Car insurance in Uzbekistan has become an integral part of responsible vehicle ownership. In 2025, car owners are facing new legislative requirements, changes in tariff policies, and expanded opportunities to protect their interests on the road. Understanding the features of auto insurance in our country will help you make an informed decision and ensure reliable protection for both yourself and other road users.
The modern auto insurance market in Uzbekistan offers two main types of protection: Compulsory Third-Party Liability Insurance (OSAGO) and Voluntary Comprehensive Car Insurance (KASKO). Each of these types has its own features, advantages, and requirements, which are important for every car owner to understand. As of July 1, 2025, new legislative changes have come into force that affect both residents and foreign citizens crossing the border of Uzbekistan by car.
Experts from Euroasia Insurance emphasize that a properly arranged auto insurance policy not only protects against financial losses in the event of a road accident but also provides peace of mind and confidence behind the wheel. In this detailed guide, we will review all aspects of auto insurance in Uzbekistan: from mandatory requirements to voluntary protection programs, from the registration procedure to the step-by-step actions in the event of an insurance claim.
Whether you are a novice driver or an experienced car owner, this guide will help you understand the complexities of car insurance in Uzbekistan and choose the optimal solution for your needs and budget.
The auto insurance system in Uzbekistan is structured according to the principle of two-level protection, where each level solves specific tasks and covers different risks. Understanding the differences between insurance types will help car owners make informed choices and ensure adequate protection of their interests.
The first level is Compulsory Third-Party Liability Insurance (OSAGO). This type of insurance is a legal requirement and is designed to protect the interests of third parties who may suffer damages as a result of a road accident caused by the insured driver. OSAGO does not cover damage to the policyholder’s own vehicle, but only compensates for damage caused to other road users.
The second level includes voluntary types of car insurance, the most popular of which is Comprehensive Car Insurance (KASKO). This type of protection covers damage to the policyholder’s own vehicle from various risks: road accidents, theft, vandalism, natural disasters, and other events specified in the insurance contract.
Euroasia Insurance specialists stress that the optimal protection of a vehicle is achieved by combining mandatory OSAGO with voluntary KASKO. This approach ensures comprehensive coverage of both third-party liability and the car owner’s property. It is important to understand that each type of insurance has its own specifics in terms of covered risks, compensation limits, and claims procedures.
As of 2025, the car insurance market in Uzbekistan also includes additional products such as:
Personal accident insurance for drivers and passengers,
Insurance for additional vehicle equipment,
Various service programs including towing, roadside assistance, and other services that enhance the comfort and safety of drivers.
Compulsory Third-Party Liability Insurance (OSAGO) is the cornerstone of the car insurance system in Uzbekistan. This type of insurance is not just a formal legal requirement but an important social protection mechanism that ensures compensation for damages to victims of traffic accidents.
According to the current legislation of the Republic of Uzbekistan, every vehicle owner must have a valid OSAGO policy. This requirement applies to all types of motor vehicles: passenger cars, trucks, buses, motorcycles, and other motorized means of transport. The absence of an OSAGO policy leads to administrative liability in the form of a fine.
In 2025, significant changes were introduced to the amount of fines. According to the Presidential Decree of the Republic of Uzbekistan, as of mid-2025, the Base Calculation Value (BCV) is 375,000 UZS, and from August 1, 2025, it increases to 412,000 UZS. The fine for not having a valid OSAGO policy is 1 BCV, which currently equals 375,000 UZS.
The legislation includes a system to encourage prompt payment of fines for OSAGO violations:
If paid within 15 days from the issuance of the resolution — 50% discount, total payment: 187,500 UZS.
If paid from the 16th to the 30th day — 30% discount, total payment: 262,500 UZS.
After 30 days — the full fine must be paid.
The OSAGO policy covers damages caused to third parties in a traffic accident in which the insured is at fault. The maximum coverage is 40 million UZS per insured event. This amount includes:
Compensation for property damage (vehicles, buildings, fences, etc.),
Compensation for personal injury (harm to life and health).
OSAGO does not compensate damage to the insured person’s own car.
If you are responsible for a traffic accident, your insurance company will reimburse the third party, but you will need to repair your car at your own expense.
