# Euroasia Insurance - Leading Insurance Company in Uzbekistan

> Insurance Uzbekistan, online insurance, OSAGO, KASKO, travel insurance, property insurance, 24/7, digital platform, reliable insurance company, licensed insurance, international standards, Tashkent

## About the Company

- **Company Overview:** Euroasia Insurance is Uzbekistan's leading digital insurance platform with 25 years of market experience
- **Services:** Full range of insurance services across 17 insurance classes, serving over 1 million clients nationwide
- **Financial Stability:** Total payouts have exceeded $15 million, confirming our reliability and financial stability
- **Experience:** 25+ years in the market
- **Client Base:** 1,000,000+ clients
- **Total Payouts:** $15+ million
- **International Rating:** Moody's recognition
- **License:** NAPP RUz License - Company operates under license for insurance activities across all 17 classes in general insurance sector
- **Payout Statistics:** 99.7% for KASKO, 98% for property insurance
- **ISO Certification:** ISO 9001:2015 quality certificate issued by Bureau Veritas Certification (October 2025)

## Auto Insurance

- **OSAGO (Mandatory Insurance):** [Apply for OSAGO online](https://eai.uz/en/osago) - Digital platform for mandatory auto insurance with instant policy issuance
- **OSAGO Rates Passenger Cars Tashkent:** 56,000 UZS (limited drivers) / 168,000 UZS (unlimited drivers)
- **OSAGO Rates Passenger Cars Other Regions:** 40,000 UZS (limited drivers) / 120,000 UZS (unlimited drivers)
- **OSAGO Rates Trucks/Buses Tashkent:** 67,200 UZS (limited drivers) / 201,600 UZS (unlimited drivers)
- **OSAGO Rates Trucks/Buses Other Regions:** 48,000 UZS (limited drivers) / 144,000 UZS (unlimited drivers)
- **OSAGO Rates Motorcycles/Tractors Tashkent:** 22,400 UZS (limited drivers) / 67,200 UZS (unlimited drivers)
- **OSAGO Rates Motorcycles/Tractors Other Regions:** 16,000 UZS (limited drivers) / 48,000 UZS (unlimited drivers)
- **OSAGO Coverage:** Total 40,000,000 UZS (Property damage up to 14,000,000 UZS, Personal injury up to 26,000,000 UZS)
- **OSAGO Rate Increase Notice:** From January 1, 2026, rates will increase to 160-192 thousand UZS
- **OSAGO New 2026 Rates Passenger Cars Tashkent:** 192,000 UZS (effective January 1, 2026)
- **OSAGO New 2026 Rates Passenger Cars Tashkent Region:** 160,000 UZS (effective January 1, 2026)
- **OSAGO New 2026 Rates Passenger Cars Other Regions:** 160,000 UZS (effective January 1, 2026)
- **OSAGO New 2026 Rates Trucks Tashkent:** 336,000 UZS (effective January 1, 2026)
- **OSAGO New 2026 Rates Trucks Other Regions:** 280,000 UZS (effective January 1, 2026)
- **OSAGO New 2026 Rates Buses Tashkent:** 384,000 UZS (effective January 1, 2026)
- **OSAGO New 2026 Rates Buses Other Regions:** 320,000 UZS (effective January 1, 2026)
- **OSAGO New 2026 Rates Motorcycles/Tractors Tashkent:** 72,000 UZS (effective January 1, 2026)
- **OSAGO New 2026 Rates Motorcycles/Tractors Other Regions:** 60,000 UZS (effective January 1, 2026)
- **OSAGO New 2026 Coverage:** Total 80,000,000 UZS (Property damage up to 28,000,000 UZS, Personal injury up to 52,000,000 UZS)
- **OSAGO 2026 Reform Details:** Insurance amount doubled from 40 million to 80 million UZS; liability limit increased 6.7 times compared to pre-2019 period
- **OSAGO Social Benefits:** 50% discount for war veterans, persons with disabilities, pensioners, and Chernobyl disaster victims
- **OSAGO Fine for Non-Compliance:** 1 to 3 times the base calculation amount
- **KASKO (Voluntary Auto Insurance):** [Calculate KASKO online](https://eai.uz/en/kasko) - Comprehensive vehicle protection with customizable coverage options
- **KASKO LITE Program:** From 1.3% of vehicle value (Total destruction, damage from accidents, coverage when at fault)
- **KASKO LITE Tariff Under 500M:** 1.3% of vehicle value
- **KASKO LITE Tariff Over 500M:** 1.5% of vehicle value
- **KASKO SMART Program:** From 1.5% of vehicle value (Everything from LITE + civil liability up to 10 million UZS, personal accident up to 15 million UZS, windshield replacement, payouts without police reports, towing and taxi services)
- **KASKO SMART Tariff Under 500M:** 1.5% of vehicle value
- **KASKO SMART Tariff Over 500M:** 1.7% of vehicle value
- **KASKO DELUXE Program:** From 2.2% of vehicle value (Everything from SMART + civil liability up to 20 million UZS, personal accident up to 25 million UZS, sober driver service, technical assistance)
- **KASKO DELUXE Tariff Under 500M:** 2.2% of vehicle value
- **KASKO DELUXE Tariff Over 500M:** 2.5% of vehicle value
- **KASKO Additional Services:** 24/7 towing (free), payouts without reports up to 5% of insured amount, no report required for damage up to 3%, 5-minute online application
- **KASKO Promotional Discount:** 25% discount on all KASKO tariffs (October 1 - December 31, 2025)
- **EURO KASKO:** [Auto Insurance Constructor](https://eai.uz/en/eurokasko) - Advanced auto insurance builder with flexible coverage options
- **General Auto Information:** [Complete auto insurance requirements](https://eai.uz/en/auto) for Uzbekistan
- **European Protocol:** [Streamlined accident reporting system](https://eai.uz/en/europrotocol) for faster claims processing
- **European Protocol Procedure:** Drivers complete report in two copies within 4 hours, submit to insurer within 3 working days, insurer decides within 15 working days, payment within 5 working days
- **European Protocol Conditions:** Only 2 vehicles involved, no injuries, no third-party property damage, full admission of guilt by one driver, valid insurance policies for both parties, sober condition (medical examination required within 4 hours)
- **European Protocol Benefits:** Time saving, fast payments, digital registration, no fines, 15-minute registration without traffic police
- **European Protocol Requirements:** Exactly 2 vehicles, no people injured, no damage to road infrastructure or third-party property, one driver admits full fault, both parties have valid OSAGO policies, not under influence of alcohol

