EUROASIA INSURANCE: 2025 Year Results and Outlook for Uzbekistan's Insurance Market
EUROASIA INSURANCE announced 2025 results: insurance premiums increased 3.2x, net profit grew 5.8x. Details on Granite platform implementation and 2026 forecasts.
The Europrotocol is a simplified procedure for documenting road traffic accidents, where drivers independently fill out a special accident report without the involvement of traffic police officers. This system was introduced in Uzbekistan on November 25, 2021, aiming to reduce the workload on traffic police and speed up the insurance claim process.
The main advantage of the system is that drivers can quickly document the incident on the spot and clear the road without waiting for police inspectors to arrive. This is especially important in dense urban traffic conditions, where every minute of delay can cause serious congestion.
You can download the Europrotocol form on the official EUROASIA Insurance website.
The Europrotocol can be used only if ALL of the following conditions are met:
The accident involves exactly 2 vehicles. A car with a trailer is considered as one unit.
No persons have sustained injuries or bodily harm. Damage concerns only the vehicles.
No damage to road signs, barriers, buildings, parking barriers, or property of other persons.
One of the drivers fully and unconditionally admits their fault. There are no disagreements about the circumstances of the accident or the determination of the guilty party.
Both parties have valid compulsory motor third-party liability insurance policies at the time of the accident.
The participants are not under the influence of alcohol or drugs. Medical examination must be conducted within 4 hours from the time of the accident.
All driver documents (driver’s licenses, vehicle registration certificates, powers of attorney if applicable) must be valid and in order.
The estimated damage must not exceed the Europrotocol payment limit (14 million UZS).
The Europrotocol must NOT be used in the following cases:
More than two vehicles involved
There are injured persons (injuries, bodily harm)
Damage to road infrastructure (signs, barriers, traffic lights)
Damage to third-party property
One of the drivers is intoxicated
One of the drivers does not have a valid OSAGO policy
Disagreements about the circumstances of the accident or the guilty party
Estimated damage exceeds the Europrotocol limit
Suspicions of intentional damage
One of the drivers has a CASCO policy (police must be called)
If at least one condition is not met, it is necessary to call the traffic police for standard accident documentation.
Stop the vehicle and turn on hazard lights.
Place a warning triangle at a distance of 15 meters from the vehicle.
Check for any injured persons.
Call an ambulance if necessary.
Make sure your situation meets all conditions 6-8 for using the Europrotocol.
Make at least 10-15 photos:
General view of the accident scene — position of vehicles relative to road markings, signs, and other landmarks.
Damage to each vehicle — close-up of each damage.
License plates of both vehicles.
Participants’ documents (licenses, registration certificates, OSAGO policies).
Odometer readings of both vehicles.
Brake marks on the road.
Glass shards and vehicle parts on the road.
Surrounding road environment — traffic lights, road signs, road surface condition.
Road markings at the accident site.
Working traffic light (if the accident occurred at a controlled intersection).
Important: Photos should be taken from different angles and show the full picture of the incident. Insufficient photo documentation is one of the main reasons for claim denial.
If vehicles block traffic and it is safe, move them off the roadway after photo documentation.
The Europrotocol is filled out simultaneously by both drivers in two copies at the accident scene.
Ways to obtain the form:
Print it yourself (available for download on the website).
Receive it from the insurance company when issuing OSAGO policy.
Fill it out via the mobile app Sug'urta Servis (iOS / Android).
Visit a medical institution within 4 hours from the accident time and obtain a certificate confirming absence of alcohol intoxication. This is mandatory for both drivers.
The injured party, on their own initiative or at the insurer’s request, may conduct an independent damage assessment within 3 working days from the accident.
Submission deadline: 3 working days (for EAI) or 5 working days (general standard).
The injured party must submit documents to the insurer of the guilty party. The guilty party must also notify their insurer within the same period.
Important: The countdown starts from the date of the accident, not from when the driver learned about the need to submit documents.
Accident location: Specify the exact address of the accident site with street name, building number, and nearest landmarks.
Date and time of accident: Indicate date and time accurately to the minute.
