Bought a car? Congratulations! But along with the car keys, you’ve also received new responsibilities. Starting from July 2025, updated insurance regulations have come into effect in Uzbekistan, and ignoring them has become very expensive.
To be honest, most drivers still don’t understand why they need KASKO if they already have OSAGO. Or, conversely, they think OSAGO alone is enough for all situations. Spoiler: it’s not. And the difference between these two types of insurance can cost you a lot.
The government this year decided to bring order to the roads. Fines have increased so much that now it’s easier to buy insurance than to take risks. On the bright side, new programs have been introduced that really save money and provide better protection.
Let’s figure out what has changed in 2025, how to avoid fines, and how to choose insurance that truly protects your interests. We’ll explain in simple language, without complicated terms or legal jargon.
Car insurance in our country operates under the principle of “double protection.”
The first level is what you simply can’t drive without.
The second is additional protection for those who think about the future.
OSAGO stands for “Compulsory Motor Third-Party Liability Insurance.” Sounds scary, but the meaning is simple: if you hit someone or crash into something, the insurance company will pay compensation to the victims. Your own car, however, remains your problem.
You know what’s interesting? Many people see OSAGO as just another tax. Like the government came up with another way to take money from car owners. In reality, it’s protection from financial ruin.
If you hit a pedestrian – surgery can cost tens of millions of soums. Without insurance, you might have to sell your apartment.
By the way, starting from July 1, foreigners are also required to purchase OSAGO at the border. Previously, tourists drove without insurance, and if something happened – they simply went back home. Now, that’s no longer possible.
KASKO is voluntary. No one forces you to buy it, but smart car owners understand its value. This insurance protects your own car from everything: accidents, theft, hail damage, and vandalism.
KASKO is especially relevant for new cars purchased on credit. Banks often require such insurance as a mandatory loan condition. And it makes sense – who needs a loan for a wrecked car?
Modern KASKO programs have gone far beyond simple damage compensation. Today, it’s a whole range of services: towing, roadside assistance, glass replacement, and even a “sober driver” service for those who had too much to drink at a corporate party.
Previously, the fine for driving without OSAGO was negligible. Many thought: “Whatever, I’ll just pay the fine if I get caught.” In 2025, this logic no longer works. The fine is now 375,000 soums – almost the cost of the annual policy itself.
But there’s a trick for those who still got caught. Pay within the first 15 days – and you get a 50% discount. Instead of 375,000, you pay 187,500 soums. Didn’t make it in time? From day 16 to day 30, the discount is 30% – you’ll pay 262,500 soums. After that, you’ll have to pay the full amount.
Surprisingly, many don’t know about these discounts. They get fined, get upset, and pay the full amount after a month – even though they could have saved half.
OSAGO covers damages up to 40 million soums per case. Sounds impressive, but in reality, this amount might not be enough in a serious accident involving expensive cars or severe injuries.
Important: OSAGO does not cover moral damages, lost profits, or certain indirect losses. If the victim demands compensation beyond the insurance limit, you’ll have to pay the difference out of your own pocket.
The 2025 regulation affected everyone crossing Uzbekistan’s borders by car. Now, foreign drivers must buy OSAGO at the border. This applies not only to cars but also to trucks, buses, and motorcycles.
The cost of such a policy for foreigners is higher than for residents, but it’s fair – tourists use our roads temporarily and are not part of the general insurance system.
Today’s KASKO is more than just accident insurance. Modern programs protect against dozens of risks. Accidents remain the main reason for claims, but statistics show a rise in theft, vandalism, and damage from natural disasters.
Protection from hail is especially relevant in Tashkent and other large cities. One heavy hailstorm can cause millions of soums in damage, turning a new car into a wreck. KASKO fully covers such cases.
Car theft has also become a serious problem. Modern car thieves use advanced technologies that standard alarms can’t stop. KASKO guarantees full compensation of the car’s value in case of theft.
Euroasia Insurance offers three main KASKO programs, each with its own features:
KASKO LITE – basic protection from 1.3% of the car’s value. Covers the main risks: accidents, theft, and natural disasters. Suitable for those who want essential protection at minimum cost.
KASKO SMART – extended program from 1.5% of the car’s value. Includes third-party liability coverage up to 10 million soums, accident protection up to 15 million soums, windshield replacement, and additional services.
KASKO DELUXE – premium protection from 2.2% of the car’s value. Maximum coverage limits, a “sober driver” service, and 24/7 roadside assistance. For those who value comfort and are willing to pay for it.
Many people buy KASKO from banks when getting a car loan, not realizing they’re overpaying up to 40%. Bank programs often include unnecessary options and inflated rates.
Specialized insurance companies offer three times more services for less money. Plus, you get a personal manager who resolves issues without queues or bureaucracy.
There are 35 insurance companies operating in Uzbekistan. How to choose among so many options? Focus on official financial stability ratings.
APEX INSURANCE received the highest AAA rating from the National Agency for Prospective Projects. This means maximum reliability and the ability to fulfill obligations even in times of crisis.
GROSS Insurance and ALFA INVEST SUG’URTA have a uzA++ rating with a stable outlook.
Euroasia Insurance has established itself as an innovative company with a high level of service.
Financial stability is the foundation, but not the only criterion. Pay attention to:
Claims settlement speed – some companies delay payments for months, causing stress and wasting clients’ time with office visits.
Customer service quality – 24/7 hotlines, mobile apps, and the ability to file claims online save time and nerves.
Regional presence – important if you often travel between regions. A company with a developed office network can help you on-site without waiting to return to the capital.
The cost of OSAGO is regulated by the government and depends on several factors.
For a passenger car in Tashkent, a policy with a limited number of drivers costs about 56,000 soums.
A policy without driver restrictions is more expensive.
