difference on compulsory insurance you will have to reimburse from your own funds.
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