Compulsory civil liability insurance of tour operators and travel agents
The main objectives of compulsory civil liability insurance of tour operators and travel agents are:
Sum insured
The sum insured under a compulsory liability insurance contract of a tour operator and travel agent is determined by its terms and is, for:
The insurance premium under a compulsory liability insurance contract of a tour operator and travel agent is set by agreement of the parties and is, for:
The amount of the insurance payment is determined by the insurer on the basis of the tourist's claim or a court decision that has entered into legal force on compensation of the harm caused.
The deductible under the contract is five times the monthly calculation index (MCI) per insured event and per beneficiary. Where the amount of harm caused exceeds the established deductible, the insurance payment is made in full. The insurance payment for harm caused to the life and health of a beneficiary is made without applying the deductible.
Law of the Republic of Kazakhstan No. 513-II of 31 December 2003 "On Compulsory Civil Liability Insurance of Tour Operators and Travel Agents"
Update for 2026: compulsory liability insurance of tour operators and travel agents is governed by the current legislation of the Republic of Kazakhstan. Before arranging cover, check the current requirements for participants, the sum insured, the term of the contract, the documents and the procedure for settling tourists' claims.
Compulsory civil liability insurance of tour operators and travel agents
Main purpose of the insuranceThe main objectives of compulsory civil liability insurance of tour operators and travel agents are:
- to protect the property and (or) other interests of the tourist to the extent and in the manner established by the Law;
- to ensure that the tour operator and the travel agent carry on their activities only under a compulsory civil liability insurance contract of the tour operator and travel agent;
- to give the tour operator and the travel agent an economic interest in improving the safety of the provision of tourist services.
Sum insured
The sum insured under a compulsory liability insurance contract of a tour operator and travel agent is determined by its terms and is, for:
- a tour operator, not less than four thousand and not more than ten thousand monthly calculation indices at the time the contract is concluded;
- a travel agent, not less than two thousand and not more than five thousand monthly calculation indices at the time the contract is concluded.
The insurance premium under a compulsory liability insurance contract of a tour operator and travel agent is set by agreement of the parties and is, for:
- a tour operator, not less than 1 percent and not more than 2 percent of the sum insured set by the contract;
- a travel agent, not less than 1.5 percent and not more than 2 percent of the sum insured set by the contract.
The amount of the insurance payment is determined by the insurer on the basis of the tourist's claim or a court decision that has entered into legal force on compensation of the harm caused.
The deductible under the contract is five times the monthly calculation index (MCI) per insured event and per beneficiary. Where the amount of harm caused exceeds the established deductible, the insurance payment is made in full. The insurance payment for harm caused to the life and health of a beneficiary is made without applying the deductible.
Law of the Republic of Kazakhstan No. 513-II of 31 December 2003 "On Compulsory Civil Liability Insurance of Tour Operators and Travel Agents"