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Calculate your OSAGO policy

Enter the vehicle and driver details — we show the price right away, no office visit needed.

What the policy gives

What OSAGO compensates

The policy covers harm caused to other road users through your fault: their vehicle, health and property. The compensation procedure is set by the OSAGO law.

Victims' property

Damage to vehicles and other property of third parties.

Life and health

Harm to the life and health of people injured in the accident.

Compensation limits

Up to 65% of the sum insured for harm to life and health, up to 35% for property damage. If there are several victims, the compensation is divided proportionally to the harm done to each (art. 22 of the OSAGO law).

What is not an insured event

Moral harm and lost profit; damage to the at-fault driver’s own vehicle and the carried cargo; races and driving lessons; harm to cultural valuables, jewellery, securities and cash; harm caused by the victim’s intentional actions (art. 8).

Direct settlement

If you are the one injured in the accident and your policy is also issued by Alfa Invest, you can claim compensation from us instead of the at-fault party’s insurer (art. 20).

Policy duration

How long protection lasts

Choose the policy term: 1 year, 6 months (seasonal use) or 20 days (for the trip to the place of registration).

You choose the start date of the policy yourself when you apply.

The application must be paid on the day it is made, before 23:59, otherwise it is cancelled.

After buying a vehicle you have 10 days to insure your liability — counted from the moment the ownership right arises (art. 6 of the OSAGO law).

For vehicles registered abroad and temporarily used in Uzbekistan, the policy is issued for the entire period of use, but for at least 15 days (art. 9).

Included in the policy

What you get

Fully online — from quote to policy: pay and get the electronic document by email, no office visit needed.

50% discount — for pensioners and people with disabilities if the car belongs to them (art. 13 of the OSAGO law).

Drivers — a limited list or unlimited, as you choose.

Statutory timelines — the decision on payment is made within 15 calendar days, and the payment is made no later than 5 working days after the decision (art. 23 of the OSAGO law).

Expertise at the insurer’s expense — inspection, independent assessment and the medical test of the participants are included in the compensated loss (art. 21 and 22).

Penalty for delay — if the payment is delayed, the insurer additionally pays a penalty based on the bank base rate (art. 23).

Frequently asked

Questions and answers

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Documents

Rules, offer and forms for this product, current editions.

All documents

Contracts and offers

Public offer on the terms of online issuance of an E-policy (electronic policy) for compulsory motor third-party liability insurancePDF · 308 KBUpdated: 1 January 2026Opens in a new tab