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The percentage is often the first thing people notice when choosing KASKO. Yet the difference between 1.0% and 2.2% is not just the price: the insured risks, assistance services and individual payout limits also change.
List the risks that matter to you alongside the tariff. That makes it much easier to narrow four plans down to one.
KASKO is voluntary insurance for your own vehicle. EUROASIA Insurance offers four plans: SIMPLE, LITE, SMART and DELUXE. Here is how they compare on the same criteria.
Start with the price
The tariff is applied to the insured value of the car. For a vehicle valued at up to UZS 500 million, the annual tariffs are:
SIMPLE — 1.0%;
LITE — 1.3%;
SMART — 1.5%;
DELUXE — 2.2%.
For example, if a car is valued at UZS 300 million, the estimated annual premium is:
Plan | Calculation | Annual premium |
|---|---|---|
SIMPLE | 300m × 1.0% | UZS 3,000,000 |
LITE | 300m × 1.3% | UZS 3,900,000 |
SMART | 300m × 1.5% | UZS 4,500,000 |
DELUXE | 300m × 2.2% | UZS 6,600,000 |
This example shows the price side of the decision. The cover deserves the same close comparison.
For a car valued above UZS 500 million, the corresponding tariffs are 1.2%, 1.5%, 1.7% and 2.5%. The exact price is calculated from the car’s insured value.
Four plans at a glance
Cover or service | SIMPLE | LITE | SMART | DELUXE |
|---|---|---|---|---|
Road traffic accident | Yes | Yes | Yes | Yes |
Theft or vehicle theft | — | Yes | Yes | Yes |
Fire, explosion and external impact | — | Yes | Yes | Yes |
Unlawful acts by third parties | — | Yes | Yes | Yes |
Natural disasters | — | — | Yes | Yes |
Payout without a Road Safety Service certificate | — | — | Up to 7% | Up to 10% |
Towing | — | — | Up to UZS 300,000 | Up to UZS 500,000 |
Additional third-party liability | — | — | Up to UZS 10m | Up to UZS 20m |
Personal accident cover for the driver and passengers | — | — | Up to UZS 15m | Up to UZS 25m |
Taxi expenses | — | — | — | Up to UZS 500,000, once per period |
KASKO Club | — | — | — | Subject to the offer terms |
A “yes” in the table does not mean that every situation is covered without exception. Insured events, limits and exclusions are governed by the policy and public offer. “All risks” also does not mean unlimited cover; it means broader protection within the contract terms.
SIMPLE: when an accident is your main concern
SIMPLE has the lowest tariff, but it should not be treated as full KASKO. It covers road traffic accidents only. Theft, fire, falling trees or other objects, natural disasters and assistance services are not included.
SIMPLE may fit if you want to insure against a large repair bill after an accident and can carry the other risks yourself.
LITE: when you need the main external risks too
LITE goes beyond road accidents. It includes theft, fire and explosion, collision with animals, falling objects, other external impacts and unlawful acts by third parties.
Natural disasters and the assistance services available under SMART or DELUXE are not included. It sits between SIMPLE and the wider plans: more protection, but no natural-disaster cover or service benefits.
SMART: when broader cover and practical help matter
SMART adds natural disasters to the LITE risks. It also includes several additional benefits: once per insurance period, a payout without a Road Safety Service certificate up to 7% of the insured amount, towing up to UZS 300,000, additional third-party liability up to UZS 10 million, and personal accident cover with a total limit of UZS 15 million for the driver and up to three passengers.
SMART may suit a new driver, someone who regularly parks outdoors, or anyone who wants cover for hail, strong winds and other natural events as well as road accidents.
DELUXE: when you need higher limits, taxi costs and KASKO Club
DELUXE keeps the SMART risk set and raises the additional-benefit limits. A payout without a Road Safety Service certificate is available up to 10% of the insured amount, towing up to UZS 500,000, additional third-party liability up to UZS 20 million, and personal accident cover for the driver and passengers with a total limit of UZS 25 million.
