Why is the OSGOVTS price identical at every carrier?

The tariff is set by Cabinet of Ministers resolution 458 and does not depend on the company. With the same inputs — vehicle type, region, term, driver list, claim history — the premium is the same everywhere. Service differs, price does not.

So what is there to compare?

The share of premiums a carrier pays back as claims (loss ratio), the size of its book, and its licence. We show those from the NAPP half-year report, with the observation date attached.

Do you sell the policy?

No. We hand your request to the carrier you pick — they write the contract and take the money. Payment on our side arrives only after an agency contract and entry on a carrier’s agent register.

Where do the payout figures come from?

From the National Association of Professional Insurance Market Participants report for H1 2025: general-insurance payouts divided by premiums. The period and source are shown on every carrier.

Insurance

Insurance in Uzbekistan: 5 carriers, OSGOVTS from 192 000 UZS

The OSGOVTS tariff is fixed by law and identical everywhere. We compare what actually differs: the share of premiums a carrier returns as claims.

5

carriers

3

insurance classes

192 000 UZS

OSGOVTS, passenger car

OSGOVTS

Compulsory motor liability. Price fixed by law, service is not.

KASKO

Voluntary own-damage cover — the one class where price and terms really differ.

Travel

Soon

Trips abroad: medical limit, territory, luggage.

Personal accident

Soon

Payout for injury or loss of capacity to work.

Private medical

Soon

Clinics, limits, programmes.

Sorted by the share of premiums paid back as claims (loss ratio, NAPP H1 2025), highest first. No paid placements in this list.

Carrier

General-insurance payouts divided by premiums. NAPP data for H1 2025.

An information service, not an offer. We are not an insurer and take no payments: your request is passed to the carrier you choose, and the contract and payment are theirs. Figures are published from public reports with their date and source.

Guides

OSGOVTS price in 2026

How compulsory car insurance is calculated and why carriers quote the same price.

What KASKO means

Voluntary cover for damage to your own vehicle.

Insurance deductible

Why a low price can mean a larger out-of-pocket payment.

Travel insurance

Medical limit, territory, luggage, and sports cover.

What loss ratio means

How to read insurer payouts.

What happens after a lead

How farq.uz hands a lead to an operator.

FAQ

Why is the OSGOVTS price identical at every carrier?: The tariff is set by Cabinet of Ministers resolution 458 and does not depend on the company. With the same inputs — vehicle type, region, term, driver list, claim history — the premium is the same everywhere. Service differs, price does not.
So what is there to compare?: The share of premiums a carrier pays back as claims (loss ratio), the size of its book, and its licence. We show those from the NAPP half-year report, with the observation date attached.
Do you sell the policy?: No. We hand your request to the carrier you pick — they write the contract and take the money. Payment on our side arrives only after an agency contract and entry on a carrier’s agent register.
Where do the payout figures come from?: From the National Association of Professional Insurance Market Participants report for H1 2025: general-insurance payouts divided by premiums. The period and source are shown on every carrier.