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Learn MoreWe make the insurance process as simple and convenient as possible for our clients
Registering an electronic policy takes just 5 minutes. No office visits or extra documents.
An insurance sum of up to 80,000,000 UZS provides reliable protection for your liability.
The electronic policy has the same legal force as a paper one and is registered in the Unified Information System.
Manage your policies through our convenient mobile application at any time.
Our contact center is available 24/7 to help you in any situation.
Choose the insurance term and number of drivers according to your needs.
Mandatory Third-Party Liability Insurance for Vehicle Owners
Insurance coverage has doubled — up to 80 million UZS. This means you are protected from more serious financial consequences in case of an accident caused by you.
Important change: Increased coverage means better financial protection for all road users. Even in serious accidents, the insurance company will cover a larger amount of damage.
OSAGO (Mandatory Third-Party Liability Insurance for Vehicle Owners) is a compulsory insurance of civil liability for vehicle owners. This type of insurance protects you from financial losses related to compensation for harm caused to the life, health, or property of other persons while using a vehicle.
According to the legislation of the Republic of Uzbekistan, every vehicle owner is required to have a valid OSAGO policy.
Coverage doubled!
From 40 million to 80 million UZS — now you are protected from more serious financial consequences in accidents caused by you.
The total insured amount under OSAGO from 2026 is 80,000,000 UZS. Increased coverage provides reliable financial protection even in serious accidents when the damage can be significant.
For minor accidents without injuries, you can use the Europrotocol — a simplified accident registration procedure without calling traffic police. This saves time and speeds up insurance claim processing.
Important to understand: OSAGO does not cover damage to your own car or your health. For this, there are other types of insurance, such as KASKO or our Euro KASKO builder.
Region | Vehicle Type | Limited drivers | Unlimited drivers |
|---|---|---|---|
Tashkent City & Tashkent Region | Passenger car | 192,000 UZS | 384,000 UZS |
Truck | 336,000 UZS | 672,000 UZS | |
Minibus | 384,000 UZS | 768,000 UZS | |
Tractor & Motorcycle | 72,000 UZS | 144,000 UZS | |
Other regions of Uzbekistan | Passenger car | 160,000 UZS | 320,000 UZS |
Truck | 280,000 UZS | 560,000 UZS | |
Minibus | 320,000 UZS | 640,000 UZS | |
Tractor & Motorcycle | 60,000 UZS | 120,000 UZS | |
Vehicles from CIS countries | Passenger car | 320,000 UZS | 640,000 UZS |
Truck | 560,000 UZS | 1,120,000 UZS |
Understanding coefficients in simple terms
Territorial Coefficient (Kt)
Tashkent and Tashkent Region
+20% to the base rate
More cars on the roads = higher Road Traffic Accident risks
Other regions
Base rate
Standard coefficient without markup
Base rate (Tb)
Passenger car
1×
Base rate
Truck
1.75×
Higher risk of damage
Minibus
2×
Many passengers
Motorcycle
0.38×
Less damage
Limitation Coefficient (Kbo)
LIMITED POLICY
Up to 5 drivers
• Base cost
• Specific individuals are listed
• 50% savings
UNLIMITED POLICY
Any number
• Price × 2
• Anyone with a license
• Convenience and flexibility
Violation Coefficient (Kn)
No accidents
1.0×
Base price
1 accident
1.3×
+30%
2 accidents
2.0×
Double price
3+ accidents
3.0×
Triple price
Seasonality Coefficient (Ks)
12 months
100%
Full cost for the whole year
6 months
70%
Save 30% of the annual cost
Base scenario:
Passenger car in Tashkent ×1.2
Limited policy (1 driver) ×1
No accidents for the year ×1
Policy for 12 months ×1
Total: 192,000 UZS
With increasing coefficients:
Passenger car in Tashkent ×1.2
Unlimited policy ×2
2 accidents for the year ×2
Policy for 12 months ×1
Total: 768,000 UZS
Difference: 576,000 UZS!
If you need to make changes to your current OSAGO policy, check out our detailed instructions and list of required documents.
Simplified procedure for minor accident registration
No one hurt
Two cars
28M from 2026
Both parties
Important: If conditions are not met, payment may be denied. Time savings: up to 2 hours.
What those who have already purchased MTPL from EUROASIA Insurance say about us
I got my MTPL policy online in 7 minutes, everything was very simple and clear. The policy arrived in my email instantly. I recommend it to everyone who values their time!
Chevrolet Cobalt Owner
I have been using EUROASIA Insurance services for 3 years. When I got into a car accident, they helped me quickly process all the documents and receive the payout. I'm very satisfied with the service!
Chevrolet Tracker Owner
Excellent insurance company! I got an electronic MTPL policy, everything was fast and hassle-free. The consultants answer all questions and are always ready to help.
Chevrolet Onix Owner
Euroasia Insurance offers round-the-clock OSAGO car insurance for residents of Uzbekistan. Our online service operates 24 hours a day, 7 days a week, allowing you to get a policy at any convenient time.
Get your policy at night, on weekends, and on holidays.
The electronic policy is delivered immediately after payment.
Expert assistance available at any time.
Manage your policies from your phone 24/7.
Don't wait for business hours — get your OSAGO policy online right now and receive reliable protection for your car at any time of the day.
Get OSAGO OnlineTashkent Region
TashkentRepublic of Karakalpakstan
NukusAndijan Region
AndijanBukhara Region
BukharaJizzakh Region
JizzakhKashkadarya Region
KarshiNavoiy Region
NavoiyNamangan Region
NamanganSamarkand Region
SamarkandSurxondaryo Region
TermezSirdaryo Region
GulistanFergana Region
FerganaKhorezm Region
UrgenchSelect the 'Mandatory Auto Insurance (E-MTPL)' section, fill in the details, pay for the policy, and after payment, a link to download the policy will be sent to your specified mobile phone, or the policy will be sent to your specified email address. The policy will also appear in your personal account.
You need to fill in the data again, verify that the information is current, and pay for the new insurance period.
Immediately report the traffic accident to the competent authorities (Traffic Police) or fill out a European Accident Statement (if the conditions for its use are met), then contact the insurance company and file a claim for payment.
Usually, a claim form, a protocol or certificate from the Traffic Police (or a European Accident Statement), and a damage assessment from a licensed appraiser are required. For a full list, please check with our operators at the short number 1147.
You can check the status of your claim by calling the short number 1147 or track it yourself in your personal account.
MTPL (Mandatory Third-Party Liability) covers damage you cause to other road users (their car, property, health), but does not cover your own damage. CASCO (voluntary insurance) protects your own car from various risks (accidents, theft, natural disasters, vandalism, etc.).
The total insured amount is 40,000,000 UZS. In case of damage to the victim's property, the amount of insurance compensation cannot exceed 35% of this sum (up to 14 million UZS), and for harm to life or health — no more than 65% (up to 26 million UZS).
The standard validity period for an MTPL policy is 1 year. However, other options are available: For seasonal use of a vehicle, a policy can be issued for 6 or more months. If it's necessary to transport a car to its registration location, a policy can be issued for 10 or more days.
When purchasing an MTPL policy, you can choose one of two options: Limited number of drivers — the policy is valid only if one of the drivers listed in the policy is driving. This option is cheaper. Unlimited number of drivers — the policy is valid regardless of who is driving. This option is more expensive but provides greater flexibility.
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