Insurance
& What to Do in Case of an Incident
Travel with greater peace of mind. Here you’ll find information about insurance, your responsibilities as a driver, and what to do if your vehicle is damaged or breaks down during your trip in Kyrgyzstan.
Please read this guide together with your rental agreement. Insurance coverage depends on the applicable policy, the insured risks, and compliance with the required procedures.
1. What Insurance Is Included?
Mandatory Third-Party Liability Insurance (OSAGO)
Mandatory third-party liability insurance (OSAGO) is included in the rental price, in accordance with the legislation of the Kyrgyz Republic.OSAGO covers third-party liability within the limits and conditions established by the applicable insurance policy and law. It should not be understood as comprehensive coverage for damage to the rented vehicle.
Optional Comprehensive Insurance (CASCO)
You can purchase optional CASCO insurance for an additional fee of $10 per day.CASCO may cover vehicle damage or loss resulting from insured events specified in the applicable insurance policy. Depending on the policy, these risks may include road traffic accidents, fire, natural disasters, unlawful acts by third parties, falling objects, or theft.The exact coverage, insured amounts, deductibles, exclusions, and claim requirements are determined by the applicable policy. Purchasing CASCO does not automatically mean that every type of damage is covered.Please confirm the applicable CASCO conditions with us when booking your vehicle.
We recommend purchasing separate travel medical insurance for your trip. Vehicle insurance does not replace personal medical or travel insurance.2. What Is Not Covered?
CASCO does not cover every type of damage. Under our rental agreement and the applicable insurance rules, you may be held responsible for losses in the following situations:
- Unauthorised drivers: the vehicle is driven by someone who has not been approved under the rental agreement.- Driving under the influence: the driver is under the influence of alcohol, drugs, toxic substances, or medication that impairs driving.- Failure to follow claim procedures: required notifications, documents, or other obligations are not fulfilled, which may result in a reduction or refusal of insurance benefits.- Mechanical or technical failures: breakdowns and technical faults are not covered by CASCO unless expressly included in the applicable policy.- Tyres and wheel rims: damage is not covered separately unless it is associated with another insured event covered by the policy.- Damage caused by improper use or prohibited driving: you remain responsible for damage and expenses for which you are liable under the rental agreement.
Having insurance does not automatically mean that all costs are covered. Depending on the circumstances, the applicable insurance policy, and your rental agreement, you may be responsible for certain expenses, penalties, or damage not covered by insurance.3. Gravel Roads and Off-Road Driving
For safety, the maximum permitted speed on gravel roads is 40 km/h. Please adjust your speed to the road conditions and take extra care on roads with large rocks, potholes, deep ruts, washouts, or uneven surfaces.
Rough roads can put additional stress on a vehicle, so careful driving is essential to help prevent damage. Please note that damage caused by driving conditions or improper use may be subject to the terms of your rental agreement and may not be covered by CASCO.
Restricted Areas and Prohibited Actions
You must stay within the permitted travel territory and must not visit locations prohibited by your rental agreement, cross rivers, or drive after 10:00 PM.
Please follow these restrictions carefully, as violations may result in penalties under the rental agreement. Additional charges may apply in cases of damage, recovery, towing, repairs, or other expenses, where applicable under the rental agreement.
Please check our Forbidden Roads & Restricted Areas guide before planning your route.4. What to Do in Case of an Accident
If you are involved in a road traffic accident, please follow these steps carefully.
1. Make Sure Everyone Is SafeCheck whether anyone is injured or needs medical assistance. If necessary, call the emergency services.
2. Contact Too Travel via WhatsApp immediatelyText us as soon as possible. We will advise you on how to proceed based on the situation.
3. Call the Traffic Police (GAI) to the SceneDo not move the vehicle or change its position after the accident. Leave it as it was immediately after the collision until the police arrive and instruct you otherwise. This is important for documenting the accident.
4. Take Photos and VideosIf it is safe to do so, photograph and record the accident scene, the vehicles involved, the damage, road conditions, and the surrounding area from different angles. Do not move the vehicle to take photos.
5. Follow the Police Officers’ InstructionsThe driver must personally remain present and cooperate with the police throughout the required procedures.Depending on the circumstances, the police may:- Seize your driving licence and the vehicle registration certificate.- Arrange for the vehicle to be taken to a police impound lot.- Prepare official accident documents, such as the accident report, accident scene diagram, accident certificate, and medical alcohol test results.
Police procedures may take one day or longer.
6. Obtain All Official DocumentsMake sure you receive the documents issued in connection with the accident. Please provide them to Too Travel as required under your rental agreement.
7. Follow the Required Procedures and Settle Applicable ChargesOfficial fines, towing costs, and compensation for damage to property may apply depending on the circumstances and the outcome of the proceedings.
8. Complete the Formalities with Too TravelFollow our instructions regarding the vehicle, documentation, and any further formalities required under your rental agreement.
Insurance coverage and responsibility for costs will be assessed according to the applicable insurance policy, the circumstances of the accident, and your rental agreement.
If There Is No Mobile Signal
If the accident occurs in an area without mobile coverage, prioritize everyone's safety and follow the required accident procedures. If possible, ask passing drivers to help you contact the emergency services and Too Travel using their mobile connection, Starlink, or a satellite communicator.
Do not leave the accident scene simply to find a signal. If you must travel to an area with coverage to contact us, first follow the instructions of the police and emergency services and make sure it is safe and legally permissible to do so.
Contact Too Travel as soon as communication becomes possible and follow our instructions.5. Documents Required After an Accident
After an accident, make sure to obtain and keep all official documents issued by the police. These may be required to process an insurance claim.
