OSAGO vs. KASKO in Uzbekistan: What to Choose and When?

When purchasing a vehicle—especially for the first time—every car owner faces the question of insurance. In Uzbekistan, the two most well-known types of vehicle insurance are OSAGO and KASKO. But what’s the fundamental difference between them, and which one do you actually need? Understanding how they differ will help you make the right decision and ensure reliable financial protection.

OSAGO (Compulsory Insurance): Mandatory Protection of Your Liability

What is it?

OSAGO is the compulsory insurance of civil liability for vehicle owners. It is a legal requirement for all vehicles operated in Uzbekistan.

What does it cover?

OSAGO does not insure your car—it insures your liability toward third parties. If you cause an accident, your insurance company will compensate the victim for damages to their vehicle, health, or property.

Payout limits:

The payout amounts under OSAGO are strictly regulated by law.

As of 2025, the total coverage is 40 million UZS, including:

  • up to 14 million UZS for property damage (e.g. repairs to the other party’s car),

  • up to 26 million UZS for bodily injury or death.

Cost:

The OSAGO policy price is set by government tariffs and depends on vehicle type, region of registration, engine power, and the driver’s age and experience. OSAGO can be purchased online at a relatively low cost.

Requirement:

OSAGO is mandatory by law. Driving without it results in fines.

KASKO: Voluntary Protection for Your Vehicle

What is it?

KASKO is a voluntary form of car insurance. You are not required by law to have it (except when your car is financed through a loan, in which case banks typically require KASKO).

What does it cover?

KASKO protects your own car from a wide range of risks. A standard KASKO policy usually covers:

  • Damage:

    From traffic accidents (even if you’re at fault), natural disasters (hail, storms, floods), fire, falling objects, or vandalism.

  • Theft:

    Full loss of the vehicle due to theft or hijacking.

Payout limits:

The insured amount under KASKO is typically equal to your car’s market value at the time the contract is signed. In case of total loss or theft, you receive a payout close to the car’s value (minus depreciation and any deductible).

Cost:

KASKO is significantly more expensive than OSAGO. Pricing depends on:

  • the car’s make, model, year, and market value,

  • selected risk coverage,

  • deductible size,

  • presence of anti-theft systems,

  • the insurer’s own pricing structure.

Requirement:

Not mandatory by law, but strongly recommended for new or expensive vehicles.

Key Differences (Comparison Table)

Criteria

OSAGO (Compulsory)

CASCO (Voluntary)

Requirement

Mandatory by law

Optional (except for financed cars)

Insurance object

Driver’s liability to third parties

The insured vehicle itself

Covered risks

Damage to third-party property or health

Damage to your car (accidents, natural events, theft, vandalism)

Payout if you’re at fault

Payout to the injured third party

Payout to you, even if you’re at fault (depending on the policy)

Payout limit

Capped by law (40 million UZS)

Market value of the car (minus depreciation/deductible)

Cost

Relatively low; regulated by the government

Higher; depends on vehicle and policy details

What Should You Choose: OSAGO, KASKO, or Both?

OSAGO is essential for everyone.

Without it, you are not legally allowed to drive your vehicle.

KASKO is recommended if:

  • You own a new or high-value vehicle,

  • Your car is purchased on credit,

  • You’re a new driver with limited experience,

  • You often park in unsecured areas,

  • You want maximum financial protection against a wide range of risks.

Conclusion:

OSAGO and KASKO are not substitutes — they are complementary.

  • OSAGO protects your finances from third-party claims.

  • KASKO protects your own vehicle from damage or theft.

For maximum peace of mind—especially if you own a new or valuable car—it is best to have both policies.

Before buying auto insurance, assess your risks and financial capacity, review offers from different insurers (check ratings and terms), and choose the optimal car insurance plan for your needs—whether in Tashkent or elsewhere in Uzbekistan.

Recommended for reading

    KASKO Additional Services: More Than Just Insurance
    KASKO Additional Services: More Than Just Insurance

    We continue our series of articles about KASKO benefits in Uzbekistan. In the first article, we provided a general overview, in the second we discussed comprehensive protection, and in the third – quick payouts. Today we'll talk about pleasant and useful bonuses – additional services that transform a KASKO policy from simple insurance into a real roadside assistant.

    KASKO Online: Simple and Convenient Insurance at Your Fingertips
    KASKO Online: Simple and Convenient Insurance at Your Fingertips

    We're concluding our series of articles about the benefits of KASKO in Uzbekistan. We've already discussed comprehensive protection, quick payouts, additional services, and the special importance of the policy for beginners and luxury car owners. Today we'll tell you about the fifth reason to choose KASKO – the amazing simplicity and convenience of arranging it online.

    Fast Payouts and Minimal Restrictions: Advantages of Modern KASKO Insurance
    Fast Payouts and Minimal Restrictions: Advantages of Modern KASKO Insurance

    In the first article of our series, we outlined 5 key reasons to get KASKO coverage, and in the second, we explored in detail the comprehensive protection this policy provides. Today, we'll discuss an equally important advantage – the speed and reliability of insurance payouts.

    Comprehensive Vehicle Protection: What KASKO Covers in Uzbekistan
    Comprehensive Vehicle Protection: What KASKO Covers in Uzbekistan

    In our previous article, we examined 5 key reasons why you should get KASKO for your vehicle. Today, we'll focus in detail on the first and most important reason – the comprehensive protection that this type of insurance provides.