Driver details: Full names, contact information, addresses, driver license data.
Vehicle details: Make, model, registration number, VIN, registration certificate data.
Insurance policy details: OSAGO policy number, insurance company name, validity period.
Drivers select several points from 22 options describing the accident circumstances. Examples:
Moving straight (no maneuver)
Changing lanes
Turning right
Turning left
Reversing
Not maintaining distance
Failing to comply with priority sign
Failing to yield when changing lanes
Entering oncoming lane
And other circumstances
The diagram must include:
Roadway with number of lanes indicated.
Road markings.
Road signs.
Traffic lights (if any).
Position of vehicles at collision moment.
Directions of movement (arrows).
Trajectories before collision.
Street names.
Building numbers.
Distances to nearest landmarks.
Important: Vehicles on the diagram should not be simple rectangles but show orientation. Indicate which parts of the vehicles were involved in the collision and at what angle they approached.
Indicate the point of initial impact on the vehicle diagram with an arrow.
List all visible damages: dents, scratches, broken headlights, damaged bumpers, etc.
The guilty party must clearly state: "I fully admit my fault in the accident."
The injured party may add additional circumstances or remarks.
Important:
Both copies of the Europrotocol must be identical.
Both copies must be signed by both drivers.
After signing, no changes are allowed in the documents.
An explanatory note is attached to the Europrotocol, which:
Describes the accident circumstances in detail.
Specifies the sequence of events.
Notes that the report is signed by both drivers.
States that photos and videos from the accident scene are attached.
Required Documents
Driver licenses of both drivers.
Vehicle registration certificates (technical passports).
Valid OSAGO policies of both parties.
Power of attorney (if the vehicle is driven under one).
Accident report form (Europrotocol).
Completed accident report (Europrotocol) — both copies.
Photo and video materials from the accident scene (minimum 10-15 photos).
Direct claim application.
Medical certificate confirming absence of alcohol intoxication (for both drivers).
Copies of driver licenses of both participants.
Copies of vehicle registration certificates.
Copies of OSAGO policies of both parties.
Copy of power of attorney (if applicable).
Independent damage assessment report — if necessary.
Explanatory note.
Action | Deadline |
|---|---|
Filling out the accident report at the scene | Immediately |
Photo documentation of the accident scene | Immediately |
Medical examination | Within 4 hours from accident |
Independent damage assessment | Within 3 working days from accident |
Submission of documents to insurer | Within 3-5 working days from accident |
Insurance company review | Within 15 calendar days |
Insurance payout | Within 5 working days from decision |
Important: Do not wait until the last day. It is better to contact the insurance company the day after the accident while details are fresh and there is time to correct possible errors.
Total OSAGO insurance amount: 40 million UZS.
For property damage compensation (35%): 14 million UZS.
For bodily injury compensation (65%): 26 million UZS.
Europrotocol payment limit: 14 million UZS (35% of total insurance amount).
Total OSAGO insurance amount: 80 million UZS.
For property damage compensation (35%): 28 million UZS.
For bodily injury compensation (65%): 52 million UZS.
Expected Europrotocol payment limit: 28 million UZS.
Important: If actual damage exceeds the Europrotocol limit, the injured party may seek additional compensation from the guilty party through court, although this is a complex process in practice.
According to insurance companies, about 30% of Europrotocol claims are rejected due to documentation errors. Below are the most frequent mistakes and how to avoid them.
Problem: Many drivers take only a few photos of vehicle damage and forget to capture the overall scene.
Consequence: The insurer may refuse payment due to lack of evidence.
How to avoid: Take at least 10-15 photos from different angles, including general view, all damages, license plates, documents, brake marks, and road environment.
Real example: A driver filled out the Europrotocol after a collision at an intersection but forgot to photograph the working traffic light. Later, the other party claimed they had a green light, and without photo evidence, this could not be disproved. The insurer denied compensation.
Problem: Many drivers fill out the diagram carelessly or inaccurately. A poorly drawn diagram can completely change the perception of the incident.
