Natural Disaster Insurance protects property against major natural events such as earthquakes, floods, mudflows, hail, strong wind or landslides.
Natural disaster insurance protects property against the consequences of natural events listed in the contract. Coverage may include earthquake, flood, mudflow, landslide, hail, strong wind, lightning and other specified risks.
In simple terms:
The programme name is less important than the exact risk list. If a natural event is not stated in the policy, damage caused by it may fall outside the coverage.
A natural disaster is an event not caused by a person that may seriously harm people or property. An insurance contract may list:
Each risk must be found in the policy wording. One contract may include earthquake and hail, while another covers fire and only selected natural events. The glossary entry on earthquake explains the seismic risk further.
For an individual, the insured property may be an apartment or house. For a business, it may include an office, shop, warehouse, production premises, equipment, furniture, machinery, raw materials, finished products or stock.
The objects must be identified in the policy. Insuring a building alone does not answer whether the goods and equipment inside are included: the contract determines the scope of protection.
Protection against natural risks is usually part of broader property insurance. Both the insured objects and the covered events should therefore be checked before purchase.
Property insurance may cover fire, water damage, theft, property damage and other events. Natural risks are not always included automatically.
For example:
General wording such as “property” or “natural disaster” is not enough. The outcome depends on the terms of the specific contract.
If the event is covered, the policy may provide for repair or restoration of:
If the property is a total loss, the calculation differs from an ordinary repair. In every case, the sum insured, verified damage, deductible, documents and other policy terms are taken into account.
Available protection options are described on the Property Insurance page.
Even a policy that includes natural risks does not cover every situation without conditions. The existing glossary text lists circumstances that may be excluded or restricted:
Insurance does not replace building maintenance, roof repairs or structural reinforcement. It addresses the consequences of a natural event covered by the contract.
Before signing, review:
This review shows the difference between the protection the owner expects and what the policy actually provides.
The owner reports the event to the insurer and records the damage. Depending on the contract, photographs, proof of ownership, reports or certificates may be required.
The insurer then:
If the policy requires an inspection first, major repairs should not begin before the insurer’s representative arrives. Otherwise, proving the original extent of damage may become more difficult.
Insured risk — the specific event against which the policy provides protection.
Insured event — an event provided for in the contract that may give rise to compensation once confirmed.
Sum insured — the limit within which insurance protection operates.
Deductible — the portion of a loss taken into account when a payment is calculated. In the original example, if the loss is 50 million soums and the deductible is 5 million soums, the calculation reflects that amount.
Exclusions — situations to which the coverage does not apply.
Total loss of property — destruction or damage so severe that ordinary restoration is impossible or no longer makes sense.
The term is relevant to owners of apartments and houses, shops, offices and warehouses, as well as businesses with equipment or stock. Coverage deserves particular attention where property is exposed to earthquake, mudflow, flooding, strong wind or hail.
The practical question is whether the owner could pay for repair or restoration after a major natural event. A policy cannot prevent the disaster, but it may help with the financial consequences when the relevant risk is included.
Farrukh from the Tashkent region owns a small warehouse holding goods worth 380 million soums. After heavy rain and a mudflow, the site was flooded: water damaged goods, wooden shelves and part of the electrical system. The preliminary loss was 95 million soums.
Farrukh’s policy expressly includes mudflow and flooding. He notified the insurer, photographed the damage, kept the documents for the goods and waited for an inspection.
The insurer then checks:
Once the insured event is confirmed, compensation is calculated. If the relevant risks had not been included, having a general property policy alone would not guarantee a payment.
Farrukh from the Tashkent region stored goods worth 380 million soums in a small warehouse. After heavy rain and a mudflow, water damaged the goods, wooden shelves and part of the electrical system; the preliminary loss was 95 million soums.
Mudflow and flooding were included in the policy. Farrukh notified the insurer, recorded the damage, kept the documents for the goods and waited for an inspection; the claim and compensation are then reviewed under the contract.
Shakhnoza from Samarkand insured her private house. In summer, hail damaged part of the roof and gutters, and repairs were estimated at about 42 million soums.
Hail was covered, but the policy contained a deductible and a limit for individual roof elements. The payment therefore covered only the portion of repairs provided for by the terms.
Bekzod from Andijan had not arranged natural disaster insurance for his shop. Strong wind damaged the sign, part of the facade and the entrance door; the loss was about 28 million soums.
There was no policy, so the insurer could not cover restoration. Bekzod paid for the repairs himself and then considered protecting the property against natural risks.
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 your responsibility to other people if, because of your actions on the road, their car, property, health, or life is harmed. Put simply, it is a rule for situations where a driving mistake leads to someone else’s loss. The main idea is simple: this responsibility exists so that the injured party is not left without compensation, and the driver at fault does not have to handle everything alone out of pocket.
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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