That’s why Euroasia Insurance experts recommend complementing OSAGO with a KASKO policy to ensure full protection.
From July 1, 2025, new requirements have come into effect:
All cars, buses, motorcycles, trucks, and other vehicles registered in foreign countries and entering Uzbekistan must have a valid OSAGO policy.
This regulation aims to protect the interests of Uzbek citizens in case of traffic accidents involving foreign vehicles.
Comprehensive car insurance (KASKO) is a voluntary yet highly important type of vehicle protection that covers a wide range of risks. Unlike OSAGO, which protects the interests of third parties, KASKO is aimed at protecting the policyholder’s own property, providing financial compensation in the event of damage to or loss of the insured vehicle.
Modern KASKO programs in Uzbekistan offer protection against many risks that may result in vehicle damage or loss. The main covered events include:
Traffic accidents (collisions, rollovers, hitting obstacles, etc.),
Damage even when the insured driver is at fault.
In addition, KASKO programs provide coverage for criminal acts committed by third parties:
Theft or attempted theft,
Vandalism,
Intentional damage.
KASKO also covers natural disasters and weather-related events, such as:
Hail,
Floods,
Earthquakes,
Hurricanes,
Falling trees or other objects.
Some programs include coverage for:
Fire and explosion,
Damage caused by animals.
The Uzbek market offers a variety of KASKO programs with differing levels of coverage, deductibles, and additional services. Euroasia Insurance offers three main programs, tailored to different needs and budgets:
Starts at 1.3% of the vehicle’s value.
Covers basic risks: total loss (theft or complete destruction), accident-related damage, and damage from natural disasters.
Compensation is paid even if the insured is at fault.
Includes damage assessment by insurance company experts.
Starts at 1.5% of the vehicle’s value.
Includes all LITE program benefits plus:
Civil liability insurance up to 10 million UZS,
Personal accident insurance up to 15 million UZS,
Windshield replacement,
Payouts without traffic police reports in certain cases,
Additional services like taxi and tow truck.
Starts at 2.2% of the vehicle’s value.
Offers maximum protection and service, including:
Civil liability insurance up to 20 million UZS,
Personal accident insurance up to 25 million UZS,
Sober driver service,
Roadside technical assistance.
Modern KASKO programs in Uzbekistan offer significant advantages over traditional bank-issued car insurance products. Specialized insurers provide:
Up to 40% savings compared to bank KASKO,
3× more services included.
Key benefits:
Personal manager available 24/7,
VIP claims processing — no queues or delays,
Repairs at authorized service centers using original parts.
Additional services include:
Free 24/7 vehicle towing in emergencies,
Comprehensive risk protection for peace of mind and confidence on the road.
Choosing an insurance company is one of the most important decisions when arranging car insurance. The reliability and professionalism of the insurer determine not only the quality of service but also the guarantee of compensation in the event of a claim. With 35 insurance companies operating in Uzbekistan, car owners are offered a wide range of choices, which can also make the decision-making process more complicated.
When selecting an insurance provider, it is important to consider several key factors:
Financial stability is the primary criterion, as it directly affects the company’s ability to fulfill its obligations.
Rating agencies regularly assess insurers’ financial positions and assign them appropriate ratings.
Experience and reputation in the market also matter. Companies with a long history of successful operations typically have better infrastructure, streamlined claims processes, and trained personnel.
Customer reviews and expert opinions help form an objective view of service quality and client satisfaction.
Claims settlement speed and quality are critical. Leading insurers provide fast claim review, timely damage assessment, and prompt compensation.
Having an internal network of experts, partner service centers, and a wide regional presence improves customer experience.
According to results from 2025, the following companies lead the Uzbek car insurance market:
APEX INSURANCE tops the list with the highest AAA rating from the National Agency for Prospective Projects – a testament to its exceptional financial strength and reliability.
GROSS Insurance and ALFA INVEST SUG’URTA received uzA++ ratings with stable outlooks, confirming their credibility and ability to meet client obligations.
Euroasia Insurance is recognized as a trusted partner for car owners, offering innovative products and high service standards.
Uzbekinvest, with 27 years of experience, remains a key player in the OSAGO segment and offers competitive auto insurance terms.
The market is largely dominated by major players: the top 10 companies account for 76.2% of the total market share — a clear sign of industry concentration and dominance by large, trusted firms.