Another difference is taxi reimbursement: up to UZS 500,000 once per insurance period. KASKO Club is also available only with DELUXE, subject to the offer terms.
DELUXE is worth considering for a higher-value car, when being without the vehicle would seriously disrupt work or family plans, or when higher assistance limits and club services matter.
Narrow the choice with three questions
Do you want to insure against road accidents only?
Yes
You do not need natural-disaster cover or extra help
Standard assistance limits are enough
You need higher limits, taxi costs or KASKO Club
This decision tree is not a final recommendation. It is a quick way to narrow the options before considering the car’s value, how you use it and the costs you could comfortably absorb yourself.
For a new driver
Look beyond the lowest tariff and compare the breadth of cover. If parking damage, external impact or natural events concern you, LITE or SMART may make more sense than SIMPLE. If towing and the option to claim for minor damage without a Road Safety Service certificate matter, compare SMART with DELUXE.
For a financed car
First check the level of cover required by the bank or other lender. If the finance agreement requires a broader set of risks, SIMPLE’s accident-only cover may not be enough. Confirm that the selected policy meets the lender’s requirements before purchase.
For a car used as a taxi
Among the four plans, taxi expense reimbursement appears only under DELUXE. The conditions for commercial use of the insured vehicle should still be checked separately in the policy and public offer.
For a higher-value car
The second tariff band applies above UZS 500 million. In that case, calculate both the percentage difference and the limits for additional liability, towing and certificate-free payouts in sums. A small percentage gap becomes more noticeable on a larger insured amount.
If you want to select individual parts and risks
SIMPLE, LITE, SMART and DELUXE are ready-made packages. If selecting specific vehicle parts and risks matters to you, compare the modular EURO KASKO product as well. It is a separate product, not another name for one of the four plans.
Checks before you buy
EUROASIA KASKO is available for passenger cars no more than 10 years old. During purchase, you record a 360° video of the vehicle in the EAI app.
Before receiving the policy, check:
Does the selected plan include the risk that matters to you?
Is the service or payout limit high enough?
Does the insured amount match the value of the car?
How do the exclusions affect the way you drive and store the car?
Do you understand how to report an event and submit documents?
Important exclusions include driving while intoxicated, leaving the scene, intentional damage, racing or testing, normal wear, corrosion and internal mechanical failure. Personal property inside the car is not automatically covered either. The full list appears in the policy and public offer.
You must notify the insurer within 72 hours of an event. Once the insurance act has been issued, payment is made within five working days. If repair costs reach at least 75% of the car’s insured value, the loss may be treated as a constructive total loss.
For the documents needed after theft, hail, fire or vandalism without a road accident, see the separate claims guide.
Purchase in three steps
The process has three steps: choose a plan and enter the vehicle details, record a 360° video in the EAI app, then pay and receive the electronic policy.
Use the KASKO calculator to price all four plans for your vehicle and compare their cover side by side. Start with the tariff, but decide on the risks and services you actually need.
Frequently asked questions
Which plan has the lowest tariff?
For a car valued at up to UZS 500 million, SIMPLE has the lowest annual tariff at 1.0%. It covers road traffic accidents only, so the lowest-price option is not always the best match for your needs.
Is SIMPLE full KASKO?
No. SIMPLE covers road traffic accidents only. You need a broader plan for theft, fire, natural disasters and other risks.
Which plans include natural disasters?
Natural disasters are covered by SMART and DELUXE. LITE includes several external impacts but excludes natural disasters.
Can I receive a payout without a Road Safety Service certificate?
The option is available under SMART for up to 7% of the insured amount and under DELUXE for up to 10%. It may be used once per insurance period and is subject to the offer terms; the video and damage-assessment requirements still apply.
How long does payment take?
Payment is made within five working days after the insurance act is issued. The period does not start on the first day after the event; it starts after the necessary documents have been reviewed and the act has been completed.
