Is car insurance mandatory in Uzbekistan?

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.

What is the difference between OSAGO and KASKO?

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.

Can I get insurance online?

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.

How much does car insurance cost in Uzbekistan?

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.

Is my insurance valid throughout Uzbekistan?

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.

OSAGO is compulsory third-party liability insurance that covers damage caused to third parties.

How to get OSAGO online?

Select OSAGO, fill in your details, and pay for the policy — all online in 5 minutes.

What does an OSAGO policy cover?

OSAGO covers damage to the life, health, and property of third parties in an accident where you are at fault. The maximum payout amount is 80 million UZS (65% for harm to life and health, 35% for property).

What if I don't have an OSAGO policy?

Driving without OSAGO is punishable by a fine. Get a policy right now online on our website in 5 minutes. We will process your application instantly, and you will receive an electronic policy.

Can I add other drivers to my OSAGO policy?

Yes, you can include an unlimited number of drivers in the policy, specifying their relationship. The cost of the policy will increase depending on the number of drivers.

What to do in case of an accident with an OSAGO policy?

Call our 24/7 support service immediately.

What does KASKO cover?

KASKO covers damage, theft, natural disasters, and other risks related to your vehicle.

Is it worth buying KASKO?

KASKO is especially important for new and expensive cars, young drivers, or when driving in high-risk conditions. It protects your specific vehicle from any damage.

What does full KASKO include?

Our KASKO covers: accidents, theft, fire, explosion, natural disasters, vandalism, falling objects, glass damage. Plus additional services: towing, roadside assistance.

Can I insure a used car?

Yes, we insure cars of any age. The cost is calculated individually based on the market value of the car and the selected risks.

Does KASKO cover hail damage?

Yes, our KASKO includes protection against natural disasters, including hail, heavy rain, wind, and earthquakes. You will receive full compensation for the damage.

It is a unique insurance builder where you choose which parts of the car to insure and against which risks. You pay only for the options you need, saving up to 50%.

Can I insure only the front part of the car?

Yes! With Euro KASKO, you can choose to insure individual parts: front/rear bumper, doors, roof, glass, engine. Flexible pricing to suit your needs.

How does payment work for Euro KASKO?

Each option has its own cost. You choose the ones you need and pay only for them. For example: front part 25,000 UZS, side parts 35,000 UZS, theft protection 80,000 UZS.

Can I change the Euro KASKO package during the year?

Yes, when renewing the policy, you can change the set of options. During the term of an active contract, changes are possible with an additional payment proportional to the remaining term.

Is Euro KASKO suitable for old cars?

Perfectly! For old cars, you can choose only the most important options: for example, protection against theft and engine damage, without overpaying for bodywork.

Online Car Insurance in Uzbekistan | OSAGO from 60,000 UZS | KASKO

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)

Obligation

Mandatory by law

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.

KASKO in action: real cases of our clients

At EUROASIA Insurance, we believe that the best way to demonstrate the reliability of an insurance policy is to show it in action.

EURO KASKO

Collision at an intersection

BYD SONG PRO

August 2025

Tashkent

Our client, driving out from a secondary road, failed to yield and caused a collision. Damaged: hood, left headlight, radiator grille, reinforcement, and lower part of the bumper.

Policy cost

1 135 000 UZS

Payout

20 000 000 UZS

Comment from EUROASIA Insurance expert

This is a classic example where a KASKO policy protects you, even if you are at fault in the accident. The client had a "Euro KASKO" constructor policy costing 1,135,000 UZS, under which he insured the front part of the car. Although the payout did not cover 100% of the damage (total damage ~28 million UZS), it made up the main part — 20 million UZS. This is 17.6 times more than the cost of the policy itself! The client waited for the court decision and provided a full package of documents.

What to do in such a situation:

✓

Admit liability

Official registration is the key to a quick payout.

✓

Complete all procedures

Obtain the Traffic Police protocol and court decision.

✓

Contact us

Submit an application to the insurance company.

KASKO

Small but expensive accident

BYD YUAN UP

October 2025

Tashkent

The driver of an oncoming Lacetti violated the rules and collided with our client's car. Extensive damage to the front part: hood, headlights, bumper, radiator panel, right fender, and other elements.

Policy cost

3 065 000 UZS

Payout

41 559 765 UZS

Comment from EUROASIA Insurance expert

This case clearly demonstrates the value of full insurance coverage for serious damage. Thanks to the "KASKO SMART" policy costing 3,065,000 UZS, our client received a payout 13.6 times greater than the policy cost — 41,559,765 UZS. The policy covered absolutely all repair costs, including the cost of damage assessment (800,000 UZS). The client did not have to wait for payments from the insurance company of the at-fault party and waste time on court proceedings.

What to do in such a situation:

✓

Do not panic in case of major damage

KASKO protects you in expensive cases.

✓

Keep all receipts

Confirm damage assessment expenses.

✓

Follow the algorithm

Official recording and timely notification.

KASKO

Collision with an obstacle

LIXIANG L9

November 2025

Chirchik

While exiting a residential complex, the client hit a metal fence. Damaged: front bumper, front left headlight, screen, and bumper bracket.

Policy cost

10 710 025 UZS

Payout

21 151 200 UZS

Comment from EUROASIA Insurance expert

Many car owners mistakenly believe that insurance only works in a collision with another car. This case proves otherwise. The "KASKO SMART" policy costing 10,710,025 UZS covers such risks as well. The payout amounted to 21,151,200 UZS — almost 2 times more than the policy cost. The client did not leave the scene and called a Traffic Police inspector to draw up a report, which allowed us to make the payment promptly.