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    Car Insurance in Uzbekistan: OSAGO and KASKO Online by EUROASIA Insurance

    Buy OSAGO or KASKO policy in 5 minutes.

    Fast, reliable, profitable! Reliable protection of your car with EUROASIA Insurance. Online registration in 5 minutes, best prices and fast payouts.

    Best rates in Tashkent
    50,000+ Clients
    E-policy instantly to your email
    Personal Account
    24/7 Support
    In the Uzbek language
    Insurance claim payouts
    Within 15 days
    Insure car
    Car insurance

    Next-gen insurance for today's drivers

    • OSAGO

      Compulsory third-party liability insurance for vehicle owners (CTPL). Protects your liability to third parties in an accident.

      from 60,000 UZS

      Learn More
    • KASKO

      The policy covers your car repair costs regardless of who is at fault in the accident – you, another driver, or even if the culprit fled.

      from 650,000 UZS

      Learn More
    • Electric vehicle KASKO

      Electric vehicle insurance from EUROASIA - full coverage for your Tesla, BYD, Zeekr in Uzbekistan.

      from 650,000 UZS

      Learn More
    • Euro KASKO

      A unique insurance builder where you choose which parts of the car to insure and against which risks.

      Customizable Price

      Learn More
    • OSGOP

      OSGOP — Compulsory Carrier's Civil Liability Insurance. Get your policy online in 5 minutes. Coverage up to 44 million soums per passenger.

      from 40,000 soums/year

      Learn More

    Advantages of Car Insurance with EUROASIA Insurance

    • Quick Registration

      Get your insurance online in 5 minutes. No office visits or queues.

    • Competitive Prices

      Competitive rates and flexible pricing. Discounts for loyal customers.

    • Reliability

      25+ years in the market. International ratings and payment guarantees.

    • Mobile Application

      Manage your insurance, call for help, and submit claims through the app.

    • 24/7 Support

      Round-the-clock technical assistance and prompt claims settlement.

    • International Experience

      Part of an international holding with proven quality standards.

    OSAGO vs KASKO vs EURO KASKO: A Complete Comparison

    Understanding the differences will help you make the right decision to protect your vehicle

    🎯 Important! New OSAGO tariffs effective January 1, 2026

    Insurance coverage increased to 80 million soum. New tariffs provide better protection for all road users.

    OSAGO

    Current tariffs

    Full KASKO

    Voluntary

    Euro KASKO

    Constructor

    Main Purpose of Insurance

    What it protects
    Protects OTHERS from your liability
    Protects YOUR car completely
    Protects SELECTED parts of your car
    Who gets the payout
    To third parties affected by your actions
    To you (the car owner)
    To you (the car owner)
    Obligation
    Mandatory by law
    Voluntary
    Voluntary

    Cost and Conditions

    Cost per year
    160,000 - 384,000 soum
    • Tashkent: 192k - 384k • Regions: 160k - 320k
    1.3-2.2% of car's value
    Depends on car age
    0.2-3% of selected modules
    Flexible coverage choice
    Flexibility of choice
    Standard terms
    Only full coverage
    7 modules to choose from
    Savings
    Affordable, extended coverage
    Increased coverage up to 80M soum
    The most expensive, full protection
    Up to 70% savings vs Full KASKO

    Damage Coverage

    Damage to your car
    NOT covered
    Full coverage
    Selected parts
    If you are at fault
    Does NOT apply to you
    Full coverage
    Selected parts coverage
    Natural disasters
    NOT covered
    Full coverage
    Selected parts coverage
    Theft/Hijacking
    NOT covered
    Full coverage
    NOT covered*

    Replacement and Payout Conditions

    Replacement principle
    Compensation to third parties
    Usually with depreciation
    "New for old"
    Maximum payout
    80M soum to third parties
    • Up to 52M - health (65%)
    • Up to 28M - property (35%)
    Up to full car value
    Up to 100M soum for modules
    Deductible
    None
    Usually monetary 1-5%
    Only 3-day time deductible

    💡 Conclusion: Which insurance to choose?