## Travel Insurance

- **Basic Tourism Insurance:** From 5,000 UZS/day
- **Sports Insurance:** From 9,500 UZS/day (coverage up to €90,000)
- **Student Insurance:** From 1,000,000 UZS/semester
- **Business Trip Insurance:** From 8,000 UZS/day
- **Travel Insurance Services:** [Comprehensive international and domestic coverage](https://eai.uz/en/travelling)
- **Work Abroad Insurance:** [Specialized coverage for Uzbek citizens working internationally](https://eai.uz/en/work-abroad)
- **Student Insurance Abroad:** [Educational travel and international studies coverage](https://eai.uz/en/study-abroad)
- **Sports Insurance Specialized:** [Coverage for sports activities and adventure travel](https://eai.uz/en/sport)
- **Active Sports Online:** [Digital platform for sports and active lifestyle coverage](https://eai.uz/en/online-sport-active)
- **General Travel Services:** [Comprehensive travel insurance solutions](https://eai.uz/en/travel)
- **ECONOMY Plan (€20,000):** Geography - Asia, Africa, Latin America; Medical services €10,000; Dental care €200; Evacuation €4,000
- **CLASSIC Plan (€60,000):** Geography - All Europe, Schengen + most countries worldwide; Medical services €30,000; Dental care €300; Evacuation €8,000; Transportation services €9,000
- **EXCLUSIVE Plan (€90,000):** Geography - All countries worldwide without exceptions; Medical services €40,000; Evacuation €12,000; Transportation services €18,000
- **STOPVIRUS Plans (€60,000/€90,000):** COVID-19 treatment €30,000/€40,000; Special protection against infections
- **Multi I Plan:** 92 days (trips up to 30 days)
- **Multi II Plan:** 183 days (trips up to 90 days) for business
- **Multi III Plan:** 365 days (save up to 50%)

