Calculate and buy OSGOP online

Frequently asked questions

• How much does the policy cost?

  The price depends on the number of seats in the vehicle registration document: each seat is covered for 44 million soums, and the rate depends on the vehicle type. Examples for 3 months and for a year: a 12-seat city minibus — 79,992 and 319,968 soums; a 52-seat bus — 86,372 and 345,488; a four-seat taxi — 90,024 and 360,096. The calculator on this page works out the exact figure for your vehicle.

• What terms are available?

  Three, six, nine or twelve months. The premium is proportional to the term, while the sum insured stays the same: every seat remains covered for 44 million soums whether you buy for a quarter or a year.

• Who has to arrange OSGOP?

  Everyone who carries passengers commercially — both sole traders with a single car and transport companies. It covers taxis, minibuses, buses, trolleybuses, trams, the metro, as well as rail, water and air transport. A licence or permit for passenger transport is required.

• What happens if you operate without a policy?

  Article 146-1 of the Code of Administrative Liability provides for a fine on the responsible officer of seven base calculation values — 2,884,000 soums at the current BCV of 412,000. On top of that, harm to a passenger has to be compensated out of your own funds: the obligation applies whether or not you hold a policy.

• How much is each passenger covered for?

  The sum insured is set per passenger: 44 million soums, of which 40 million covers harm to life and health and 4 million covers belongings. The total sum insured under the contract is that figure multiplied by the combined seating capacity of all vehicles.

• When is the policy issued?

  No later than three working days after the premium reaches the insurer’s account.

• How quickly is a claim paid?

  The insurer notifies its decision to pay or to refuse no later than fifteen days after a written claim. The indemnity itself is transferred within five working days of the decision to pay. If payment is late, the insurer pays a penalty.

• Is a separate policy needed for each vehicle?

  No. One contract covers all the vehicles you declare: the premium is calculated separately for each type and added up. With a single car the contract covers that car; with a fleet it covers the whole fleet. When vehicles are added, the existing contract is amended.

• What happens to the sum insured after a payout?

  It is reduced by the amount paid. To restore full cover until the end of the contract, the carrier tops up the premium in proportion to the amount paid out.

• Does the policy cover passengers’ belongings?

  Yes, up to 4 million soums per passenger. This is a separate part of the sum insured and is stated in the contract separately from the amount covering life and health.

• Is OSGOP needed for international services?

  If the carrier’s liability is already insured under an international treaty of the Republic of Uzbekistan for a sum not lower than the one set by law, the OSGOP requirement does not apply to those services. For domestic services the policy is compulsory.

• Who checks that a policy is in place?

  The Transport Inspectorate, and for air services the Civil Aviation Agency under the Ministry of Transport.