Question 1

What is OSAGO and is it mandatory?

Accepted Answer

OSAGO is compulsory third-party liability car insurance. Under the law of the Republic of Uzbekistan, every car owner must have a valid OSAGO policy. You can be fined by traffic police if you drive without one.

Question 2

How long does it take to get a policy?

Accepted Answer

It takes 3 to 5 minutes. You enter your license plate and technical passport number, choose an insurer, pay online — and the policy arrives by email immediately after payment.

Question 3

How can I pay for insurance online?

Accepted Answer

We accept payment via Payme, Uzum (Click), and Visa/Mastercard bank cards. All payments are secured and processed through official payment systems.

Question 4

Does the policy arrive immediately or do I need to wait?

Accepted Answer

The electronic policy is sent to your email instantly after payment confirmation. A download link also arrives by SMS. The policy is valid immediately — you can show it to a traffic inspector from your phone.

Question 5

Do traffic inspectors accept electronic policies?

Accepted Answer

Yes. An electronic OSAGO policy has the same legal force as a paper one. The inspector can verify it through the unified database using your license plate number.

Question 6

What should I do if I have an accident?

Accepted Answer

Call your insurance company at the number listed in your policy. Record the accident with a traffic police officer, gather all documents, and contact the insurer for a payout. We're also here to help — contact our support team.

Question 7

Can I insure someone else's car?

Accepted Answer

Yes, you can get a policy for a car you drive under a power of attorney or as a listed driver. You will need the car's technical passport details and license plate number.

Question 8

What is the difference between KASKO and OSAGO?

Accepted Answer

OSAGO is mandatory insurance that covers damage you cause to other parties in an accident. KASKO is voluntary and covers damage to your own vehicle: theft, accidents, natural disasters, and vandalism.

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