This is the everyday name for an OSAGO policy without a limit on the number of drivers, so the car is not tied to a short pre-listed set of people.
An open or unlimited-driver policy is the everyday name for OSAGO without a limited pre-listed set of drivers. Different people may drive the car if they have a lawful right to do so and meet the other requirements.
Put simply:
“Unlimited” refers to the number of drivers, not to the amount, territory or list of insured events.
The current offer distinguishes limited and unlimited vehicle use. Limited use identifies a particular group of drivers; unlimited use has no pre-set limit on their number.
It does not mean literally anyone may drive. A driver still needs:
The policy does not remove the owner’s and driver’s ordinary duties.
The main difference is how permitted drivers are recorded. Limited use suits a known group that rarely changes.
Unlimited use may be convenient when:
The choice affects setup and premium calculation, but current pricing must come from the live calculator.
OSAGO protects civil liability to third parties, not the insured car itself.
Unlimited use changes the driver arrangement, not the product’s purpose. It still:
Damage to the responsible driver’s own car is not automatically covered.
The name is often understood too broadly. Only the number of drivers is unlimited.
The policy does not provide:
All other parameters come from the current contract.
This option may help when several people lawfully use the vehicle and the list is difficult to keep current.
Typical situations include:
If one person nearly always drives, limited use may be simpler. Choose based on actual use.
Before payment, confirm the selected use mode.
Check:
Do not rely on an old price or screenshot because rates and calculations may change.
Unlimited use does not mean an application without information. The electronic policy still needs applicant and vehicle data from the offer and form.
Enter correctly:
Correct errors before payment and report later changes according to the contract.
After an accident, the participant gives other parties the policy details and contacts the insurer under the policy procedure.
The insurer checks:
An unlimited driver list does not remove the event review.
If civil liability is an insured event, the victim’s claim is reviewed from documents and contract terms. An insurance payment compensates proven harm within the insured sum.
The decision depends on:
Unlimited-driver status alone does not guarantee payment.
Some owners think an open policy allows them to hand over the car without checks.
It is wrong to:
Explain the accident procedure to everyone who uses the car.
Open policy means OSAGO without a limited driver list.
Permitted driver is a person who lawfully operates the car.
Policyholder is the person who concludes the contract.
Victim is the person who suffers harm.
Insured sum is the policy limit of the insurer’s liability.
Aziz from Tashkent bought an unlimited policy for a family car shared by him, his wife and adult brother. Each driver had a lawful right to drive and the documents were in order.
When Aziz’s brother had an accident, the insurer checked his driving right, the circumstances and the active contract. His absence from a separate list was not a problem, but all other conditions still applied.
You can check the exact price for your own parameters — region, vehicle type, number of drivers and term — in the OSAGO calculator, with no plate number or personal data.
Aziz from Tashkent bought an unlimited policy for a car lawfully driven by him, his wife and adult brother.
No short list was required. After an accident, the insurer still checked the driver’s right, circumstances and contract terms.
Nodira’s company in Samarkand has a company car used in shifts by different employees with driving rights.
Unlimited use simplified driver-list administration, while the company continued checking documents and vehicle-use rules.
Bekzod from Andijan wanted to give his car to a friend without the required driving right, referring to the open policy.
No driver limit does not remove legal requirements. The car must not be handed to a person without a lawful right to drive.
This is a road incident in which harm was caused to people, vehicles, roads, structures, or other property.
This is a simplified procedure for recording a traffic accident without calling traffic police, when the drivers themselves document the circumstances for insurance settlement.
KASKO is insurance that protects not someone else’s car, but your own. Put very simply, it is like a financial safety cushion for your vehicle: if there is an accident, a broken window, parking damage, a fallen tree, or even theft, the insurance company can take on part of the big expenses. The main idea is simple: KASKO helps you avoid facing major car-related costs alone.
Motor Third-Party Liability is an obligation to compensate for harm caused to other people or their property through the use of a vehicle. Who is responsible for the harm is determined by law and the circumstances of the incident.
Insurance for a car loan is protection connected not just with the car itself, but with buying that car on credit. Put very simply, the bank gives money for the vehicle and wants to be sure that both the car and the repayment process remain protected. That is why insurance often comes together with a car loan: it helps reduce risks both for the bank and for the borrower if something serious happens to the car.
This is a modular car insurance product in which the vehicle owner chooses which parts of the car and which risks to insure.
Our experts will help you choose the best insurance coverage
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