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Auto insurance 24 hours — get policy online

Round the clock, even on holidays. MTPL and CASCO — in 5 minutes

✓ 1,000,000+ customers
✓ 25 years of experience
✓ 24/7 online service
✓ Official electronic policy
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Why is 24-hour car insurance needed?

Car insurance is no longer bound by time. With EUROASIA Insurance you can issue an OSAGO policy online at any time — in the middle of the night, on weekends, or even on holidays.

Before hitting the road late at night — the policy has expired, but you can't wait until morning

OSAGO expired while on the road — renew it immediately via your personal account

Holidays — offices are closed, but EUROASIA works 24/7

Heading out on an early morning trip — get the policy at night and sleep peacefully

Get online auto insurance: 3 steps

1

Enter details

2 minutes

Technical passport and vehicle details

2

Make payment

1 minute

Secure via Click, Payme, Uzcard

Click Payme Uzcard

Receive E-policy

Instantly sent to SMS and app. Visible on Traffic Police tablets

SMS + app + Traffic Police tablets

No need to scan any documents or go to the office.

What is OSAGO?

OSAGO (or CMTPLI) is compulsory civil liability insurance for vehicle owners. It is mandatory for every car owner in the Republic of Uzbekistan. OSAGO is paid by the insurance company for damage caused to other parties in a road traffic accident.

What the OSAGO policy covers in 2026:

Damage to the life and health of a third party — fully covered

Damage caused to the property of a third party (vehicle, property)

Injuries received under the Europrotocol (registration without Traffic Police participation)

Road traffic accidents involving two or more participants

What OSAGO does not cover:

Damage to your own vehicle (CASCO is needed for this)

Injuries sustained by the driver themselves

Damage caused in special cases (terrorism, war, etc.)

New OSAGO tariffs 2026:

According to the legislation of the Republic of Uzbekistan, the OSAGO tariff is calculated based on the vehicle type, region, and number of drivers. EUROASIA Insurance offers an official policy at the most affordable prices.

Bodily injury coverage

52 million UZS

Property damage coverage

28 million UZS

What determines the price of OSAGO?

Region of registration

Insurance risk is higher in regions with high traffic density.

Type of vehicle

Trucks and minibuses have a higher risk compared to passenger cars.

Number of drivers

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

Insurance history

If there were previous accidents or insurance payments, the insurance price may be higher.

Complete protection for your vehicle

European Protocol only works with valid OSAGO insurance. Ensure maximum protection with our insurance products!

Mandatory

E-OSAGO

Mandatory motor third party liability insurance

  • Online registration in 5 minutes
  • Valid throughout Uzbekistan
  • European Protocol included
  • 24/7 support

from 60 000 sum

Get E-OSAGO Fast and reliable

European Protocol is impossible without compulsory insurance!

Premium

KASKO

Complete protection of your vehicle from all risks

  • Protection from theft and damage
  • Repair at official service centers
  • Towing and roadside assistance 24/7
  • Online damage assessment
  • Payment without traffic police reports

from 900 000 sum

Get KASKO Maximum protection

Maximum protection without hassle

Popular

EuroKASKO

European standards of protection at an affordable price

  • Protection from main risks
  • Quality repair
  • Choose what to insure yourself
  • Flexible payment terms
  • Even if you are at fault in an accident

from 200 000 sum

Get EuroKASKO Optimal choice

Best price-quality ratio

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.

Accident with PORSCHE CAYENNE and MATIZ
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

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.
Accident with SPARK and BMW X5
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

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 later. 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.

Client reviews

I had to hit the road at midnight, but my mandatory insurance had expired. I got a policy in 3 minutes via the EUROASIA app. Excellent service!


Jasur T.
Tashkent, 2025

I called when the Road Traffic Accident occurred — they answered 24/7. We processed it quickly with the Europrotocol, and the payment arrived in 5 days.


Nodira K.
Samarkand, 2025

The offices were closed on holidays, but since they work online 24/7, I purchased a policy with peace of mind. The price is also competitive.


Sherzod M.
Namangan, 2025

OSAGO auto insurance 24 hours a day — with EUROASIA

EUROASIA Insurance is one of the first insurance companies in Uzbekistan, serving over 1,000,000 customers for 25 years. Our online platform operates 24 hours a day, 7 days a week.

24/7 online service

No working hour restrictions

Policy in 5 minutes

No documents, no queues

Mobile app

Free for iPhone and Android

Visible on Traffic Police tablets

Takes effect immediately

Click / Payme / Uzcard

Convenient and secure payment

24-hour support

tel: 1147

Frequently Asked Questions

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