OSAGO 2026: New Tariffs and Limits | EUROASIA

Changes in Uzbekistan’s compulsory motor insurance system: what changes from 2026 and a reminder for drivers

As the number of cars grows, so do the risks. Owning a vehicle in Uzbekistan is not only a convenience but also a great responsibility. Year after year, the population’s welfare grows, which leads to a rapid increase in the number of vehicles on the roads.

According to statistics, as of 1 July 2025, individuals in the country had registered 4 million 612.7 thousand vehicles. That is 441.5 thousand more than in 2024 — meaning that almost half a million new cars were added in a single year (source: zamin.uz, 17 July 2025).

The compulsory motor insurance system and its importance

In order to compensate for property or physical damage that may be caused to third parties during road traffic, the state has introduced the system of “Compulsory insurance of civil liability of vehicle owners” (in short — compulsory motor insurance).

This system was introduced on the basis of the Law of 21 April 2008 and Cabinet of Ministers Resolution No. 141 of 26 June 2008, and its purpose is to ensure the social protection of citizens by compensating damage caused to third parties as a result of a road traffic accident (RTA).

Why was a reform needed?

It is no secret that in recent years there have been many complaints about the untimely payment of compensation by insurance organizations and the insufficiency of damage compensation limits.

Because the insurance premium of 56 thousand sum that was in effect in 2019 was in practice insufficient to compensate for damage, in some regions insurance companies’ interest in promoting this type of insurance in a competitive environment declined. Owing to the above and a number of other factors, by the Resolution of the Cabinet of Ministers of the Republic of Uzbekistan of 23 July 2025, measures to reform the compulsory motor insurance system were defined.

The situation on the insurance market of the city of Tashkent

In 2023, more than 865.0 thousand insurance policies were issued in the city of Tashkent, 80.5 billion sum in insurance premiums were collected, complaints were received regarding 10.6 thousand insurance claims, and 77.9 billion sum in insurance compensation was paid.

In the first 9 months of 2025, 1.54 million insurance policies were issued and 129.5 billion sum in insurance premiums were collected. During this period, insurance compensation of 108.4 billion sum was paid for 12.5 thousand insurance claims.

Such growth can be attributed primarily to the expansion of the population’s “car fleet,” the increasing share of “expensive” cars, and rising repair prices.

New limits and tariffs from 2026

From 1 January 2026, the sum insured is set at 80.0 million sum:

• For damage caused to property — 28.0 million sum;

• For damage caused to life or health — 52.0 million sum.

This is twice as high as the current limits. For comparison:

Under the terms in effect in 2019–2025, the sum insured was 40.0 million sum. Of which:

• For damage to property — 14.0 million sum;

• For damage to life or health — 26.0 million sum.

Under the terms in effect before 2019, the sum insured was 12.0 million sum. Of which:

• For damage to property — 4.2 million sum;

• For damage to life or health — 7.8 million sum.

Thus, compared with the period before 2019, the liability limit increases by 6.7 times, while the insurance premium has grown by 1.2 times.

New insurance tariffs (from 01.01.2026, in sum)

An example of the dynamics

The conditional parameters of our example:

• Vehicle: a passenger car of the Lasetti model;

• Driver’s age: 22 years;

• Driving experience: 2 years;

• Region of registration: the city of Tashkent;

• Insurance policy: with a limited and an unlimited number of drivers.

Stages of the reform

From the example given (from the table), it is clear that from 1 January 2026 the sum insured (liability limit) under the compulsory insurance of civil liability of vehicle owners is being significantly increased.

The sum insured (liability limit) has grown by 6.7 times compared with the period before 2019 (from 12.0 million sum to 80.0 million sum). This change makes it possible to significantly increase the amount of compensation for citizens’ property and life/health.

At the same time, the insurance premium (tariff) has grown moderately relative to the insurance liability — only by 1.2 times (from 161.7 thousand sum to 192.0 thousand sum). This shows that it has been set in accordance with the principle of social fairness while maintaining a balance of interests between the insurer and the policyholder.

Important reminders for drivers

We considered it necessary to set out a number of useful reminders for policyholders related to this type of insurance.

