Is unlimited-driver OSAGO worth paying twice as much for?

If only you and a few family members use the car, there is no need to pay extra for an unlimited-driver policy. But when drivers change frequently, updating the paperwork every time is inconvenient too.

The short answer:

• choose a named-driver policy if the same 1–5 people regularly use the car;
• choose an unlimited-driver policy if more than 5 people may drive it or the driver roster changes often;
• an unlimited-driver policy costs exactly twice as much as the named-driver option.

The five-driver limit in this article is a EUROASIA product rule. Uzbekistan's compulsory motor insurance framework distinguishes between policies with a specified driver list and policies with no limit on the number of drivers.

How the two options differ

A policy with a limited number of drivers lists everyone allowed to use the car. EUROASIA lets you name between 1 and 5 drivers. Because each driver is known in advance, the base tariff applies.

An unlimited-driver policy is not tied to a fixed list. It works well for families and businesses where different people share the same vehicle. Because the eligible driver pool is wider, a coefficient of 2 applies.

The choice can be summarized in one table:

An unlimited-driver policy does not provide “more protection.” Both options are the same OSAGO product. The difference is who may drive the vehicle and how much the policy costs.

Prices in 2026

The table shows EUROASIA's annual E-OSAGO tariffs. These amounts are before any increase based on prior insurance claims.

For example, a named-driver policy for a passenger car registered in Tashkent costs 192,000 UZS per year. The unlimited-driver option for the same car costs 384,000 UZS. In other regions, the corresponding prices are 160,000 and 320,000 UZS.

You do not need to calculate the price manually. The OSAGO price calculator factors in the vehicle type, registration area and driver-list option.

Choosing for a family car

Consider a family in Tashkent where three people share one passenger car: two parents and their adult child. All three drivers are known in advance, and the list is unlikely to change during the year.

• named-driver policy: 192,000 UZS;
• unlimited-driver policy: 384,000 UZS;
• annual difference: 192,000 UZS.

In this case, listing all three drivers from the start makes sense. Even if a fourth or fifth regular driver is added, the family can stay within EUROASIA's named-driver option.

Now consider a different household. One relative uses the car today, another tomorrow, and the full roster is hard to predict. If more than five people may drive, the unlimited option is more practical despite the higher price because the policy does not need a new named list after every rotation.

The relevant question is not how many relatives the owner has. It is how many people will actually drive the car and whether that roster will remain stable throughout the year.

A fleet calculation

For a business, both the number of drivers and the way they rotate between vehicles matter.

Suppose a company in Tashkent operates four cargo vehicles. If the same five regular drivers are assigned to each vehicle, named-driver policies may be enough:

4 vehicles x 336,000 UZS = 1,344,000 UZS per year

If six or more employees may drive any vehicle, each vehicle needs an unlimited-driver policy:

4 vehicles x 672,000 UZS = 2,688,000 UZS per year

The annual difference is 1,344,000 UZS. In return, the company can move drivers between vehicles more freely.

That is why a fleet decision should not be based on the premium alone. Start with the shift plan and the real driver roster:

• is the team stable, with no more than five drivers per vehicle? Named-driver policies reduce the cost;
• do employees change often or move between vehicles? Unlimited-driver policies simplify administration;
• are seasonal drivers involved? Include them in the potential roster too.

Claim history and the premium

The driver-list option is only one part of the calculation. Insurance claims recorded during the previous 12 months also matter. This is reflected in the bonus-malus coefficient, or KBM.

For example, if one insurance claim was recorded for a passenger car in Tashkent:

• named-driver policy: 192,000 × 1.3 = 249,600 UZS;
• unlimited-driver policy: 384,000 × 1.3 = 499,200 UZS.

The unlimited option remains twice as expensive in this calculation. KBM depends on insurance claim history, not driving experience.

Six questions before you buy

Answer these questions before taking out the policy:

1. Who will drive the vehicle over the next 12 months?
2. Will there be more than five drivers?
3. Will the roster stay fixed or change during the year?
4. Do company employees move between vehicles?
5. Were there any insurance claims during the previous 12 months?
6. What matters more: a lower price or the freedom to rotate drivers?

The rule is simple: a stable group of 1–5 drivers suits the named-driver policy, while a larger or changing group suits the unlimited option.

Adding a driver to an active policy

Already have a policy but need to add someone? Before buying a new document, check the procedure for changing the active policy. EUROASIA has a dedicated guide to adding a driver covering the application, documents and contact channels.

If the new driver takes the list beyond five people, the unlimited option is calculated instead. A specialist will confirm the exact additional payment after reviewing the documents.

The final choice

Not everyone needs an unlimited-driver policy. It doubles the premium but makes the roster easier to manage when many people share one car or the drivers change frequently. For the same 1–5 regular drivers, the named-driver option is usually more economical.

Review the E-OSAGO terms and compare both options in the calculator. You will see exactly how much the added flexibility costs.