Mandatory Insurance of Civil Liability of Tour Operator and Travel Agent

Mandatory Insurance of Civil Liability of Tour Operators
and Travel Agents

Mandatory insurance of civil liability is required by every travel company and tour operator who are engaged in tourist activities, sending tourists abroad and within Kazakhstan. Tour operator and travel agent liability insurance provides protection of property or other interests of tourists in the event of failure by a travel company to fulfill its obligations to them.

Insurance is obtained on the basis of the Law of the Republic of Kazakhstan of December 31, 2003 № 513-II “On mandatory insurance of civil liability of tour operators and travel agents”.

Who is indemnity paid to?

The beneficiary is the traveler who experienced damage caused by tour operator or travel agent in connection with the provision of tourist services, and in case of death of the traveler – his/her heirs.

In which cases is insurance indemnity paid?

An insured event is a fact of occurrence of civil liability of tour operator or travel agent to compensate for damage caused to property or other interests of a traveler in the course if provision of tourist services. Insured event is deemed to have occurred from the time of entry into force of a court decision for damages caused by travel agent or tour operator, or their recognition of the tourist’s claims for damages and insurer’s consent to the recognition of claims by tour operator or travel agent.

Important! Non-pecuniary damage, loss of profits, payment of penalty are not refundable.

Cost of insurance and amount of insurance indemnity (payouts):

  Amount of insurance indemnity (payout) Insurance Cost
Tour Operator at least 4 000 MCI
and not more than 10 000 MCI
2% of the sum insured
Travel Agent at least 2 000 MCI
and not more than 5 000 MCI
2% of the sum insured

Insurance indemnity is determined by the insurer based on the amount of tourist’s claim or an effective court decision on compensation for the damage caused, and shall not exceed the sum insured provided for in the insurance contract.

A straight deductible is applied in payments – a five-fold monthly calculation index per event and per each tourist. Insurance indemnity for damage caused to traveler’s life and health is paid out without a deductible applied.

How to make an order?

To do that, contact us by telephone: +7 (727) 258-18-00 ext. 1063. Email address for messages: corpsales@nsk.kz. OIC corporate insurance officers will contact you.

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