General matters:

• Electronic policies: The policy is issued in electronic form and sent via SMS.

• Database integration: All data is integrated into the database of the Ministry of Internal Affairs (MIA) through the Unified Information System.

• “Limited” and “unlimited” policies: The liability amounts are the same; the difference is in the number of drivers entered for driving.

• Coverage: The policy covers only damage caused to a third party; damage to your own car is not within the liability scope of this policy.

Social benefits:

A discount of 50% of the insurance premium is provided to the following persons:

• War veterans and labor front participants;

• Persons with disabilities;

• Pensioners;

• Those affected by the Chernobyl disaster, and others.

The fine if there is no insurance policy:

Failure to comply with the compulsory insurance requirement results in a fine ranging from 1 to 3 BCV (base calculation values).

Procedure for drawing up the notice of a road traffic accident (Europrotocol)

When a road traffic accident (RTA) occurs, if the accident is without bodily injury and involves only two vehicles, the drivers may draw up the RTA notice independently. This process is carried out in the following stages:

At the time of the accident — the drivers carry out:

• The notice is drawn up in two copies.

• The accident site and the damaged parts of the vehicles are recorded by photo and video.

• Data on the time, place, and circumstances of the accident are recorded precisely.

Initial measures after the accident:

• Within 4 hours after the accident, the state of intoxication is checked.

• If there is a victim, they may undergo an independent examination within 3 working days.

• Within 3 working days, the drivers submit the notice and all documents to their insurer.

Review by the insurer:

• The insurer accepts the notice and documents and inspects the vehicle.

• If necessary, an examination is appointed.

• The insurer makes a decision within 15 working days — to pay compensation or to refuse.

• After the decision is made, payment is carried out within 5 working days.

Legal and recourse procedures:

• If the drivers do not submit the documents in time or the check for intoxication is not carried out, the insurer may recover the paid compensation from the at-fault party by way of recourse.

• If signs of a crime are revealed in the RTA, the documents are forwarded to the law enforcement authorities.

You can download the forms from the website eai.uz/europrotocol.

Not only an obligation, but also protection: voluntary insurance

Compulsory motor insurance compensates for damage caused to others, but not to your own car. For full protection, voluntary insurance — KASKO — is needed. EUROASIA Insurance offers several KASKO options so that you can choose the optimal protection for your car.

Our voluntary motor insurance products:

KASKO — comprehensive protection for your car

Classic KASKO offers full protection against a wide range of risks, including RTA (even if you are at fault), theft, damage from natural disasters, vandalism, and more. The three-tier coverage — LITE, SMART, and DELUXE — lets you choose the optimal option for your budget. The ideal choice for those who want maximum confidence on the road.

Advantages of KASKO from EUROASIA Insurance:

• Payouts even if you are at fault in an RTA

• Online issuance in 5 minutes

• 24/7 support

• 99.7% of payouts for insured events

• Tariffs from 1.3% of the car’s value

EUROKASKO — a flexible insurance constructor

This is a unique product that allows you to independently choose the necessary options and create an individual policy. You can insure the parts of the car you consider the most vulnerable (the front, the sides, the windshield, the rear) and not overpay for unnecessary risks. Ideal for economical drivers and those who want targeted protection.

Advantages of EUROKASKO:

• Tariffs from 0.2% of the car’s value

• Choose only the options you need

• The ability to customize the coverage

• Savings of up to 70% compared with full KASKO

Protect your car today!

Do not wait for an unpleasant incident to happen. Take out voluntary insurance right now and get maximum protection for your car.

→ Calculate the cost of KASKO online

→ Build an individual EUROKASKO

→ Learn more about the Europrotocol

Conclusion

Dear drivers! Compulsory motor insurance is not only a requirement of the law, but also your financial protection and peace of mind. From 2026, the coverage limits increase significantly, which means better protection for all road users.

But remember: compulsory motor insurance covers only damage caused to third parties. For full protection of your car, choose voluntary insurance — KASKO or EUROKASKO — from EUROASIA Insurance.

Contact us:

• Call center: 1147 (free across Uzbekistan)

• Phone: +998 71 207-91-93

• Email: info@eai.uz

• Website: eai.uz

We wish you safe roads and reliable protection!