## Property and Health Insurance

- **Property Insurance:** [Comprehensive residential and commercial coverage](https://eai.uz/en/property)
- **Property Insurance Cost:** From 0.1% of property value per year
- **Property Application Process:** 5 minutes online
- **Property Payout Time:** 15 days for compensation
- **Property Coverage Success Rate:** 98% of justified claims paid
- **Fire Coverage:** Any cause of fire damage
- **Gas Explosion Coverage:** Protection against gas-related incidents
- **Flood Coverage:** Water damage protection
- **Water Damage Coverage:** Pipe bursts and water incidents
- **Hurricane Coverage:** Protection from winds 20 m/s and above
- **Weather Coverage:** Snowfall, hail (from 10 mm), lightning strike protection
- **Natural Disaster Coverage:** Earthquake (from 5 points), landslide protection
- **Vandalism Coverage:** Protection against intentional damage
- **Solar Panel Insurance:** [Specialized coverage for renewable energy installations](https://eai.uz/en/property/solar)
- **Accident Insurance:** [Personal injury and accident coverage](https://eai.uz/en/accident)
- **Basic Online Injury Protection:** [Essential coverage for everyday accidents](https://eai.uz/en/basic-online-injury-protection)

## Corporate Insurance

- **Business Insurance:** [Comprehensive corporate insurance packages](https://eai.uz/en/business)
- **Corporate Property Insurance:** [Commercial property and asset protection](https://eai.uz/en/business/property)
- **OSGOR for Business:** [Professional liability insurance for businesses](https://eai.uz/en/business/osgor)
- **OSGOP for Business:** [Employer liability insurance coverage](https://eai.uz/en/business/osgop)

## Digital Services and Technologies

- **Mobile App Policy Management:** 24/7 access to insurance policies
- **Mobile App Claims Submission:** Digital insurance claims processing
- **Mobile App Transaction History:** Complete payment and transaction records
- **Mobile App Push Notifications:** Real-time updates and alerts
- **iOS Application:** [Download from App Store](https://apps.apple.com/us/app/euroasia-insurance-app/id6747672980)
- **Android Application:** [Download from Google Play](https://play.google.com/store/apps/details?id=com.eai)
- **Online Policy Application:** 5-minute application process for any policy
- **Electronic Policies:** Digital policies with full legal force
- **Online European Protocol:** Digital accident reporting system
- **Cost Calculators:** Instant insurance premium calculations
- **24/7 Online Support:** Round-the-clock customer assistance

## Policy Management and Client Services

- **Policy Servicing Portal:** [Manage policies through mobile app, personal account, or call center 1147](https://eai.uz/en/clients)
- **OSAGO Policy Extension:** Extend OSAGO policy online in just a few minutes
- **OSAGO Policy Changes:** Make changes to policy information or add new options quickly and conveniently
- **OSAGO Policy Termination:** Information about terms and conditions for terminating insurance contract
- **OSAGO Renewal Guide:** [Step-by-step guide for OSAGO policy renewal](https://eai.uz/en/clients/osago-renewal-guide)
- **OSAGO Change Guide:** [Instructions for making changes to OSAGO policy](https://eai.uz/en/clients/osago-change-guide)
- **OSAGO Termination Guide:** [Guide for terminating OSAGO insurance contract](https://eai.uz/en/clients/osago-termination-guide)
- **KASKO Policy Changes:** Contact call center 1147 to make changes or add options
- **KASKO Policy Termination:** Contact call center 1147 for termination terms and conditions
- **Policy Management Features:** View all policies, track expiration dates, report incidents, view transaction history, receive notifications

