OSAGO vs. KASKO in Uzbekistan: What to Choose and When?
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.
Winter Giveaway: iPhone 17 Pro Max and prizes worth 50 million UZS — participate via the app!
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 40,000,000 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
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.
The total insured amount under OSAGO is 40,000,000 UZS. This amount is usually sufficient to cover most insured events.
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.
Vehicle Type | Tashkent City & Tashkent Region | Other Regions |
|---|---|---|
Passenger car | 56,000 UZS (limited number of drivers) | 40,000 UZS (limited number of drivers) |
Truck | 67,200 UZS (limited number of drivers) | 48,000 UZS (limited number of drivers) |
Buses and minibuses | 67,200 UZS (limited number of drivers) | 48,000 UZS (limited number of drivers) |
Trams, motorcycles and scooters, tractors, self-propelled machines | 22,400 UZS (limited number of drivers) | 16,000 UZS (limited number of drivers) |
If you need to make changes to your current OSAGO policy, check out our detailed instructions and list of required documents.
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
UrgenchBuying 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.
In Uzbekistan, OSAGO is mandatory. See 2025 fines for driving without insurance, legal penalties, and how to stay compliant and avoid costly risks.
A road traffic accident (RTA) is always stressful — especially for inexperienced drivers.
OSAGO (OSGOVTS) is mandatory in Uzbekistan, yet myths persist. Learn what it covers and excludes, penalties, and how to avoid costly mistakes.
Select 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.
Write us your question, and we will get back to you shortly