Beyond financial metrics, consider:
Availability of a 24/7 hotline,
Options for online policy issuance,
Ability to submit and track claims digitally,
Availability of mobile apps for client convenience.
Regional accessibility also plays a role:
Insurers with branch offices across Uzbekistan provide more convenient support, especially during the claims process.
Having partnered service centers in your city simplifies the repair process after an incident.
Experts at Euroasia Insurance recommend choosing companies that offer:
Transparent terms,
No hidden fees,
Comprehensive consultations before contract signing.
A professional approach and personalized insurance program selection are strong indicators of quality service.
The cost of car insurance in Uzbekistan is determined by many factors that influence the level of risk and, accordingly, the amount of the insurance premium. Understanding the principles of pricing will help car owners make more informed choices when selecting insurance programs and optimize their insurance expenses.
Rates for compulsory third-party liability insurance (OSAGO) are regulated by the government and are relatively standardized.
Key pricing factors include:
Vehicle type and technical specifications,
Region of registration,
Number of drivers authorized to operate the vehicle.
For example:
In Tashkent and Tashkent region, the cost of an OSAGO policy with a limited list of drivers is approximately 56,000 UZS.
A policy without driver restrictions costs more.
Regional coefficients also apply — in some areas, tariffs are lower than in the capital.
Other important factors:
Driver’s age and experience:
Young drivers (less than 3 years of driving experience) and drivers over 65 years old may face higher risk coefficients.
Claim history:
Drivers with a clean record may receive discounts.
The cost of voluntary KASKO insurance is based on a broader range of factors and can vary greatly depending on the chosen program and individual risk profile.
Base rates typically start from:
1.3% of the vehicle’s value for KASKO LITE,
1.5% for KASKO SMART,
2.2% for KASKO DELUXE.
Main pricing components:
Market value of the car — the higher the value, the higher the premium, though expensive vehicles may receive lower percentage rates due to built-in safety features and lower claim frequency.
Year of manufacture and condition —
New cars are usually insured at lower rates due to better safety systems and lower risk of breakdowns.
Older cars may be subject to higher rates or restrictions.
Region of primary use:
Urban areas with high traffic (like Tashkent) usually have higher rates due to greater accident risk.
Vehicle usage type:
Private vs. commercial vs. taxi — commercial use often leads to increased premiums.
Anti-theft and security systems:
Presence of alarms, immobilizers, GPS tracking, etc., can lead to discounts.
Driver’s profile:
More experienced drivers with accident-free records may receive significant savings.
Some insurers also offer special programs for women drivers, based on lower statistical accident rates.
There are several strategies for reducing insurance costs without sacrificing coverage quality:
Deductible (franchise):
Choosing a deductible amount reduces the premium. The deductible is the portion of damage the policyholder agrees to cover themselves.
Driver restriction:
Limiting the number of authorized drivers to a small, experienced group reduces risk and cost.
Matching real needs:
Choosing a program based on actual usage can help avoid overpaying for unnecessary features.
Euroasia Insurance experts recommend regularly reviewing policy conditions and comparing offers from different providers.
The market is constantly evolving — newer products may offer better value.
Bundling OSAGO and KASKO with one insurer may provide additional discounts and simplified service procedures.
Modern technologies have significantly simplified the process of purchasing car insurance in Uzbekistan. Today, vehicle owners can choose from several convenient methods of obtaining insurance policies — each with its own advantages and features. Understanding the registration process will help save time and avoid potential mistakes.
The digitalization of the insurance market has made online registration the most popular and convenient way to obtain car insurance. Most leading insurance companies in Uzbekistan offer full-featured web platforms that allow users to:
Calculate costs,
Choose a program,
And issue a policy without visiting a physical office.
Typical online process:
Enter vehicle data: make, model, year of manufacture, engine capacity, and market value.
Provide personal data of the policyholder and information about the drivers.
The system calculates insurance costs and shows available programs.
Choose a program and confirm the contract terms.
Pay using local systems like Click, Payme, or bank cards.
Receive the electronic policy by email — valid immediately upon payment.
Mobile apps offer even more convenience. With them, users can:
Purchase and renew policies,
File claims,
Track claim status,
Contact support.
