LEGAL ASPECT OF REFORMING THE DUTY OF DISCLOSURE IN INSURANCE IN KAZAKHSTAN

The article examines global trends in reforming the pre-contractual duty of disclosure in insurance law. The primary goal of the research is to develop practical recommendations for Kazakhstan based on a comparative analysis of legislative innovations in the United Kingdom, Australia, New Zealand, Singapore, and the European Union. International experience reveals a clear trend focused on protecting policyholders: a shift towards an insurer inquiry-based model that transfers the disclosure burden from the consumer, and a move towards a system of proportional warranties and counterparty duties. The purpose of the article is to develop practical recommendations on improving the insurance legislation of the Republic of Kazakhstan, aimed at increasing market transparency, strengthening the protection of policyholders and bringing the national legal system in line with international standards, based on a comparative analysis of international approaches to information disclosure prior to the conclusion of an insurance contract. Based on this analysis, four main directions are proposed for Kazakhstan to elevate its insurance market to international standards: simplification and clarification of disclosure rules; introduction of separate legal regimes for consumer and commercial insurance; strengthening the insurer's information duties, including the duty to explain and warn; and the systematization (codification) of legislation into a single code. The active role of the regulator in implementing the reform is particularly emphasized. The proposed measures will contribute to strengthening mutual trust in the insurance market, increasing transaction transparency, and effectively protecting consumer rights. By improving risk management, this transformation can enhance market stability, create favorable conditions for foreign investment, and harmonize national legislation with global practice.

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