How to Get OSAGO Car Insurance Online in 5 Minutes: Step-by-Step Guide for Uzbekistan

Gone are the days when getting mandatory car insurance meant visiting an insurance office, standing in line, and filling out paper forms. Today, thanks to the growth of digital services in Uzbekistan, you can purchase OSAGO insurance online in just 5–10 minutes — without leaving your home or workplace. It’s especially convenient for busy individuals and first-time car owners who value their time. Let’s walk through the step-by-step process of how to quickly obtain OSAGO via the internet.

What You’ll Need

Before you start, make sure you have the following documents and information ready:

• Car owner’s passport: You’ll need passport details — series, number, and PINFL (personal identification number).

• Vehicle registration certificate (tech passport): This includes details like license plate number, VIN (vehicle identification number), make, model, and year of manufacture.

• Driver’s licenses: Information for all drivers who will be authorized to operate the vehicle (full name, license series and number, date of issue, driving experience).

• Mobile phone and email address: For receiving confirmation messages and the digital insurance policy.

• Bank card (Uzcard/Humo) or a payment app (Click, PayMe): For completing the online payment.

Step 1: Choose an Insurance Company or Aggregator

First, decide where you want to apply for OSAGO insurance online. There are two main options:

• Directly through an insurance company’s website: Most major insurers in Uzbekistan — such as EURASIA Insurance, Gross Insurance, Kapital Sug’urta, Uzbekinvest, Alskom, Agros Hayot, and others — offer online OSAGO issuance through their websites.

Step 2: Calculate the Policy Cost (OSAGO Calculator)

On your chosen platform, navigate to the OSAGO Online section or Auto Insurance section and enter the following information into the calculator:

• Type of vehicle (e.g. passenger car, truck, etc.)

• Region of registration (e.g. Tashkent)

• Engine power or other vehicle parameters

• Driver details (age, experience)

The system will automatically calculate the cost of your OSAGO policy.

Step 3: Fill Out the Application Form

If you’re satisfied with the quoted price, proceed to fill out the full application form. Carefully enter all details from the prepared documents:

• Policyholder’s personal details

• Vehicle information

• Authorized driver details

• Contact information (phone number, email)

Important: Double-check all the information you enter! Any mistakes or typos could render your online policy invalid, which may cause issues during traffic checks or if an accident occurs.

Step 4: Pay for the Policy

Once the form is complete, the system will prompt you to make a payment. Choose your preferred method — by bank card or through Click/PayMe. The payment process is standard and secure.

Step 5: Receive Your Electronic Policy (E-OSAGO)

Right after successful payment, your electronic OSAGO policy will be generated and sent to your provided email address. It may also be available for download in your personal account on the website or through the mobile app of the aggregator. The policy is usually delivered as a PDF file.

What to Do With the Electronic Policy?

• Save it: Store the file on your phone, in the cloud, or on your computer.

• Print it (optional): Although having the digital version is legally sufficient, some drivers prefer to print it for peace of mind.

• Verify it: Make sure your policy is registered in the national insurance database using official verification services (e.g., ersp.e-osgo.uz).

And that’s it! Getting OSAGO online truly takes just a few minutes. It’s a modern, reliable, and convenient way to fulfill your responsibilities as a vehicle owner and secure financial protection on Uzbekistan’s roads.

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