English
Protection for your vehicle
KASKO concerns damage to your own vehicle and can help reduce the cost of restoring it.
KASKO calculator
Your car is covered even if the accident is your fault. From 1% of its value a year.
- Calculation
- Tiers
- Vehicle details
- Owner
- Applicant
- Confirmation
- Video Verification
- Payment
KASKO Online in Uzbekistan
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.
4 protection programs
Annual rate from 1.0%
Accidents, theft and damage
Video inspection and e-policy
KASKO IN THE APP
Complete your vehicle video inspection in the app
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.
ABOUT KASKO
What is KASKO?
KASKO is voluntary comprehensive vehicle insurance. It can compensate for losses from insured events within the selected plan and insured amount.
Terms depend on the plan
Covered risks, additional services and limits are determined by the selected insurance plan.
Amount follows vehicle value
The insured amount is calculated from the vehicle's insured value on the policy issue date.
KASKO and OSAGO serve different purposes
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.
Choose your protection plan
Terms and limits under the KASKO Rules (approved 27.01.2026)
SIMPLE
up to UZS 500m: 1.0%
above UZS 500m: 1.2%
Includes:
- Damage in a road accident
LITE
up to UZS 500m: 1.3%
above UZS 500m: 1.5%
Everything in SIMPLE, plus:
- Vehicle theft
- Fire, explosion, ignition
- Natural disasters and man-made accidents
- Falling objects, collision with animals
- Unlawful acts of third parties, burglary, robbery, armed robbery
Recommended
SMART
up to UZS 500m: 1.5%
above UZS 500m: 1.7%
Everything in LITE, plus:
- Vehicle damage appraisalup to UZS 4.5m
- Windscreen replacement (once per period)up to UZS 4.5m
- Payout without a road police certificate for an accident with no third parties involved (once per period)up to 7% of the insured amount
- Towingup to UZS 300,000
- Third-party liabilityup to UZS 10m
- Personal accident cover (driver and up to 3 passengers)up to UZS 15m
DELUXE
up to UZS 500m: 2.2%
above UZS 500m: 2.5%
Everything in SMART, with higher limits:
- Vehicle damage appraisalup to UZS 7.5m
- Windscreen replacement (once per period)up to UZS 7.5m
- Payout without a road police certificate for an accident with no third parties involved (once per period)up to 10% of the insured amount
- Towingup to UZS 500,000
- Taxi if the car was towed (once per period)up to UZS 500,000
- Third-party liabilityup to UZS 20m
- Personal accident cover (driver and up to 3 passengers)up to UZS 25m
- KASKO Club programmewith a premium of UZS 10m or more
Rates are annual: the first applies to cars worth up to UZS 500m, the second to cars worth more than UZS 500m.
Get KASKO in three steps
A clear path from your application to an electronic policy.
01
Calculate and enter your details
Choose a plan and provide the policyholder and vehicle details.
03
Pay and receive your policy
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
KASKO in action
Three real cases from 2025: what happened, what the policy cost, and how much the customer received.
EURO KASKO
Intersection collision
The customer failed to give way when exiting a secondary road. The hood, headlamp, radiator grille, reinforcement bar, and lower bumper section were damaged.
Policy costUZS 1,135,000
Total repair costabout UZS 28 million
PayoutUZS 20 million
Case details
The policy covered the front of the vehicle, so the payout amounted to
UZS 20 million out of about UZS 28 million in total damage. The customer submitted the
accident documents after the court decision.
KASKO SMART
A small but costly accident
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.
Policy costUZS 3,065,000
PayoutUZS 41,559,765
Ratio13.6 times higher
Case details
Under KASKO SMART, the repair and loss-assessment costs
were covered. The customer received payment without waiting for settlement by the at-fault driver's
insurer.
KASKO SMART
Collision with an obstacle
When leaving a residential complex, the customer hit a metal barrier. The bumper, headlamp, screen, and bumper bracket were damaged.
Policy costUZS 10,710,025
PayoutUZS 21,151,200
RatioAlmost 2 times higher
Case details
KASKO SMART covered this risk even though no other
vehicle was involved. The customer called an inspector and did not begin repairs before the damage was
documented.
Amounts are taken from settled insurance claims. The payout depends on the terms of the specific policy and the circumstances of the incident.
KASKO Club
Exclusive privileges for KASKO policyholders
Your club card is the key to a world of comfort and confidence behind the wheel.
Personal Manager
Individual support for all your questions.
Roadside Assistance
Engine start, fuel delivery, tire change, and emergency door unlocking.
Professional Car Care
Complimentary car washes at partner services, a 10% discount on oil changes, and up to 10% off detailing services.
Complete Protection
Extended insurance coverage for your vehicle in any situation.
Client reviews
About us
Over 25 years on the market
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.
Over 1,000,000 clients nationwide
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.
Over $15 million in payouts
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.
Blog & useful articles
Chevrolet Cobalt KASKO cost in Tashkent
Compare Chevrolet Cobalt KASKO prices, four plans and worked examples. Check cover and key conditions before buying.
Car Stolen or Declared a Total Loss: What Should You Do?
The first 72 hours after theft or total loss: documents, the 75% threshold, abandonment, and KASKO payout timing.
SIMPLE, LITE, SMART or DELUXE: Which KASKO Fits You?
Compare EUROASIA KASKO plans by price, risks and services, with a worked example for a car valued at UZS 300 million.
How to claim KASKO without an accident: a guide
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.
Frequently Asked Questions
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.
Didn't find an answer?
Write us your question, and we will get back to you shortly