Compulsory civil liability insurance of a carrier towards passengers is made in accordance with the Law of the Republic of Kazakhstan “Compulsory civil liability insurance of a carrier towards passengers”. Civil liability of railroad, sea, inland water, air, auto and urban electric transport carriers being residents of the Republic of Kazakhstan to the passengers and their property. The carriers without the contract of compulsory carrier’s liability insurance are not allowed to transport passengers.
Insurance period — the insurance contract is executed for 12 months and expires upon occurrence of the first insured event.
Insured events
An insured event on Compulsory civil liability insurance of a carrier towards passengers is the occurrence of the carrier’s civil liability to indemnify harm to life, health and/or property of the passengers at transportation.
Insurance premium
In accordance with the Law of the Republic of Kazakhstan “Compulsory civil liability insurance of a carrier towards passengers” the value of the insurance premium is:
| No | Name of the transport facility | Annual insurance premium in MCI |
| 1 | Auto | |
| 1) passenger cars, buses, mini-vans: | ||
| Up to 4 passenger places inclusive | 3 | |
| over 4 to 7 passenger places inclusive | 5 | |
| over 7 to 16 passenger places inclusive | 11,5 | |
| over 16 to 30 passenger places inclusive | 16 | |
| свыше 30 passenger places | 23 | |
| 2) trams, trolley-buses | 7 | |
| 2 | Air | |
| 1) airplanes: | ||
| Up to 50 passenger places inclusive | 400 | |
| over 50 and up to 120 passenger places | 990 | |
| over 120 and up to 200 passenger places | 2180 | |
| over 200 passenger places | 3820 | |
| 2) helicopters | 135 | |
| 3 | Sea | |
| up to 50 passenger places inclusive | 50 | |
| over 50 and up to 100 passenger places | 100 | |
| over 100 and up to 150 passenger places | 150 | |
| over 150 and up to 300 passenger places | 300 | |
| over 300 passenger places | 530 | |
| 4 | Inland water | |
| up to 50 passenger places inclusive | 17,5 | |
| over 50 and up to 100 passenger places | 35 | |
| over 100 and up to 150 passenger places | 50 | |
| over 150 and up to 300 passenger places | 90 | |
| over 300 passenger places | 160 | |
Value of insurance premium for rail carrier liability insurance is 0.2% of the income from passengers and their property transportation services in the Republic of Kazakhstan during the term of the insurance contract and paid by monthly installments of income received (to be received) for a month.
Besides, this type of insurance envisages Franchise. Franchise under the insurance contract is 5 MICs per a single insured event and each victim. In cases where the value of damage incurred exceeds the franchise value, the insurance payment shall be made in full.
Insurance payment for damage incurred to health and life or the victim is made without franchise.
Insurance payments:
Transportation by sea and air:
- for harm caused to life and health of each victim which entails:
death — 2 000 MCIs;
disability:
I degree — 1 600 MCIs;
II degree — 1 200 MCIs;
III degree — 800 MCIs; - dismemberment, trauma or other damage to health without assessment of disability – for the amount of actual expenses for outpatient and (or) inpatient treatment, but no more than 200 MCIs. Besides, the amount of insurance indemnity per each day of inpatient treatment shall make no less than 1.5 monthly calculation indices;
- for harm caused to property of each victim – for the amount of harm caused but no more than 250 MCIs;
Transportation by rail, inland water and automobile transport:
- for harm caused to life and health of each victim which entails:
death — 1000 MCIs;
disability:
I degree — 800 MCIs;
II degree — 600 MCIs;
III degree — 400 MCIs; - dismemberment, trauma or other damage to health without assessment of disability – for the amount of actual expenses for outpatient and (or) inpatient treatment, but no more than 200 MCIs. Besides, the amount of insurance indemnity per each day of inpatient treatment shall make no less than 1.5 monthly calculation indices;
- for harm caused to property of each victim – for the amount of harm caused but no more than 250 MCIs.
Insurance payment will be made by the Insurer within 7 business days since delivery of all documents.