Depending on the circumstances, the documents may include an official accident report or decision, an accident scene diagram, an accident certificate, and other documents requested by the insurance company.
If another vehicle is involved, keep the relevant details of the other driver and vehicle, and follow the instructions provided by Too Travel and the police.
Please contact Too Travel as soon as possible so we can guide you through the next steps.6. What to Do if the Vehicle Is Damaged While Parked
If you discover damage caused by a natural event or the actions of a third party—for example, a falling object, snow, or ice:
1. Report the incident to the nearest police station immediately.
2. Notify Too Travel immediately and no later than 3 hours after discovering the incident.
3. Take photos and videos of the damage and the surrounding area, if possible.
4. Follow our instructions and keep all official documents.
Under the rental agreement, within 2 days, you must provide the police notification receipt confirming acceptance of your report and the required certified copies of official decisions once they are available, in accordance with the agreement.
Do not assume that damage discovered while the vehicle was parked is automatically covered. The insurer will assess the circumstances and the applicable policy conditions.7. What to Do if the Vehicle Breaks Down
Mechanical or technical failures are not automatically covered by CASCO.
If your vehicle develops a problem during your trip:
1. Stop in a safe location if it is safe to do so.2. Contact Too Travel via WhatsApp immediately.3. Send your location and describe the problem. Photos or videos can help us understand the situation.4. Wait for our instructions before continuing your journey or arranging any repairs.5. If towing is necessary, use a tow truck. Towing the vehicle with a cable is prohibited under the rental agreement.
If the vehicle becomes stuck or inaccessible off-road, recovery and towing costs are the renter’s responsibility under the rental agreement.
We will advise you on the next steps based on the situation and the vehicle’s location.
If a warning light appears on the dashboard, or you notice unusual noises, smoke, overheating, fluid leaks, or a sudden change in how the vehicle drives, stop in a safe place and contact Too Travel before continuing. Do not ignore warning signs or attempt to diagnose or repair the vehicle yourself.
Unauthorized Repairs and Roadside Assistance
Do not allow other drivers, bystanders, local mechanics, or any third parties to repair, dismantle, modify, or attempt to fix the vehicle without prior approval from Too Travel. This includes roadside repairs, even if someone offers to help you continue your journey.
Too Travel is not responsible for the quality, safety, or consequences of repairs arranged or carried out by third parties without our prior approval. Unauthorized repairs or modifications may complicate the assessment of damage and may affect insurance coverage, potentially resulting in a claim being reduced or refused, subject to the applicable insurance policy and rental agreement.
If immediate action is necessary to protect people from danger, prioritize safety and contact emergency services where appropriate. Inform Too Travel as soon as it is safe to do so.
What to Do if There Is No Mobile Signal
If your vehicle breaks down in an area without mobile coverage, try asking passing drivers for help contacting Too Travel. They may have Starlink or a Garmin satellite communicator. If you have a Garmin device, you can also try sending us a message through it.
If you cannot contact us by any means, leave the vehicle in a safe location and arrange a ride with passing drivers to the nearest place with mobile coverage. Contact us as soon as you have a signal. We will help you decide what to do next and arrange further assistance.8. What to Do if the Vehicle Is Stolen or Lost
If the vehicle is stolen or goes missing:
1. Report the incident to the nearest police station immediately.
2. Notify Too Travel immediately and no later than 3 hours after the incident.
3. Follow our instructions and cooperate with the relevant authorities.
4. Hand over the vehicle registration certificate to us within 3 days, as required by the rental agreement.
Do not leave the vehicle keys or registration documents inside an unattended vehicle. Keep them secure throughout your trip.9. How to Report an Incident to Too Travel
When contacting us, please provide as much of the following information as possible:
1. Your name and vehicle model2. Your current location3. The date and approximate time of the incident4. A clear description of what happened5. Photos and videos of the damage or problem6. Details of any other vehicles or people involved, where applicable7. Any official documents issued by the relevant authorities
Please contact us via WhatsApp as soon as possible. Prompt notification and complete documentation are important for handling the situation and assessing whether an insurance claim can be made.
[Contact Too Travel on WhatsApp]10. How Does the Security Deposit Refund Work?
A $500 refundable security deposit is required when you collect your vehicle.
$400 — Refunded Upon Vehicle ReturnThe $400 portion is refunded when you return the vehicle in the condition specified in your rental agreement, taking normal wear and tear into account, provided there are no applicable deductions.The deposit may be used to cover amounts you owe under the agreement, including damage, penalties, washing, refuelling, or other applicable expenses.
$100 — Refunded After 14 DaysThe remaining $100 is refunded within 14 days after the end of your rental period, provided there are no outstanding traffic fines.
What If the Vehicle Is Damaged?If the vehicle is damaged, the handling of your security deposit depends on the circumstances, the nature of the damage, the applicable insurance policy, and the terms of your rental agreement.The security deposit is not a substitute for insurance and does not necessarily limit your financial responsibility to the amount of the deposit. Additional costs may be payable where provided for in the rental agreement.We assess each incident individually and will explain the applicable deductions or next steps.
Before You Set Off- Make sure you understand whether you have OSAGO only or have also purchased optional CASCO.- Read the rental agreement and follow the permitted routes and driving restrictions.- Keep our contact details accessible during your trip.- In the event of an accident, damage, or breakdown, contact Too Travel immediately and follow our instructions.- Keep photos, videos, and official documents relating to any incident.
We want you to enjoy exploring Kyrgyzstan while understanding your responsibilities and knowing what to do if something unexpected happens.