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

KASKO in action: real cases of our clients

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

BYD SONG PRO Accident
EURO KASKO

Collision at an intersection

BYD SONG PRO
August 2025
Tashkent

Our client, driving out from a secondary road, failed to yield and caused a collision. Damaged: hood, left headlight, radiator grille, reinforcement, and lower part of the bumper.

Policy cost
1 135 000 UZS
Payout
20 000 000 UZS

Comment from EUROASIA Insurance expert

This is a classic example where a KASKO policy protects you, even if you are at fault in the accident. The client had a "Euro KASKO" constructor policy costing 1,135,000 UZS, under which he insured the front part of the car. Although the payout did not cover 100% of the damage (total damage ~28 million UZS), it made up the main part — 20 million UZS. This is 17.6 times more than the cost of the policy itself! The client waited for the court decision and provided a full package of documents.

What to do in such a situation:

Admit liability
Official registration is the key to a quick payout.
Complete all procedures
Obtain the Traffic Police protocol and court decision.
Contact us
Submit an application to the insurance company.
BYD YUAN UP Accident
KASKO

Small but expensive accident

BYD YUAN UP
October 2025
Tashkent

The driver of an oncoming Lacetti violated the rules and collided with our client's car. Extensive damage to the front part: hood, headlights, bumper, radiator panel, right fender, and other elements.

Policy cost
3 065 000 UZS
Payout
41 559 765 UZS

Comment from EUROASIA Insurance expert

This case clearly demonstrates the value of full insurance coverage for serious damage. Thanks to the "KASKO SMART" policy costing 3,065,000 UZS, our client received a payout 13.6 times greater than the policy cost — 41,559,765 UZS. The policy covered absolutely all repair costs, including the cost of damage assessment (800,000 UZS). The client did not have to wait for payments from the insurance company of the at-fault party and waste time on court proceedings.

What to do in such a situation:

Do not panic in case of major damage
KASKO protects you in expensive cases.
Keep all receipts
Confirm damage assessment expenses.
Follow the algorithm
Official recording and timely notification.
LIXIANG L9 Accident
KASKO

Collision with an obstacle

LIXIANG L9
November 2025
Chirchik

While exiting a residential complex, the client hit a metal fence. Damaged: front bumper, front left headlight, screen, and bumper bracket.

Policy cost
10 710 025 UZS
Payout
21 151 200 UZS

Comment from EUROASIA Insurance expert

Many car owners mistakenly believe that insurance only works in a collision with another car. This case proves otherwise. The "KASKO SMART" policy costing 10,710,025 UZS covers such risks as well. The payout amounted to 21,151,200 UZS — almost 2 times more than the policy cost. The client did not leave the scene and called a Traffic Police inspector to draw up a report, which allowed us to make the payment promptly.

What to do in such a situation:

Record the incident
Confirmation from the Traffic Police is required.
Do not repair the car before inspection
Wait for a specialist.
Photograph all details
Photos of damages and the scene of the incident.

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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