Consequence: Wrong determination of the guilty party, claim denial, or court proceedings.
How to avoid: The diagram must accurately show vehicle positions, directions, road markings, signs, street names, building numbers. Vehicles must be shown with orientation and parts involved in collision. The diagram must correspond to photos.
Problem: The Europrotocol can only be used if both drivers fully agree on the accident circumstances. Drivers often sign without verifying if their statements match.
Consequence: The Europrotocol becomes invalid, requiring police involvement or court resolution.
How to avoid: Before signing, carefully check all details: accident description, diagram, fault admission. If there are any disagreements, even minor, it is better to call the traffic police.
Typical scenario: Two cars collide at an intersection. The first driver states they were going straight on green, the second says they were turning left but also claims to have green light. This contradiction invalidates the Europrotocol.
Problem: Many drivers are unaware of strict deadlines for submitting documents after filling the Europrotocol.
Consequence: Claim rejection, significant delays in payment.
How to avoid: The injured party must submit documents to the guilty party’s insurer within 5 working days (or 3 working days for some companies) from the accident date. The guilty party must notify their insurer within the same period. All documents must be submitted simultaneously.
Problem: The most serious mistake is attempting to use the Europrotocol for an accident that does not meet the simplified procedure criteria.
Consequence: Compensation refusal, administrative or criminal liability.
When not to use:
More than two vehicles involved.
Injured persons present.
Damage exceeds the set limit.
Damage to road infrastructure.
One driver intoxicated.
One driver lacks valid OSAGO policy.
Real example: Drivers assumed damage was minor and filled out the Europrotocol. However, detailed inspection showed damage to the vehicle’s safety system, and repair costs exceeded the Europrotocol limit threefold. The injured driver did not receive full compensation.
Description: Unified mobile app for online submission and processing of accident reports without involvement of law enforcement. Launched by the National Project Management Agency (NAPP).
Platforms:
Android: Google Play
iOS: App Store
Features:
Online accident report submission.
Upload photos from the accident scene.
Fill in all required data.
Submit documents to insurance company.
Description: Mobile application of EUROASIA Insurance company for policy management and claim submission.
Features:
Policy management.
Claim submission.
Operation history.
Notifications about policy status.
Download Europrotocol form.
Website: eai.uz
Official website: eai.uz
Europrotocol pages:
Russian: eai.uz/ru/europrotocol
English: eai.uz/en/europrotocol
O'zbekcha: eai.uz/oz/europrotocol
Узбекча: eai.uz/uz/europrotocol
Articles and guides:
Complete 2025 guide
5 mistakes when filling out
Europrotocol vs standard procedure
Features:
Detailed step-by-step instructions on the website.
Ability to download the Europrotocol form.
Mobile app for policy management.
Document submission deadline: 3 working days.
Review period: 15 calendar days.
Phone: 1147.
Features: Information about Europrotocol within OSAGO framework. Provides Europrotocol forms.
Information: Europrotocol page, form download available.
Features: Information about Europrotocol within OSAGO framework. Provides Europrotocol forms.
Features: Claims processing, form download available.
Features: One of the major insurance companies in Uzbekistan.
Features: Provides Europrotocol forms.
The Europrotocol in Uzbekistan is an effective and convenient tool for documenting minor road traffic accidents. When used correctly, it significantly speeds up the insurance compensation process and helps avoid long waits for traffic police officers.
Key points for successful documentation:
Ensure your situation meets all Europrotocol conditions.
Take quality photo documentation (at least 10-15 photos).
Fill out the accident diagram accurately and thoroughly.
Make sure both drivers’ statements fully coincide.
Submit documents to the insurance company within the established deadline (3-5 working days).
Undergo medical examination within 4 hours.
Remember: About 30% of Europrotocol claims are rejected due to documentation errors. Be attentive and thorough when filling out.
More detailed information is available on the EUROASIA Insurance website or by calling the hotline 1147.
EUROASIA INSURANCE announced 2025 results: insurance premiums increased 3.2x, net profit grew 5.8x. Details on Granite platform implementation and 2026 forecasts.
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