Mandatory Insurance of Civil Liability of Carriers

Mandatory Insurance of Carrier’s Civil Liability to Passengers

Businesses and individuals that are engaged in passenger transportation are required to insure their liability for all vehicles operated by them. This is to ensure protection of property interests of aggrieved passengers during their transportation. In Kazakhstan, this type of insurance is regulated by a separate law of 01.07.2003, № 444-II “On mandatory insurance of carrier’s civil liability to passengers”.

Who needs carrier’s civil liability insurance?

Mandatory insurance applies to civil liability of owners - individuals and legal entities of the Republic of Kazakhstan and foreign citizens and stateless persons.

What needs to be insured?

Civil liability of carriers is subject to insurance.
Insurance coverage applies to passenger transportation by the following modes of transport:

  • Railway
  • Maritime 
  • Inland water
  • Air
  • Motor
  • Electric urban

Insurance Indemnities

Insurer’s ceiling of liability per occurrence (the sum insured) is (in monthly calculation indexes):

For maritime and air transport services (in MCI)

  • for damage caused to life and health of each affected person, that resulted in:
    • death - 2 000;
    • establishment of disability:
    • Group I - 1 600;
    • Group II - 1 200;
    • Group III - 800;
  • dismemberment, personal injury or other impairment of health without disability - in the amount of the actual costs of outpatient and (or) in-patient treatment, but not more than 200. The amount of insurance indemnity for each day of hospital treatment must be at least 1,5 monthly calculation index;
  • for damage to property of each affected person - in the amount of damages caused, but not more than 250.

For railway, inland water and motor transport services

  • for damage caused to life and health of each affected person, that resulted in:
    • death - 1000;
    • establishment of disability:
    • Group I - 800;
    • Group II - 600;
    • Group III - 400;
  • dismemberment, personal injury or other impairment of health without disability - in the amount of the actual costs of outpatient and (or) in-patient treatment, but not more than 200. The amount of insurance indemnity for each day of hospital treatment must be at least 1,5 monthly calculation index;
  • for damage to property of each affected person - in the amount of damages caused, but not more than 250.

Deductible under mandatory carrier’s liability insurance contract is a five-fold monthly calculation index per occurrence and per each affected person. In cases where the amount of damages exceeds the amount of deductible, insurance indemnity is paid in full.

How to make an order?

Our specialists will prepare an individual insurance program that takes into account your budget, objectives and business specifics.

To do this, please contact us at: +7 (727) 258-18-00 ext. 1063 and mobile: + 7701 737 70 72 or leave us your contact details and describe the insurance your organization wants, and OIC Corporate Insurance officers will contact you. Email address for communications: corpsales@nsk.kz.

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