    OSAGO - The Mandatory Minimum

    Mandatory for everyone. It only protects your liability to others, NOT your car.

    Recommended for: All car owners (mandatory)
    Current tariffs:
    Increased coverage to 80M soum

    Full KASKO - Maximum Protection

    The most expensive, but provides complete protection for the entire car. Suitable for new, expensive vehicles.

    Recommended for: Cars valued over $30,000

    EURO KASKO - Smart Savings

    Protect the most vulnerable parts for 70% less money. The perfect balance of price and protection.

    Recommended for: Most car owners

    How to Get Car Insurance Online

    1

    Calculate the Cost

    Choose the policy you're interested in. Enter your vehicle details and get an accurate quote in 30 seconds.

    2

    Fill Out the Application

    Enter your personal information and vehicle details. All fields are required to be filled out.

    3

    Pay Online

    Choose a convenient payment method: bank card, Click, or Payme.

    4

    Receive Your Policy

    The electronic insurance policy will be sent to your email within 5 minutes. You can get behind the wheel right away!

    What to Do in Case of an Insurance Claim

    1. Call Us
    Immediately after the incident, call 1147. Our operator will advise you on the next steps and dispatch an expert.
    2. File the Documents
    In case of a car accident, call the Traffic Police. For other incidents (hail, falling objects), take photos and videos of the damage.
    3. Damage Assessment
    Our expert will inspect the vehicle and prepare a report. If the damage amount is clear, a decision can be made based on photos.
    4. Receive Payout
    The money will be transferred to your card within 5 banking days after the report is signed. Alternatively, we can pay for the repairs directly to the service center.
      7 Mistakes When Applying for OSAGO and How to Avoid ThemJuly 14, 2025
      7 Mistakes When Applying for OSAGO and How to Avoid Them

      Compulsory Motor Third-Party Liability Insurance (OSAGO) is a vital element of road safety in Uzbekistan.

      Verify OSAGO: 3 Methods | Euroasia InsuranceJuly 14, 2025
      Verify OSAGO: 3 Methods | Euroasia Insurance

      Worried about fake OSAGO in Uzbekistan? Learn three proven ways to verify authenticity and confirm registration in the national database today. Verify now.

      OSAGO vs. KASKO in Uzbekistan: What to Choose and When?July 14, 2025
      OSAGO vs. KASKO in Uzbekistan: What to Choose and When?

      Buying a car in Uzbekistan? Learn the basics of OSAGO and KASKO—what they are, how they differ, and which policy fits your needs as a first-time owner.

      5 Reasons to Get Comprehensive Car Insurance (KASKO)July 14, 2025
      5 Reasons to Get Comprehensive Car Insurance (KASKO)

      In Uzbekistan, more and more car owners are thinking about additional protection for their vehicles. Unlike mandatory third-party liability insurance (OSAGO), KASKO is a voluntary insurance that protects the interests of the vehicle owner. So why should you consider getting a KASKO policy? Here are five key reasons.

    Frequently Asked Questions

    • Yes, OSAGO (compulsory third-party liability insurance) is mandatory for all vehicle owners according to the legislation of Uzbekistan. Failure to have a policy results in fines. KASKO is a voluntary type of insurance.

    • OSAGO protects your liability to third parties in an accident where you are at fault. KASKO protects your own vehicle from damage, theft, and other risks, regardless of your fault.

    • Yes! EUROASIA Insurance provides a full online registration cycle for all types of car insurance. You can calculate the cost, apply for, and pay for the policy from the comfort of your home in 5-10 minutes.

    • OSAGO starts from 40,000 UZS per year. KASKO starts from 1.3% per year depending on the car's value. Our Euro KASKO allows you to save up to 50% by choosing only the options you need.

    • Yes, all our policies are valid throughout the entire territory of the Republic of Uzbekistan. You can travel around the country with peace of mind, knowing you are protected everywhere.

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