Advantages include:
Policy issuance on-the-go,
Document scanning via smartphone camera,
Push notifications about policy expiration, updates, and claim progress.
Despite the rise of digital solutions, many still prefer face-to-face service. Visiting an insurance office allows for:
In-depth consultation,
Personalized recommendations,
Full understanding of policy terms.
Alternatively, call centers serve as a hybrid method:
Operators can calculate rates and explain programs over the phone,
Policies can often be issued directly during the call,
24/7 support is available in many cases.
Standard document package:
Passport of the vehicle owner,
Vehicle registration certificate (technical passport),
Driver’s licenses of all authorized drivers.
For KASKO, additional documents may be needed:
Vehicle valuation report (market value),
Details of installed safety systems.
For legal entities, additional documents include:
Certificate of state registration,
Tax registration certificate,
Power of attorney (if applicable),
And other corporate documents depending on vehicle specifics.
Insurers offer special programs for various types of clients:
New drivers:
May benefit from added training materials or enhanced consultations on safe driving.
Fleet owners:
Can receive corporate discounts and streamlined multi-policy processes.
Experts at Euroasia Insurance stress the importance of carefully reviewing all terms before signing:
Verify all entered data,
Understand coverage scope and exclusions,
Be clear on deductibles and claim procedures.
Professional advice will help you choose the best program and avoid misunderstandings later.
A road traffic accident is a stressful situation in which correct and timely actions can significantly affect the outcome and the size of the insurance compensation. Knowing the proper step-by-step algorithm will help protect your rights, ensure safety, and create the necessary evidence base for resolving the claim.
Immediately after the accident, you must:
Stop the vehicle and do not leave the scene.
Even if the damage seems minor, leaving the scene may result in legal consequences.
Turn on hazard lights to warn other road users.
Place a warning triangle:
At least 15 meters behind the vehicle in populated areas,
At least 30 meters outside populated areas.
This helps prevent further accidents and protects everyone involved.
Check whether anyone is injured. If there are victims:
Call emergency medical services (103) immediately,
Provide first aid if trained,
Do not move seriously injured individuals, unless absolutely necessary.
Next, call the Traffic Safety Department (UBDD) via 102. When calling:
Clearly state the fact of the accident,
Provide exact location, number of vehicles involved, and presence of injuries.
The dispatcher may give additional instructions depending on the situation.
Until police arrive, do not move the vehicles or alter the scene, except in cases where they obstruct traffic or create danger.
Tampering with the accident scene can complicate the investigation and impact liability determination.
It is essential to take photos or videos of:
General view of the accident site,
Damage to all vehicles,
Vehicle positions,
Skid marks, debris, and other evidence.
Capture from multiple angles to ensure a complete picture of the incident.
Communicate calmly and constructively. Do not:
Argue,
Admit fault,
Accuse others —
Liability is determined by UBDD officers and insurance specialists.
You must:
Exchange personal data (full name, address, phone),
Record insurance information (company name, OSAGO policy number, expiration date),
Photograph the other parties’ insurance documents, if possible.
If there are witnesses, take their contact details and short written or recorded statements — they may be critical if disputes arise.
When police arrive:
Wait until all documents are completed:
Accident diagram,
Administrative offense report (if applicable),
Explanations from all parties.
Read documents carefully before signing. If needed, request corrections or include comments.
The official accident report is the primary document for your insurance claim. It includes:
Circumstances,
Participants,
Description of damage,
Preliminary conclusions.
Ensure you receive copies of all documents before leaving the scene.
After the accident is documented by UBDD:
Notify your insurance company as soon as possible (typically within a few days).
Delays in reporting may lead to claim complications or denials.
When reporting:
Submit a full document package:
Official accident report,
Police protocols,
Scene photos,
Car documents and driver’s license.
The insurer will:
Assign an independent assessor,
Evaluate damage and calculate repair costs.
Euroasia Insurance recommends:
Keeping all records related to the accident,
Staying in contact with the insurance company for updates.
Professional insurers provide transparent handling, regular updates, and help you get fair compensation.
Car insurance in Uzbekistan in 2025 represents a mature and dynamically evolving system of protecting vehicle owners’ interests. Legislative changes, stricter requirements for having insurance policies, and the expansion of available products make the choice of the right insurance especially relevant for every vehicle owner.
