Article 829. Reimbursement of expenses aimed at reducing losses from an insured event of the Civil Code of the Republic of Kazakhstan
1. Upon the occurrence of an insured event provided for in the property insurance contract, the policyholder (insured) is obliged to take reasonable and affordable measures in the circumstances to prevent or reduce possible losses, including measures to save and preserve the insured property.
When taking such measures, the policyholder (insured) must follow the instructions of the insurer, if they are communicated to the policyholder (insured).
2. Expenses incurred by the policyholder (insured) in order to prevent or reduce losses shall be reimbursed by the insurer if such expenses were necessary or were incurred to comply with the instructions of the insurer, even if the appropriate measures were unsuccessful.
Such expenses are reimbursed in actual amounts, however, in order that the total amount of the insurance payment and compensation does not exceed the insured amount stipulated in the insurance contract, if the expenses arose as a result of the policyholder (insured) fulfilling the instructions of the insurer, they are reimbursed in full, regardless of the insured amount.
3. The insurer is exempt from making insurance payments in respect of those losses that arose due to the fact that the policyholder (insured) intentionally failed to take reasonable and accessible measures to reduce possible losses.
President
Republic of Kazakhstan
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