KASKO for Auto Loans: Why Euroasia Beats Bank Insurance
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.
Protection of your electric vehicle against all risks: Road Traffic Accident, battery damage, Hijacking
Cost from 1.3% per year — from 7 million UZS for Tesla Model 3. Online registration in 5 minutes.
Without KASKO, one serious incident can cost you more than several years of insurance. Repairs can cost tens of millions of soums.
Serious Road Traffic Accident with battery damage = 200-300 million soums out of pocket. Annual KASKO insurance = 9-15 million soums, repair of any complexity = 0 soums out of pocket.
Comparison of coverage for different needs and budgets
Model | Car Value | LITE 1.3% | SMART 1.5% | DELUXE 2.2% |
|---|---|---|---|---|
Tesla Model 3 | $45,000 | 7.02 million UZS/year | 8.1 million UZS/year | 11.88 million UZS/year |
Tesla Model Y | $55,000 | 8.58 million UZS/year | 9.9 million UZS/year | 14.52 million UZS/year |
BYD Seal | $38,000 | 5.93 million UZS/year | 6.84 million UZS/year | 10.03 million UZS/year |
Zeekr 001 | $42,000 | 6.55 million UZS/year | 7.56 million UZS/year | 11.09 million UZS/year |
BYD Han | $48,000 | 7.49 million UZS/year | 8.64 million UZS/year | 12.67 million UZS/year |
Tesla Model S | $85,000 | 13.26 million UZS/year | 15.3 million UZS/year | 22.44 million UZS/year |
Simple and fast insurance application process in 5 steps
Choose a suitable KASKO tariff plan for your vehicle
Provide policyholder details and vehicle information
Pay for the policy after approval by the insurance company
Receive your electronic KASKO policy instantly
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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.
Today, we'll discuss an equally important advantage – the speed and reliability of insurance payouts.
Today we will share the fifth reason to choose KASKO – the amazing simplicity and convenience of arranging it online.
Buying a car in Uzbekistan? Learn the basics of OSAGO and KASKO—what they are, how they differ, and which policy fits your needs as a first-time owner.
Yes, the high-voltage battery is fully covered by KASKO in case of damage resulting from a Road Traffic Accident, Fire, Natural Disasters, and other Insured Events. It is important to understand that natural degradation of battery capacity over time (e.g., a 5-10% decrease over 3-5 years of operation) is a normal process of wear and tear, which is not an Insured Event. What is covered: mechanical damage to the battery during a Road Traffic Accident, short circuit due to external factors, damage from fire or flooding, failure resulting from vandalism. What is not covered: Natural Wear and Tear and loss of capacity, self-discharge, damage from improper charging with non-original equipment.
The cost of KASKO for Tesla depends on the model and value of the vehicle: • Tesla Model 3 (540 million UZS): from 7.02 million UZS/year (585,000 UZS/month) under the LITE Program • Tesla Model Y (660 million UZS): from 8.58 million UZS/year (715,000 UZS/month) under the LITE Program • Tesla Model S (1.02 billion UZS): from 13.26 million UZS/year (1,105,000 UZS/month) under the LITE Program We recommend the SMART Program (1.5%), which includes extended electronics coverage and a replacement car during repairs. The exact cost can be calculated in our online calculator taking into account the car's age, driving experience, and other factors.
It depends on the situation. If the damage occurred due to a malfunction of an official charging station or a certified home charger, KASKO will cover the repair. For example, if a voltage surge occurred at the charging station, damaging the onboard electronics. However, if the owner used homemade or uncertified charging equipment that led to the failure of the vehicle's systems, this may not be covered by insurance. We always recommend charging the electric vehicle only at official stations or using original chargers.
Yes, we insure electric vehicles imported from abroad. To issue KASKO, you will need: • Technical Passport (Vehicle Registration Certificate in Uzbekistan) • Customs declaration (if the car was imported recently) • Documents confirming the value of the vehicle • Inspection of the vehicle by our expert (can be conducted online via video) Please note: if the vehicle has signs of repair or damage before the insurance is issued, these damages will not be covered by the policy. All other risks are insured in full.
Main differences: • Cost: due to the higher price of electric vehicles, the Insurance Premium in absolute figures is higher, but the percentage of the value remains the same (1.3-2.2%) • Specific risks: additional coverage for the high-voltage battery, inverter, electric motor • Repair: original spare parts and specialized services are required • Towing: special attention to Towing Services in case of discharge • Repair times: usually longer due to parts delivery (2-4 months) All payment conditions, deductibles, and settlement procedures are absolutely identical to regular cars.
The standard procedure: 1. Ensure safety: turn on hazard lights, set up the emergency stop sign 2. Call EUROASIA: 1147 (24/7). Report the incident and describe the damage 3. Call the Traffic Police (if there are victims or a dispute about the At-fault Driver) 4. Take photos: all damages, license plates of other participants, general view of the Road Traffic Accident scene 5. Fill out the Europrotocol: if the Road Traffic Accident is without victims and both drivers agree on fault 6. Do not start repairs before inspection by the insurance company representative Important for electric vehicles: If there is visible damage in the battery area (vehicle underbody), do not try to start or move the car yourself. Call a tow truck through the insurance company.
Minimum package of documents: • Technical Passport (Vehicle Registration Certificate) • Owner's passport (or power of attorney if not issued by the owner) • Driving License of all authorized drivers Additionally may be required: • Sales contract (for recently purchased cars) • Customs declaration (for those imported from abroad) • Assessment Report (if the value is higher than the market average) All documents can be uploaded digitally when applying online — it is not necessary to bring originals to the office.
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