Buying a car in Uzbekistan 2025: How to save on KASKO and fees

Buying a car in Uzbekistan is a major investment and a symbol of success. Whether you choose a powerful Toyota Camry, an economical Chevrolet Cobalt, or a high-tech BYD/Chery electric vehicle, you face two key tasks: protecting this asset from unpredictable losses and making the registration process as fast as possible.

The market is shifting in 2025, bringing new challenges and opportunities. This expert guide from Euroasia Insurance will help you navigate all financial and administrative stages with maximum efficiency. We will show you how to avoid unnecessary insurance costs and secure reliable protection in just 5 minutes, without visiting an office.

1. The 2025 Market: Choices, Prices, and Where to Look

Uzbekistan's automotive market is booming. Alongside traditional leaders, the popularity of imported and localized Chinese brands is growing, offering more choice but complicating the issue of protection.

Status Assets and Financial Realities

For many, a car is a business tool; thus, a breakdown or theft can cause serious financial setbacks.

• For instance, a new 2025 Chevrolet Cobalt ranges from $12,800 to $14,150.

• A status symbol like the 2025 Toyota Camry can cost up to $51,495.

Given such significant investments, standard, expensive insurance can be a heavy burden. However, if the car is purchased on credit (at 20-30% APR), going unprotected is simply unthinkable. Our goal is to find an adaptive solution that is not only reliable but also fits intelligently into your budget.

Where to Search: Online Platforms are Your Ally

To save time, start your search for a new or used car online. Major national platforms allow you to compare prices and check vehicle history:

• Uzum Avto

  OLX

• AvtoElon

2. Inevitable Expenses: Fees, Taxes, and Loans

Beyond the car's price, you must budget for significant additional costs required by the state for transaction processing and registration.

Administrative Fees: Running into the Millions

Processing a sale involves notarization and registration with the Traffic Safety Inspectorate (GUBDD/GAI). For a used car buyer in 2025, mandatory fees and duties can exceed 6.8 million UZS:

Since these administrative costs are fixed, the only way to optimize total spending is to find flexible yet reliable insurance coverage that allows you to save on voluntary insurance.

Save Where You Can!

State fees are mandatory, but insurance costs are flexible. Don't overpay.

Calculate EURO KASKO Price – Find out how to save up to 70% of your budget right now.

Taxes and Loans: The High Price of Risk

• Imports: Personal importing remains expensive. Besides high duties and VAT (12%), the recycling (utilization) fee for EVs has significantly increased as of May 1, 2025, reaching up to 45–78.75 million UZS.

• Loans: Car loan interest rates in Uzbekistan are high, ranging from 20.9% to 29.9% annually.

The high cost of purchase and financing makes protecting your car a critical financial necessity. In the event of an accident or theft, you shouldn't be left with a large loan and no asset.

3. Open Dialogue: Trust and Religious Principles

We understand that for part of our audience, there is an internal conflict regarding traditional insurance due to concerns about Haram (forbidden) elements like Riba (usury), Gharar (uncertainty), and Maysir (gambling).

Our position is absolute transparency. While the Takaful (Islamic insurance) market in Uzbekistan is still developing, and the state requires mandatory insurance (OSAGO), experts often refer to the principle of Darura (extreme necessity). To protect a vital asset, using traditional insurance is permissible.

We, Euroasia Insurance, minimize the key element of doubt—uncertainty (Gharar).

• Moody's International Rating.

• 25 years of experience in the Uzbek market.

• 99.7% Payout Rate for KASKO.

Your peace of mind is guaranteed by our experience and transparency.

4. Euroasia Insurance Digital Solutions: Saving Your Time

We know that in the modern world, time is your most valuable resource.

OSAGO: Mandatory Protection in 3 Minutes

An OSAGO policy (mandatory third-party liability) is required for every driver. With EAI digital solutions, you can get it:

• In 3 minutes online.

• 24/7 (even at night or on holidays).

• Instantly delivered to your app, eliminating fraud risk as it’s registered in the unified database.

KASKO: Full Protection or Smart Constructor?

To protect your car from all risks (accidents, theft), voluntary KASKO is necessary.

• Full KASKO: Ideal for expensive, new, or credit cars. Offers complete protection (Damage + Theft). Cost starts from 1.3% of the car's value.

• EURO KASKO (Constructor): Smart Savings. You choose up to 6 coverage modules (e.g., only glass, mirrors, or bumpers) and save up to 70% compared to full coverage. Ideal for new BYD/Chery vehicles.

Claims Settlement: No Traffic Police for Minor Damages

We save your time and nerves through simple settlement processes.

• Europrotocol: Resolve minor two-car accidents without calling the Traffic Police.

• No Police Certificate Needed: For scratches and chips, simply submit a photo via our app to skip the queues.

5. Conclusion & Checklist: Your Action Plan

A successful purchase in 2025 requires not just investment, but the choice of a reliable, digital partner.

Checklist for a Successful Purchase:

1. Assess Budget: Set aside ~7 million UZS for fixed state fees.

2. Check Legal Status: Ensure there are no liens/arrests on the car.

3. Get OSAGO: Activate mandatory protection online in 3 minutes.

4. Choose Smart KASKO: Use the constructor to save up to 70% if you don't need full protection.

5. Download App: Manage policies and claims 24/7 via the EAI app.

Your Car Deserves the Best Protection

Don't delay. Calculate your EURO KASKO rate and find the perfect balance of price and reliability!

Get Policy Online