## Promotions and Special Offers

- **EURO KASKO Promotion:** Win full KASKO coverage for one year (until August 31, 2025)
- **OSAGO Promotion:** Win iPhone Pro Max (until August 31, 2025)
- **KASKO Discount Promotion:** 25% discount on all KASKO tariffs (October 1 - December 31, 2025)
- **KASKO Club VIP Program:** [Exclusive benefits and services](https://eai.uz/en/kasko-club) for KASKO policyholders with premium cars no older than 5 years
- **KASKO Club Extended Coverage:** Enhanced insurance protection
- **KASKO Club Detailing Service:** Professional car detailing discount up to 10%
- **KASKO Club Personal Manager:** Dedicated customer service representative
- **KASKO Club VIP Airport Lounge:** Exclusive airport lounge access (removed from current benefits)
- **KASKO Club Car Wash Bonus:** Car wash at partner services
- **KASKO Club Fuel Cashback:** Up to 10% cashback on fuel purchases (removed from current benefits)
- **KASKO Club Engine Services:** Engine start, fuel delivery, engine oil change 10% discount
- **KASKO Club Emergency Services:** Door opening in emergency situations, spare tire replacement
- **KASKO Club Technical Services:** Vehicle technical inspection
- **KASKO Club Membership Requirements:** Premium cars no older than 5 years, KASKO policy from Euroasia Insurance, video inspection by expert

## Company Information

- **About Company:** [Company history, mission, values, and leadership team](https://eai.uz/en/about)
- **Contact Information:** [Complete contact details, regional offices, and support channels](https://eai.uz/en/contacts)
- **All Products:** [Comprehensive catalog of insurance products and services](https://eai.uz/en/products)
- **Partnership Network:** [Strategic partnerships and service providers](https://eai.uz/en/partners)
- **Become a Partner:** [Partnership opportunities and application process](https://eai.uz/en/partner)

## Customer Resources

- **FAQ:** [Comprehensive answers to common insurance questions](https://eai.uz/en/faq)
- **Current Promotions:** [Special offers, discounts, and promotional campaigns](https://eai.uz/en/promo)
- **Sales Information:** [Detailed product information and pricing](https://eai.uz/en/selling-information)
- **Educational Blog:** [Insurance guides, tips, and industry insights](https://eai.uz/en/blog)

## Legal and Privacy Information

- **User Agreement:** [Terms and conditions for website and mobile app usage](https://eai.uz/en/user-agreement)
- **User Agreement Legal Basis:** Developed in accordance with Civil Code of Uzbekistan, Law on Insurance Activities No. ZRU-730 (November 23, 2021), Resolution on e-commerce No. 185 (June 2, 2016), Law on Personal Data No. ZRU-547 (July 2, 2019)
- **User Rights:** Use website functionality, exercise personal data rights, unilaterally terminate offer, receive application status information, contact support service
- **User Obligations:** Not disrupt website operation, provide accurate information, ensure account security, notify of security breaches
- **Insurer Rights:** Monitor user actions, restrict access for violations, modify terms without prior notice, send informational messages
- **Insurer Obligations:** Ensure identification and authentication system, guarantee data integrity, protect personal data according to Uzbekistan legislation
- **Privacy Policy:** [Personal data processing and protection policy](https://eai.uz/en/privacy-policy)
- **Privacy Policy Legal Basis:** Law of Republic of Uzbekistan "On Personal Data" No. ZRU-547 (July 2, 2019)
- **Personal Data Consent:** User consent provided by accepting policy upon registration or authorization on website
- **Personal Data Rights:** Right to withdraw consent by sending written statement to info@eai.uz (processed within 30 days)
- **Personal Data Update:** Users can demand clarification, blocking, or destruction of incomplete, outdated, or inaccurate personal data
- **Personal Data Deletion:** Personal data destroyed within 30 days after achieving processing purpose unless required by law
- **Payment Security:** [Card payment security and data protection](https://eai.uz/en/bezopasnost-oplaty-bankovskoj-kartoj)
- **Payment Data Protection:** Euroasia Insurance does not receive, process, or store bank card data; all card data entered on secure pages of payment providers
- **Payment Encryption:** TLS (Transport Layer Security) encryption protocol for all data transmission
- **3D-Secure Technology:** Additional authentication for cardholders (Verified by Visa, Mastercard SecureCode, Mir Accept)
- **Payment Partners:** Click, Payme, Octobank, Uzum Bank with advanced anti-fraud systems
- **Anti-Fraud Protection:** Real-time transaction analysis, blacklist verification, geographical location analysis, limit controls, suspicious behavior detection

