Author: Euroasia Insurance Expert Team
On July 23, 2025, the Cabinet of Ministers adopted Resolution No. 458, which will fundamentally change the mandatory motor insurance system in Uzbekistan. Starting January 1, 2026, new MTPL (Motor Third Party Liability) insuran
ce tariffs will come into effect, based on actuarial calculations and market principles.
For car owners, this means significant changes in insurance costs.
Important news: at Euroasia Insurance, you can lock in current tariffs by selecting the policy start date in the calculator. Even if your policy is still valid, you can arrange a new one for a future date at today's prices.
Lock in current tariffs before changes!
Cabinet of Ministers Resolution No. 458 implements comprehensive measures for insurance market development, approved by the President in March 2024. The main changes concern MTPL financial parameters.
In regions, the policy cost will increase to 160,000 sums (from current ~40-50 thousand), and in Tashkent — to 192,000 sums (from ~56 thousand).
At the same time, insurance coverage doubles — from 40 to 80 million sums.
The changes are based on actuarial calculations — mathematical methods of risk assessment that determine the real cost of insurance protection under current economic conditions.
Current OSAGO tariffs have long failed to correspond to real risks. The maximum payout for property damage was only 14 million sums — critically insufficient for modern vehicles.
The increase is driven by rising vehicle repair costs, increasing prices for spare parts and materials, and inflationary processes in the economy. With multiple victims, the insurance amount was distributed proportionally, further reducing payouts. The new system eliminates these problems.
Don't wait for tariff increases — arrange OSAGO insurance in advance!
The government provides an interesting comparison: the average cost of car washing is 80-100 thousand sums. Annual insurance protection for 80 million costs only 1.5-2 car washes.
Monthly insurance cost will be 16,000 sums in Tashkent and 13,300 sums in regions. This is comparable to the cost of several liters of gasoline but provides protection against million-sum losses in accidents.
For an average family budget, this represents only 2-3% of income but protects against financial risks up to 80 million sums.
Plan your expenses wisely — lock in current tariffs!
Besides tariff changes, important improvements are being introduced:
Policy flexibility — now you can choose between limited policies (for specific drivers) and unlimited ones (for any drivers) with differentiated pricing.
Service improvement includes a unified automated system, electronic data exchange with government agencies, and a centralized billing system from April 2026.
Consumer protection provides a refined procedure for claim consideration, the possibility of filing complaints against insurers' actions, and increased service quality requirements.
Consumer protection includes a refined procedure for claim consideration, legal consultations from the Guarantee Fund, and professional adjuster services.
Euroasia Insurance offers a unique opportunity to avoid tariff increases — choosing the policy start date in the calculator.
Benefits of early arrangement: locking in current tariffs for the future, saving 100-136 thousand sums per policy, family budget planning capability, and protection from further changes.
How it works: visit the calculator at eai.uz, calculate the cost at current tariffs, choose any start date before January 1, 2026, pay at today's prices, and receive a policy that will start on the selected date.
Even with an active policy, you can arrange the next one for a future date.
Take advantage of this unique savings opportunity!
For companies with vehicle fleets, the changes are particularly significant. A fleet of 10 vehicles will require additional expenses of 1.1-1.4 million sums per year, and 50 vehicles — 5.5-7.1 million sums.
Euroasia Insurance offers corporate clients personal managers for fleet work, flexible payment terms and installments, centralized policy management, and mass arrangement possibilities for future dates.
In the context of tariff policy changes, choosing a reliable insurer becomes critically important.
Reliability is confirmed by Moody's international B2 rating, 25+ years of stable operation in Uzbekistan, and financial stability under any market conditions.
Technological leadership includes pioneering the implementation of policy start date selection, readiness for integration with the future Unified Billing System, and compliance with all new standards.
Service quality is ensured by 24/7 support without weekends, fast claim settlement, transparent terms without hidden fees, and professional consultations on new rules.
If you have an active policy: check the expiration date. If it expires after January 1, 2026 — you're protected; if earlier — arrange a new one with date selection.
For budget planning, factor new tariffs into 2026 plans, consider early arrangement possibilities, and study limited/unlimited policy options.
Corporate clients are recommended to review auto insurance budgets, consider mass arrangement before changes, and contact a personal manager for consultation.
The 2026 changes are part of a large-scale reform of Uzbekistan's insurance market. Further technological innovations are planned: a unified automated system from April 2026, electronic document flow with government agencies, a centralized billing system, and integration with international standards.
Quality improvement includes professional adjuster services, enhanced settlement procedures, expanded consultation services, and consumer protection at a new level.
Changes in the OSAGO system from January 1, 2026, are inevitable and justified by economic realities. New tariffs of 160-192 thousand sums will provide adequate insurance protection for 80 million sums.
Car owners have a unique opportunity to lock in current tariffs by using Euroasia Insurance's policy start date selection service.
Key benefits of early arrangement: saving 100-136 thousand sums per policy, protection from further tariff changes, budget planning capability, and receiving services from a reliable insurer with international rating.
Time for decision-making is limited — until January 1, 2026. Don't miss the opportunity to save and ensure reliable insurance protection.
Make an informed decision today — calculate and arrange →
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