Age and driving experience matter: young drivers under 22 with less than 3 years of experience pay more, and drivers over 65 are also considered higher risk.
The cost of KASKO depends on many factors:
Market value of the car – the more expensive the car, the higher the absolute insurance premium.
Year of manufacture – new cars are cheaper to insure thanks to modern safety systems. Cars older than 7–10 years may be insured with restrictions or may not be accepted at all.
Region of use – rates are higher in Tashkent due to dense traffic and high accident rates, while in rural areas, risks and rates are lower.
Deductible (Franchise) – the most effective way to reduce KASKO cost. If you are ready to pay the first 500,000 – 1,000,000 soums out of pocket for minor damages, the insurance premium will be much lower.
Limiting the list of drivers – if only family members use the car, there’s no need to pay for unlimited drivers.
Anti-theft systems – especially satellite ones, can reduce the rate by 10–15%. Modern tracking systems not only protect against theft but also help the insurance company quickly locate the car in case of theft.
The days of visiting insurance offices are gone. Today, you can get a policy in just 10 minutes without leaving home. Most major insurers offer fully functional websites and mobile apps.
The process is standard:
Enter your car details.
Choose the program.
Specify drivers.
Pay by card or through payment systems.
The electronic policy is sent to your email and has the same legal force as a paper one.
Mobile apps are even more convenient: you can take pictures of documents with your phone instead of entering data manually. Push notifications will remind you when the policy is about to expire.
If you prefer personal interaction, insurance offices are at your service. A consultant will help choose the optimal program, explain details, and answer questions.
Phone registration is a compromise:
A call center operator will calculate the cost, issue the policy, and arrange courier delivery.
Many companies provide this service 24/7.
For individuals:
Passport
Vehicle registration certificate
Driver’s licenses of all permitted drivers
For KASKO, an appraisal certificate of the car’s value may be required.
For legal entities:
Registration certificate
Tax registration certificate
Power of attorney for the person arranging the insurance
Stay calm – panic is your worst enemy.
Turn on hazard lights and place a warning triangle (15 meters in the city, 30 meters outside).
Check for injuries:
Call an ambulance at 103 if there are victims.
Do not move seriously injured people – you might cause further harm.
Call the Traffic Police (UBDD) at 102. Report the accident, exact location, number of vehicles, and injuries.
Do not move vehicles or objects related to the accident until UBDD arrives (unless they pose a danger or block traffic).
Take photos from different angles:
General view
Damage to all cars
Their positions
Skid marks, debris
Record other participants’ details: full names, addresses, phone numbers, insurance policy data. Take photos of their documents and OSAGO policies.
Stay calm and polite.
Do not admit guilt at the scene – the final decision is made by UBDD and insurance companies.
If there are witnesses, take their contacts and short statements – they can be crucial in disputes.
Carefully check the documents being prepared by the officer.
The accident diagram must accurately reflect the real situation.
If you disagree with something, note your objections in the protocol.
Get copies of all documents: accident report, protocol, and diagram – you’ll need them for the insurance claim.
Notify your insurer as soon as possible, preferably on the day of the accident.
Most companies require notification within 3–5 days.
Prepare all documents:
Accident report
Protocol copies
Photos from the scene
Vehicle documents
The insurer will arrange an independent assessment of the damage.
Keep in touch and monitor the claim process. Professional insurers regularly inform clients about the status of their case.
Car insurance in Uzbekistan in 2025 is no longer just a formality – it is a real necessity. Stricter fines, extended requirements for foreign vehicles, and the development of new insurance products make choosing the right insurance critically important.
OSAGO protects you from financial disaster if you cause damage to other people.
KASKO ensures the safety of your own property.
Together, they create a reliable shield against unexpected expenses.
Choosing an insurance company requires careful consideration. Focus on:
Financial stability ratings
Quality of service
Speed of claims settlement
Saving on insurance may result in greater financial losses in the future.
Modern technologies make getting insurance simple and fast. Online platforms and mobile apps allow you to handle most issues without visiting offices.
Knowing the correct procedure after an accident will help protect your rights and get fair compensation. Actions taken in the first minutes after a crash often determine the outcome of the case.
Investing in quality insurance is an investment in your peace of mind and financial security. The road is unpredictable, but with the right insurance, you can be confident about tomorrow.
How much is the fine for not having OSAGO in 2025?
The fine is 375,000 UZS. If paid within 15 days – a 50% discount (187,500 UZS). From 16 to 30 days – a 30% discount (262,500 UZS).
Can I get insurance online?
Yes. Most insurance companies offer online registration through websites and mobile apps. It’s fast, convenient, and safe.
What’s the difference between OSAGO and KASKO?
OSAGO – mandatory insurance covering damage to others if you are at fault in an accident.
KASKO – voluntary insurance covering your own vehicle against all risks.
How much does KASKO cost?
Starting from 1.3% of the car’s value for basic programs. Premium programs with extended coverage cost from 2.2% of the car’s value.
What if the driver at fault has no insurance?
Compensation is paid through the Guarantee Fund or recovered from the guilty driver through court. If you have KASKO, you will receive compensation regardless of whether the at-fault driver has insurance.
In recent years, many Uzbeks viewed insurance with skepticism. Today, the situation has changed dramatically. Insurance has become an integral part of modern life, and Uzbekistan’s insurance industry is experiencing a real boom. Let’s take a closer look at what opportunities modern insurance offers and how it can protect your interests.
Dear David, Warmest birthday wishes to you!
Dear Bobur Kobulovich, Please accept my sincere congratulations on your birthday!
In anticipation of OSAGO tariff changes effective January 1, 2026, Euroasia Insurance introduces EUROKASKO as a ready-made solution for car owners who don’t want to wait and are ready to get extended protection today.
