A power of attorney is a document by which one person allows another to act on their behalf: sign documents, contact the insurer or receive a payout.
Imagine that Nodira is recovering from surgery and cannot visit the insurer herself. She asks her sister to deliver the claim documents and collect the decision. A verbal request may not be enough: the insurer needs proof that the sister is authorised to act for Nodira.
This is what a power of attorney does. It is written authority given by a person or organisation to a representative who will act before third parties. Article 134 of Uzbekistan’s Civil Code sets out this definition. The representative may do only what the document expressly allows.
Put simply:
A power of attorney is useful when the policyholder, insured person, property owner or payout recipient cannot attend in person. The reason may be ordinary: illness, a business trip, living in another city or a company assigning the work to an employee.
The document may allow a representative to:
Do not assume the last power. Authority to submit papers and authority to receive money are separate. If the document covers only filing a claim, the representative should not automatically control the payout or change the recipient’s bank details.
Article 135 of Uzbekistan’s Civil Code allows a power of attorney to be made in simple written or notarised form. Notarisation is required for transactions that themselves require a notarial form and in other cases specified by law.
This means that not every power of attorney used with an insurer must be notarised. The correct form depends on the requested action, the principal’s status and the rules that apply to the particular case. Delivering claim documents and disposing of property rights, for example, may require different forms.
Before the visit, ask the insurer:
One call can prevent a wasted trip. Different actions may carry different requirements, so there is no single document list for every insurer and every claim.
A useful power of attorney answers four questions: who gives the authority, who receives it, what the representative may do and how long the authority lasts.
Check:
“Represent my interests in all organisations” sounds broad, yet it may be unclear for a specific insurance action. It is safer to name the tasks: submit a claim, deliver documents, collect the decision or sign a request. Clear wording leaves less room for conflicting interpretations.
Under Article 139 of Uzbekistan’s Civil Code, a power of attorney may be issued for no more than three years. If it does not state a term, it remains valid for one year from the issue date. A document without an issue date is invalid.
Match the term to the actual insurance task. If the representative is needed for one visit, the document can say so. If they will manage the case until a decision, the term should cover the expected process while staying within the legal maximum.
Before filing, check that the term has not expired. The insurer may also confirm that the principal has not revoked the authority.
Businesses often assign employees to handle policies and losses. After damage to a warehouse, for example, a company representative may collect reports, submit evidence and answer questions under a property insurance claim.
Article 138 of Uzbekistan’s Civil Code says that the head of a legal entity signs a power of attorney issued by that entity. The entity’s seal is added if it has one. Some organisations may face extra rules for actions involving money or property, so the accountant or lawyer should check the form before sending the employee.
It also helps to name the employee’s position and the particular insurance matter: the policy, claim or event number, if known. This keeps the authority tied to a clear task.
A power of attorney does not replace the usual document checks. The insurer may request:
These checks protect both sides. The insurer should not disclose policy information to a stranger, and the principal needs the representative to stay within the assigned task.
For a broader view of how requests are handled, read EUROASIA’s article on insurance claims processing.
Authority to “manage an insurance matter” does not always include authority to receive money. If the representative must accept a payout, sign a receipt or name the account for transfer, state that power separately.
The document does not change the payout recipient by itself. The insurer first determines whether the event is covered, who is entitled under the contract and what loss has been documented. It then checks whether the representative may perform the requested action.
If the necessary power is missing, the insurer may accept the claim papers but ask the principal to confirm the bank details personally or issue a new power of attorney. This is not necessarily a claim denial; it is a question about the representative’s authority.
The representative normally performs the assigned actions personally. Article 140 of Uzbekistan’s Civil Code permits delegation when the power of attorney allows it or circumstances make it necessary to protect the principal’s interests. The delegated authority cannot last longer than the original document.
The principal may revoke a power of attorney at any time, and the representative may refuse it. It also ends when its term expires and in the other cases listed in Article 141 of the Code.
If the authority is revoked, the representative and the organisations where it was meant to be used should be notified promptly. For an insurance matter, tell the insurer directly instead of assuming the information will reach it another way.
No issue date. The power of attorney is invalid even if it contains a signature and validity period.
Authority is too vague. The representative comes to collect a payout, but the document permits only the submission of papers.
The term has expired. The claim package is correct, but the representative can no longer act under the old document.
The form was guessed. A person brings a simple scan when the requested action needs an original, certified copy or notarised form.
Representation is confused with assignment. The representative acts for the principal; the underlying right under the insurance contract does not automatically pass to them.
The authority is unnecessarily broad. The representative may amend the contract or control money even though the task is limited to one document package.
Nodira from Tashkent issued a power of attorney to her sister while recovering from surgery. It allowed the sister to submit the claim, deliver medical documents and collect the insurer’s written decision. She brought her identity document and the original power of attorney.
The insurer could accept the package and communicate with her within those powers. It could not transfer money to a new account on that wording alone because receiving the payout or changing bank details was not listed. Nodira confirmed the account separately.
Precision matters more than length. The power of attorney sets a boundary: the representative may perform the listed actions, and the insurer checks each request against that boundary.
A power of attorney is particularly useful for:
For a general introduction to protection types and contract participants, see the guide to insurance in Uzbekistan. Before issuing the document, still ask the insurer which form, powers and supporting papers apply to your particular action.
Nodira from Tashkent was recovering from surgery and could not visit the insurer. Her claim for medical expenses was UZS 8,000,000.
The power of attorney allowed her sister to file the claim, deliver the documents and collect the decision. The insurer checked her identity and authority, accepted the package and assessed the claim under the contract.
Aziz Logistics in Tashkent reported cargo damage of UZS 45,000,000. The company authorised an employee to correspond with the insurer and file documents.
The employee could manage the case but could not collect money or change bank details because those powers were not included. Any payout depended on cover, documented loss and separate confirmation from the recipient.
Bekzod from Andijan asked a relative to file documents for damage of UZS 6,500,000. The power of attorney had a signature and term but no issue date.
The insurer could not accept the relative as a representative: under Uzbekistan’s Civil Code, a power of attorney without an issue date is invalid. Bekzod had to execute a new document.
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