How do I get an insurance policy online?

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.

What is needed to renew an insurance policy?

You need to fill in the data again, verify that the information is current, and pay for the new insurance period.

What should I do if an insured event occurs?

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.

What documents are needed to receive an insurance payout?

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.

How can I check the status of my insurance claim?

You can check the status of your claim by calling the short number 1147 or track it yourself in your personal account.

What is the difference between OSAGO and KASKO?

OSAGO (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.).

What are the coverage amounts for mandatory auto insurance?

The total insured amount is 80,000,000 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 28 million UZS).

For what period is an MTPL policy issued?

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.

What is the difference between a limited and unlimited number of drivers?

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.

OSAGO Calculator Online - Calculate in 5 Minutes

Mandatory car insurance from EUROASIA insurance

We make the car insurance process as simple and convenient as possible for our clients

Fast registration

It takes only 5 minutes to issue an electronic policy. No office visits or unnecessary documents.

Reliable protection

The insurance amount of up to 80,000,000 soums provides reliable protection for your liability.

Official document

The electronic policy has the same legal force as a paper one and is registered in the Unified Information System.

Mobile application

Manage your policies at any time through a convenient mobile application.

24/7 support

Our contact center is available 24/7 to help you in any situation.

Flexible terms

Choose the insurance period and the number of drivers according to your needs.

What is OSAGO?

OSAGO is mandatory car owner liability insurance. It covers damages that you may cause to other people or their property in a traffic accident. Under Uzbekistan law, every car owner must have an OSAGO policy.

What does OSAGO policy cover in 2026:

Injury to third parties' health and life

Up to 52,000,000 soums (65%)

Damage to third parties' property

Up to 28,000,000 soums (35%)

New OSAGO tariffs.

Insurance coverage has been increased to 80 million soums. This means that in case of a traffic accident caused by your fault, the insurance company will cover damages up to a much larger amount than before.

Why this matters:

Greater coverage means better financial protection for all road users.

Two drivers filing a traffic accident report using europrotocol

Good to know

For minor traffic accidents without casualties, you can use the europrotocol — a simplified procedure for filing a traffic accident report without calling the traffic police. This saves time and speeds up the insurance payout.

Important to understand: OSAGO does not cover damage to your car or your health. For that, there are other types of insurance, such as KASKO or our Euro KASKO.

What determines OSAGO insurance price?

Registered region

In areas with high traffic density, insurance risk is higher.

Type of vehicle

Trucks and minibuses have higher risk compared to passenger cars.

Number of drivers

In an unlimited policy, any driver can operate the vehicle, which increases the price.

Insurance history

If there are previous accidents or claims, the insurance cost may be higher.

Understanding coefficients in simple terms

Type of vehicle

Passenger car 0.2×

Truck 0.35×

Minibus 0.4×

Motorcycle 0.075×

Insurance history

No accidents 1.0×

1 claim 1.3×

2 claims 2.0×

3+ claims 3.0×

Registration region

Tashkent and Tashkent region Kt = 1.2 (+20%)

Other regions Kt = 1.0 (base)

Insurance period

12 months Ks = 1.0 (100%)

6 months Ks = 0.7 (70%)

Number of drivers

Up to 5 drivers Base price

More than 5 drivers ×2 to price

Need to make changes to your OSAGO policy?

If you need to update your current OSAGO auto insurance policy, check our step-by-step guide and the list of required documents.

Learn how to make changes

Insurance in Action: Real Client Cases

At EUROASIA Insurance, we believe the best way to demonstrate the reliability of an insurance policy is to show it in action.

KASKO LITE + OSAGO

Collision Due to Failure to Maintain Safe Distance

PORSCHE CAYENNE

November 2025

Tashkent, Yunusabad District

While driving a PORSCHE CAYENNE, our client failed to maintain a safe distance and collided with a MATIZ vehicle. The client was found to be at fault.

Client Policy KASKO LITE + OSAGO

Payment to Injured Party under OSAGO 49 046 525 UZS

More Details

EUROASIA Insurance Expert Commentary

This case is a clear example of how two policies work together and protect the client from both sides. Our client was found to be at fault in the accident, but was under reliable protection: the KASKO LITE policy covered the repair costs of his own vehicle, and the OSAGO policy fully compensated the damage caused to the MATIZ owner. The client acted wisely: waited for the court decision and provided a complete package of documents, which allowed for prompt payment.

What to do in a similar situation:

✓

Do Not Leave the Accident Scene

Call traffic police officers to officially document the incident — this is a mandatory requirement to receive compensation.

✓

Go Through All Procedures

Obtain the traffic police report and wait for the court decision. These documents are the basis for OSAGO payment.

✓

Contact Us

Submit a claim to the insurance company immediately after receiving the documents.

OSAGO

City Collision — European Protocol Registration

SPARK

February 2026

Tashkent, Yunusabad District

While driving a SPARK, our client violated traffic rules and collided with a BMW X5 vehicle. Since both parties agreed on the circumstances of the accident, the incident was documented using the European Protocol.

Client Policy OSAGO

Payment to Injured Party under OSAGO 28 000 000 UZS

More Details

EUROASIA Insurance Expert Commentary

This case demonstrates two important points. First, our client's OSAGO policy fulfilled its main function — EUROASIA Insurance compensated the injured BMW X5 owner in the amount of 28,000,000 UZS. The client did not have to pay from his own funds. Second, the parties wisely used the European Protocol: the claim was filed on February 4, and payment was made on February 19 — just 15 days. It should be noted that the total damage was 30,861,803 UZS, but the payment was made within the OSAGO limit. For complete protection of your vehicle, we recommend additionally obtaining KASKO insurance.

What to do in a similar situation:

✓

Use the European Protocol

If there are no injured people and both drivers agree on the circumstances — this is the fastest way to register an accident without waiting for an inspector.

✓

Fill Out Documents Carefully

The accident diagram and description of circumstances should be clear and agreed upon by both parties.

✓

Contact Us

Submit your claim as soon as possible — this will speed up the payment process.

European Protocol — Filing an accident without traffic police

Suitable for minor accidents, filing takes approximately 30 minutes

No injuries

No one was injured

Only 2 vehicles

Only two parties involved

Damage up to 28 million UZS

Up to 28 million UZS — from 2026

Mutual agreement

No disputes about liability

Article on how to fill it out

Step-by-step guide

Download form

Official form

Our Customer Reviews

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!

Alisher Karimov

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!

Nodira Rahimova

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.