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You are comparing policies for your Cobalt. One plan costs UZS 1.8 million a year; another costs UZS 3.96 million. Why the difference? Even with the same insured vehicle value, the covered risks and services change from one plan to another.
For a Chevrolet Cobalt valued at UZS 180 million, an annual EUROASIA Insurance KASKO policy costs UZS 1.8 million with SIMPLE, UZS 2.34 million with LITE, UZS 2.7 million with SMART, or UZS 3.96 million with DELUXE. These are worked examples. UZS 180 million is an assumed valuation, not a verified market price for a Cobalt. Your policy uses the car's insured value when you take out cover.
The calculations use Offer rates checked on 9 November 2026. All figures are annual premiums before any promotional discount or cashback.
From your Cobalt's value to its policy price
KASKO is voluntary insurance for the vehicle itself. The premium is the amount you pay for your policy. The sum insured is the cover limit recorded in your contract; for vehicle cover, it must match the car's insured value.
To calculate an annual premium, multiply the car's insured value by the rate for your chosen plan:
For example, 180 000 000 × 1.5% = UZS 2 700 000. That is the annual SMART premium. Do not confuse it with the amount of vehicle cover: UZS 2.7 million buys the policy, while the sum insured in this example is UZS 180 million.
The three assumed valuations below show how the calculation works. They are not sales offers for new or used Cobalt cars.
| Plan | Annual rate, up to UZS 500 million | Car valued at UZS 150 million | Car valued at UZS 180 million | Car valued at UZS 200 million |
|---|---|---|---|---|
| SIMPLE | 1.0% | 1 500 000 | 1 800 000 | 2 000 000 |
| LITE | 1.3% | 1 950 000 | 2 340 000 | 2 600 000 |
| SMART | 1.5% | 2 250 000 | 2 700 000 | 3 000 000 |
| DELUXE | 2.2% | 3 300 000 | 3 960 000 | 4 400 000 |
Policy prices in the table are in UZS. For a car worth more than UZS 500 million, the rates are 1.2% for SIMPLE, 1.5% for LITE, 1.7% for SMART and 2.5% for DELUXE. Rates also appear on the KASKO page. Enter your own car's details for a personalised calculation.
What does the UZS 360,000 gap between LITE and SMART buy?
At the assumed UZS 180 million valuation, LITE costs UZS 2.34 million and SMART costs UZS 2.7 million. The annual difference is UZS 360 000. Before choosing, check which risks and services that difference adds.
| Risk or service | SIMPLE | LITE | SMART | DELUXE |
|---|---|---|---|---|
| Damage in a road accident | Yes | Yes | Yes | Yes |
| Theft, fire and explosion | No | Yes | Yes | Yes |
| Falling objects and unlawful acts of third parties | No | Yes | Yes | Yes |
| Natural disasters | No | No | Yes | Yes |
| Towing | No | No | Up to UZS 300 000 | Up to UZS 500 000 |
This is a short comparison, not the contract's full list of risks. A “Yes” does not mean every loss is covered without conditions. The event must meet the Offer's requirements.
The natural-disaster row follows the Offer: this cover is included in SMART and DELUXE. Check your chosen plan's terms before buying, rather than relying solely on a promotional summary. The four-plan comparison explains the other differences.
Choose around the situations you want covered
If your main concern is damage in a road accident, start by looking at SIMPLE. Its lower price comes with a narrower scope: other risks and additional services are not included. If you also want theft or natural-disaster cover, a headline rate of “from 1%” is not enough to make the choice.
Suppose your car stays on the street overnight. If theft is a concern, compare that cover in LITE and the broader plans. This is not a prediction that something will happen to your Cobalt. It is a practical question: which losses would you be willing to pay for yourself?
Take another hypothetical situation: hail damages the car. If you want cover for natural disasters, review SMART or DELUXE. Comparing their prices with SIMPLE and LITE without considering the different cover will not give you a useful answer.
When considering DELUXE, ask whether you need features such as the higher towing limit. Paying a higher rate does not mean the car's full value is paid for every event. The separate KASKO article on theft and major damage explains those situations. The scenarios here are illustrations to help you choose, not actual customer claims.
Check the contract before comparing prices
Entering a lower vehicle value may reduce the calculated premium. However, the Offer provides for proportional compensation when a vehicle is insured for less than its full value. Do not deliberately understate the car's value to obtain a cheaper policy. Agree the valuation with the insurer.
Age matters too. This Offer applies to passenger cars no more than 10 years old from manufacture. The Cobalt model name alone does not establish eligibility; check the year your particular vehicle was built.
Pay particular attention if the vehicle is pledged as collateral, rented out, hired or leased. Section 2.5 of the Offer sets restrictions on these circumstances when the contract is concluded. If your Cobalt was bought on credit or is rented out, an online price does not automatically mean it has been accepted for insurance. Clarify the terms first.
A 360° video inspection is needed to take out the policy. The insurer must approve the video and the premium must be paid. Seeing a price on the calculator does not mean cover has started. Check the insurance period recorded in the policy as well.
Losses KASKO does not cover
Broader plans still have exclusions. The Offer excludes natural wear, internal faults without an external cause, driving while intoxicated, and events connected with certain traffic offences, including speeding and going through a red light.
Theft after leaving the keys in the ignition or the doors unlocked is also excluded. Reading just the words “theft included” is therefore not enough. Review the exclusions before buying so you understand where your chosen protection stops.
Does every DELUXE policy include KASKO Club?
No. Under the Offer, KASKO Club membership for one vehicle is available when the insurance premium is at least UZS 10 million.
In our example, a Cobalt valued at UZS 180 million has a DELUXE premium of UZS 3.96 million. That is below the UZS 10 million threshold. You should not treat this calculation as an offer with membership already included. Check the plan name and the membership conditions separately.
Common questions
Which Cobalt plan costs the least?
Of the four plans discussed here, SIMPLE has the lowest rate: 1% a year for a vehicle valued at up to UZS 500 million. At the assumed UZS 150 million valuation, that is UZS 1.5 million. SIMPLE covers only the road-accident risk.
Why do quotes for the same Cobalt differ?
First check that the insured value, period and plan are the same. Comparing SIMPLE and SMART for a UZS 180 million car means comparing different cover. The starting rate in an advertisement does not apply to every plan.
Are the figures in this article a final offer?
No. They illustrate how the annual rates apply. Your price is determined using your car's insured value and the selected terms. Before paying, check the sum insured, plan and period in the policy.
Your checklist before buying
- Confirm your Cobalt's year of manufacture and insured value.
- Decide which risks you need: road accidents, theft or natural disasters too.
- Compare plan prices using the same vehicle value and period.
- Read the exclusions, restrictions and video-inspection requirements.
- Check the policy details and when cover starts before paying.
If you know your Cobalt's value, use the KASKO calculator. Choose the cover you need first, then compare its annual cost.
