OSAGO Tashkent 2026: New Tariffs, 80M UZS Limit & How to Save

OSAGO 2026: Doubling Liability to 80 Million Soums and New Tariff Calculation in Uzbekistan Legislation

Introduction: OSAGO 2.0 — The Era of 80 Million Soums Liability

2026 will mark a critical stage in the development of the compulsory motor third party liability insurance (OSAGO) market in Uzbekistan. This is not just a price increase, but a fundamental transformation of the system aimed at enhancing real financial protection for vehicle owners and promoting digital transparency.

For Tashkent residents, especially business owners and owners of mid-range and premium vehicles (such as Chevrolet Malibu or new BYD/Chery models), a reliable OSAGO policy becomes a tangible risk management tool. We, Euroasia Insurance, are ready for these changes. With 25 years of experience, Moody's international rating, and payouts exceeding $15 million, we guarantee the financial stability that is critically important under increasing liability limits.

Key change: Doubling the maximum OSAGO insurance amount to 80 million soums.

Don't postpone protection! Find out how much your policy costs at current rates (before they increase in 2026).
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Main Change 2026: Doubling the Limit to 80,000,000 Soums

Doubling the OSAGO liability limit is a response to real economic market needs. The previous limit of 40 million soums ceased to cover the costs of serious repairs to modern vehicles, often forcing the at-fault party to pay the difference to the injured party out of pocket.

Practical Protection: 80 Million Soums in Tashkent

The new limit of 80 million soums significantly reduces risks for most vehicle owners and business owners.

For comparison: In the old system, only 14 million soums were allocated for property damage repair; in the new system, 28 million soums will be allocated.

Attention: Despite significant growth, 80 million soums may be insufficient in case of an accident involving expensive imported vehicles (e.g., Toyota Camry) or a collision involving multiple vehicles. Owners of premium cars seeking complete protection should consider additional coverage.

Protect your vehicle 360°! See how EURO KASKO with a limit of up to 100 million soums will complement mandatory insurance.

Impact on Policy Cost (Tariff Forecasts)

Increasing the maximum risk borne by the insurer (from 40 million to 80 million soums) will logically lead to an increase in base OSAGO tariffs from January 1, 2026.

• For corporate clients: A fleet of 10 vehicles will require additional annual expenses of 1.1–1.4 million soums.

We offer corporate clients personal managers, centralized policy management, and bulk registration capabilities to prepare for tariff increases.

OSAGO Calculation Methodology in Uzbekistan: Transparency and Law

The cost of a OSAGO policy in Uzbekistan is strictly regulated by legislation (Cabinet of Ministers Resolutions) and is the same for all insurance companies. The price is based on a formula that takes into account the base tariff and mandatory adjustment coefficients.

Base Tariffs and Territory Coefficient

Tashkent has traditionally been a high-risk zone, which is reflected in a higher base tariff determined by the Territory Coefficient:

Important: When issuing a policy without limiting the number of drivers, you must pay double the stated base tariffs.

Bonus-Malus Coefficient

The Bonus-Malus Coefficient directly links the policy cost to your driving history. Accident-free driving reduces the coefficient, giving you a well-deserved discount.

• From April 1, 2026, the Unified Insurance Billing System (UIBS) will be implemented. It will create a unified database of all insurance claims, ensuring fair and correct calculation of your Bonus-Malus coefficient regardless of where you were previously insured.

Choosing an Insurer in Tashkent: Reliability Criteria in 2026

With the doubling of the limit to 80 million soums, financial stability and payout speed become decisive factors.

Euroasia Insurance (EAI) is a reliable choice, confirmed by:

1. Moody's international rating and ISO 9001:2015 quality certification.

2. 25 years of experience and payouts exceeding $15 million.

3. Statistics: 99.7% KASKO payouts.

Digital Excellence: Your Time is Priceless

Forget about queues! We offer online OSAGO registration in Tashkent in just 2 minutes, which is twice as fast as the average application completion time on other portals.

Don't waste time traveling to the office! Download our mobile app and register OSAGO instantly, right from your smartphone.

EAI Mobile Application — Your Digital Assistant:

• Renewal notifications: The system will automatically remind you of the policy expiration date so you don't get fined.

• 24/7 Emergency Assistance: Quick tow truck call by geolocation and technical assistance in critical situations.

• Telegram chat support: Communication with an operator is available around the clock.

Practical Guide to Accidents: Settlement Without Headaches

European Protocol in Uzbekistan: Saving 30 Minutes of Your Time

The European Protocol is a simplified accident registration without mandatory traffic police involvement. It saves time and allows you to quickly resolve the issue on the road.

Conditions for using the European Protocol:

1. Exactly 2 vehicles were involved in the accident.

2. Both drivers have valid OSAGO.

3. There are no injuries or damage to third-party property.

4. Drivers agree on the circumstances of the accident.

Digital Settlement with EAI:

Your electronic policy is always on your phone. In case of an accident, you immediately contact 24/7 chat support, receiving step-by-step consultation. This ensures a prompt start to the claims settlement process.

360° Protection Strategy: When OSAGO Is Not Enough

OSAGO only protects the property and health of the injured party. But even the new limit of 80 million soums may be insufficient, and the at-fault party will have to pay the difference out of pocket.

Solution for the Pragmatic Client: EURO KASKO from EAI

Our solution — EURO KASKO — is a flexible modular insurance constructor. It allows you to independently choose which parts of the vehicle to protect (for example, only headlights, glass, or bumper), and save up to 70% of the cost of full KASKO.

• Payout limit up to 100 million soums — the perfect addition that insures you against additional payments, even if 80 million UZS under OSAGO was not enough.

Don't rely on luck. Protect your vehicle from scratches, vandalism, and even your own mistakes!

Summary and Your Final Checklist

2026 brings more reliable protection (80 million soums), but also higher tariffs. Choosing Euroasia Insurance is choosing reliability confirmed by Moody's rating and maximum speed.

Your Successful Vehicle Owner Checklist for 2026:

1. Assess the risk: Supplement mandatory OSAGO with voluntary coverage (EURO KASKO) if your vehicle is expensive.

2. Register OSAGO: Do it in 2 minutes through the EAI mobile app to guarantee instant system registration.

3. Get privileges: Download the app to always have your policy at hand, receive notifications, and 24/7 technical assistance.

Ready for 2026 protection? Register your OSAGO policy online right now and get reliable protection that values your time!
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