## Contact and Support

- **Call Center:** 1147 (24/7 support)
- **Phone:** +998 71 207-91-93
- **Email:** info@eai.uz
- **Website:** https://eai.uz
- **Head Office:** Tashkent, Yunusobod District
- **Social Media Facebook:** https://www.facebook.com/eai.uz
- **Social Media Instagram:** https://www.instagram.com/eai.uz
- **Social Media LinkedIn:** https://www.linkedin.com/company/euroasia-insurance/
- **Social Media Telegram:** https://t.me/ea_ins
- **Payment Method Click:** Digital payment system
- **Payment Method Payme:** Mobile payment platform
- **Payment Method Uzcard:** National payment card system
- **Payment Method Humo:** Local payment card system
- **Payment Method Visa:** International payment card
- **Payment Method Mastercard:** International payment card
- **Payment Method Bank Transfers:** Traditional bank payment method

## Geographic Coverage

- **Tashkent:** Head Office and Regional Office with full service coverage
- **Tashkent Region:** Complete regional office and service centers
- **Fergana Region:** Regional office and local service centers
- **Samarkand Region:** Regional office and local service centers
- **Khorezm Region:** Regional office and local service centers
- **Sirdaryo Region:** Regional office and local service centers
- **Surkhandarya Region:** Regional office and local service centers

## Key Features and Advantages

- **Digital-First Approach:** Fully online platform with mobile app accessibility
- **24/7 Service Availability:** Round-the-clock customer support and policy management
- **Instant Policy Issuance:** Immediate coverage activation for most insurance products
- **Multi-Language Support:** Services available in Uzbek, Russian, and English
- **Blockchain Integration:** IOTA technology for enhanced security and transparency
- **Competitive Pricing:** Market-leading rates with flexible payment options
- **Regional Presence:** Local offices combined with digital convenience

## Language Versions

- **Uzbek (Cyrillic):** [Full website in Uzbek Cyrillic script](https://eai.uz/uz)
- **Uzbek (Latin):** [Full website in Uzbek Latin script](https://eai.uz/oz)
- **Russian:** [Complete Russian language version](https://eai.uz/ru)
- **English:** [International English version](https://eai.uz/en)

## Optional

- **Customer Login Portal:** [Secure access to policy management and claims](https://eai.uz/en/login)
- **Special EuroKASKO Program:** [Auto insurance with enhanced benefits](https://eai.uz/en/EuroKasko)
- **Insurance Articles and Guides:** [Educational content about insurance in Uzbekistan](https://eai.uz/en/articles)
- **Mobile Applications:** [iOS and Android apps for policy management](https://eai.uz/en)
- **Corporate Solutions:** [Specialized insurance packages for businesses](https://eai.uz/en/business)
- **Unified Insurance System:** Comprehensive information management system
- **Secure International Payments:** Payment processing according to international standards
- **API Partner Integration:** Technical integration capabilities for partners
- **AI Claims Processing:** Artificial intelligence for automated claims handling
- **25+ Years Operation:** Successful operation since company founding
- **1,000,000+ Clients:** Satisfied customer base across Uzbekistan
- **$15+ Million Payouts:** Total insurance payouts to date
- **99.7% KASKO Payouts:** High success rate for auto insurance claims
- **98% Property Payouts:** High success rate for property insurance claims
- **Moody's Rating:** International credit rating recognition
- **NAPP RUz License:** Licensed for all 17 classes in general insurance