Compulsory OSAGO insurance is not just a legal formality — it is a key component of social protection that ensures compensation for victims of traffic accidents.
The new penalties introduced in 2025 emphasize the state’s serious approach to liability insurance.
The discounted fine system encourages quick resolution of violations, but the best solution remains timely issuance and renewal of insurance policies.
Voluntary KASKO insurance complements OSAGO and provides full protection of the car owner’s property.
Modern KASKO programs offer not only financial compensation in case of damage or loss but also a wide range of services that increase safety and comfort.
Flexible pricing allows for choosing an optimal solution for any budget.
Choosing a reliable insurance company is the cornerstone of successful car insurance.
Financial stability ratings, experience, client service quality, and claims handling speed should be the main criteria when making your decision.
The leading insurance companies in Uzbekistan offer competitive terms and high-quality service, ensuring peace of mind for their clients.
Modern technology has made the insurance process fast and accessible:
Online platforms,
Mobile apps,
Digital claims handling.
Still, the importance of professional advice and personalized service remains as high as ever.
Understanding the correct actions in case of an accident ensures your rights are protected and speeds up compensation.
Timely reporting, accurate documentation, and cooperation with professionals are essential for a successful outcome.
Euroasia Insurance, as one of the market leaders in Uzbek car insurance, offers:
Innovative products,
Competitive prices,
And high-level service.
The company continues to improve its services, adopt new technologies, and expand client convenience.
Investing in quality car insurance is investing in your peace of mind and financial stability.
Don’t delay issuing or renewing your policies — road accidents are unpredictable, and the consequences of being uninsured can be catastrophic for your family budget.
Q1: What is the fine for not having an OSAGO policy in 2025?
A: The fine is 1 BCV (375,000 UZS as of mid-2025).
If paid within 15 days, a 50% discount applies;
From day 16 to 30 — a 30% discount;
After 30 days — full amount is payable.
Q2: Can I get car insurance online?
A: Yes, most insurance companies in Uzbekistan offer online policy issuance through their websites and mobile apps. It’s fast, convenient, and secure.
Q3: What’s the difference between OSAGO and KASKO?
A: OSAGO is mandatory and covers damage to third parties. KASKO is voluntary and covers your own vehicle from risks like accidents, theft, natural disasters.
Q4: How much does KASKO cost in Uzbekistan?
A: Starts from 1.3% of the car’s value for basic plans, Up to 2.2% for premium packages with extended coverage and services.
Q5: What if the at-fault driver in an accident doesn’t have OSAGO?
A: Compensation may be paid via the Guarantee Fund, Or directly from the at-fault driver through court. If you have KASKO, you will be compensated regardless of the other party’s insurance status.
Euroasia Insurance specialists are ready to help you choose the optimal solution for protecting your vehicle.
We offer personalized service, competitive rates, and a high level of customer support.
Euroasia Insurance Contact Information:
Phone: +998 (71) 200-00-00
Email: info@eai.uz
Website: https://eai.uz
Online Chat: Available 24/7 on the company website
Mobile App: Available on App Store and Google Play
Euroasia Insurance – your reliable partner in the world of car insurance.
Protect yourself and your vehicle today!
We continue our series of articles about KASKO benefits in Uzbekistan. In the first article, we provided a general overview, in the second we discussed comprehensive protection, and in the third – quick payouts. Today we'll talk about pleasant and useful bonuses – additional services that transform a KASKO policy from simple insurance into a real roadside assistant.
We're concluding our series of articles about the benefits of KASKO in Uzbekistan. We've already discussed comprehensive protection, quick payouts, additional services, and the special importance of the policy for beginners and luxury car owners. Today we'll tell you about the fifth reason to choose KASKO – the amazing simplicity and convenience of arranging it online.
In the first article of our series, we outlined 5 key reasons to get KASKO coverage, and in the second, we explored in detail the comprehensive protection this policy provides. Today, we'll discuss an equally important advantage – the speed and reliability of insurance payouts.
In our previous article, we examined 5 key reasons why you should get KASKO for your vehicle. Today, we'll focus in detail on the first and most important reason – the comprehensive protection that this type of insurance provides.
