English
Protection for your vehicle
KASKO concerns damage to your own vehicle and can help reduce the cost of restoring it.
Comprehensive car protection with SIMPLE, LITE, SMART and DELUXE programs
The insured amount is based on the car value, and coverage depends on the selected program. Apply online: enter your details, complete a 360° video inspection, and receive your electronic policy after payment.
Calculate the price and arrange KASKO online. To confirm your vehicle, record a 360° video in the EAI app. After the video is approved and payment is made, you will receive an electronic policy.
KASKO is voluntary comprehensive vehicle insurance. It can compensate for losses from insured events within the selected plan and insured amount.
KASKO concerns damage to your own vehicle and can help reduce the cost of restoring it.
Covered risks, additional services and limits are determined by the selected insurance plan.
The insured amount is calculated from the vehicle's insured value on the policy issue date.
Learn more about KASKO: it protects the vehicle itself. Motor third-party liability (OSAGO) concerns damage a driver may cause to other road users.
Depending on the selected plan, insurance may include accidents, theft, fire, external impacts, natural disasters, third-party actions and additional services. The exact risks and limits are set out in the Offer.
Terms and limits under the KASKO Rules (approved 27.01.2026)
up to UZS 500m: 1.0%
above UZS 500m: 1.2%
Includes:
up to UZS 500m: 1.3%
above UZS 500m: 1.5%
Everything in SIMPLE, plus:
up to UZS 500m: 1.5%
above UZS 500m: 1.7%
Everything in LITE, plus:
up to UZS 500m: 2.2%
above UZS 500m: 2.5%
Everything in SMART, with higher limits:
Rates are annual: the first applies to cars worth up to UZS 500m, the second to cars worth more than UZS 500m.
A clear path from your application to an electronic policy.
Choose a plan and provide the policyholder and vehicle details.
After the video inspection is approved, pay for the policy and receive it electronically.
The video inspection must be approved before payment.
Start calculationInsurance claims
Three real cases from 2025: what happened, what the policy cost, and how much the customer received.
The customer failed to give way when exiting a secondary road. The hood, headlamp, radiator grille, reinforcement bar, and lower bumper section were damaged.
The driver of an oncoming vehicle broke the rules. The hood, headlamps, bumper, radiator panel, right fender, and other front-end parts of the BYD were damaged.
When leaving a residential complex, the customer hit a metal barrier. The bumper, headlamp, screen, and bumper bracket were damaged.
Amounts are taken from settled insurance claims. The payout depends on the terms of the specific policy and the circumstances of the incident.
Exclusive privileges for KASKO policyholders
Your club card is the key to a world of comfort and confidence behind the wheel.
We provide a wide range of insurance services across 17 classes in the General Insurance industry, in both voluntary and compulsory forms, ensuring reliable and personalized support for everyone.
We are proud to protect the lives, health, and future of every family, creating a reliable backbone for our clients. This trust is the foundation of our work and a stimulus for continuous development.
Our company is proud of the reliability and scale of our support: the total amount of payouts for insurance claims has exceeded 15 million dollars, guaranteeing protection and confidence for every client.
No accident, no police report — how to file a KASKO claim for theft, vandalism, hail or fire in Uzbekistan: which authority, which documents, when you get paid.
Calculate the full cost of a new car in Uzbekistan 2025: customs clearance, recycling fees, VAT + KASKO insurance. Get 25% discount on all tariffs until Dec 31!
Ahead of OSAGO tariff changes on January 1, 2026, Euroasia Insurance offers EUROKASKO — ready-made extended protection you can get today without waiting.
Auto loans dominate car purchases in Uzbekistan, but mandatory KASKO adds hidden costs. 15+ banks at 16.99%–31.5% often require expensive partner policies.
No, KASKO is voluntary insurance, but it significantly reduces the financial risks for a vehicle owner in case of an accident.
KASKO is protection for YOUR vehicle from any damage!
Sometimes you can do without them, but only under the SMART and DELUXE plans. They include the service "Payment without registration with the Road Safety Department in the event of an accident involving an insured vehicle": it covers minor damage caused to your car alone, without third parties, fire or explosion. The limit is up to 7% of the sum insured under SMART and up to 10% under DELUXE, once per insurance period. You will need photo and video evidence of the damage taken at the scene and a damage assessment by a licensed appraisal organization. The SIMPLE and LITE plans do not include this service, so documents from the Road Safety Department (UBDD) are required.
The rate depends on the plan you choose, the sum insured and the insurance period. The sum insured is based on the value of the car on the date the policy is issued. Annual rates for a car worth up to 500 million UZS: SIMPLE — 1.0%, LITE — 1.3%, SMART — 1.5%, DELUXE — 2.2%. If the car is worth more than 500 million UZS — 1.2%, 1.5%, 1.7% and 2.5% respectively. The driver’s age and driving experience do not affect the rate: the price is based on the value of the car and the set of risks in the chosen plan.
Our KASKO programs are valid throughout Uzbekistan. If an insured event occurs outside of Tashkent, the procedure remains the same: you need to document the circumstances of the incident, obtain the necessary documents from the relevant authorities, and contact our company via the hotline. Our specialists will provide you with detailed advice on further actions and help arrange the claim settlement remotely.
Yes, KASKO is issued for cars of different ages. The sum insured is based on the value of the car on the date the policy is issued, and the rate depends on the chosen plan and the insurance period. Every car goes through a 360° video inspection in the EAI app: the policy is issued once a responsible employee approves the video inspection and the premium is paid. If the video inspection is not approved, you can repeat it within three calendar days.
If your policy is SMART or DELUXE, the service "Payment without registration with the Road Safety Department in the event of an accident involving an insured vehicle" applies. It covers minor damage caused to your car alone, without third parties, fire or explosion. The limit is up to 7% of the sum insured under SMART and up to 10% under DELUXE, once per insurance period. You will need an application, real-time photo and video evidence of the damage from the scene, and a damage assessment by a licensed appraisal organization. The SIMPLE and LITE plans do not include this service: in case of a road accident, contact the Road Safety Department and collect the documents as usual.
Write us your question, and we will get back to you shortly