• Compulsory civil liability insurance for vehicle owners (CCLIVO) is the only mandatory policy. Without it, it is illegal to operate a vehicle;
• Since January 1, 2026, the maximum insured amount for MTPL has been increased from 40 to 80 million soums (Resolution No. 458 dated July 23, 2025);
• Cost of CCLIVO for a passenger car: 192 000 soums (Tashkent/Tashkent region), 160 000 soums (regions). The rate is fixed by law;
• CASCO is a voluntary insurance. It covers damage to your vehicle, theft and natural disasters. Mandatory for car loans;
• Both policies are drawn up and issued only in electronic form.

 

CCLIVO - Compulsory civil liability insurance policy

 

CCLIVO - Compulsory civil liability insurance policy is the first document, which is processed immediately after registration of the car. The absence of a policy entails administrative liability. The policy is valid for up to one year and requires annual renewal.

 

What CCLIVO covers

 

The policy protects not your car, but rather the victims of an accident you caused. The compensation is paid within 5 business days after signing the certificate of accident recognition as an insurance case. The client provides the damage assessment; the insurance company verifies it without appointing its own expert.

 

• Damage to the property of the victim – up to 35% of the insured amount;
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• Harm to the life and health of the victim – up to 65% of the insured amount.

 

The maximum insured amount from 2026 is 80 million soums. The contract allows for the inclusion of both the owner and other persons authorized to manage the vehicle. The rate is the same for all insurers — no discounts are possible.

 

CCLIVO tariffs from January 1, 2026

 

Ассоrding to the decree of the Council of Ministers numbered 458 dated July 23, 2025 the system of CCLIVO underwent reforming: the insured amount was doubled, and rates were revised for the first time since 2019. A new coefficient system was introduced for drivers with insurance claims in the past 12 months. Base rates for a limited number of drivers:

 

Type of vehicle	Tashkent and Tashkent region	Other regions
Passenger car	192 000 soums	160 000 soums
Truck	336 000 soums	280 000 soums
Foreign registration (passenger car)	320 000 soums	320 000 soums

 

When purchasing a policy with an unlimited number of drivers, the cost doubles. The rate is fixed by law. The choice of the insurer affects the service, but not the policy price. The policy is drawn up and issued only in electronic form.

 

CASCO – voluntary car insurance

 

CASCO insurance protects your own vehicle, unlike the compulsory civil liability insurance for vehicle owners (CCLIVO), which covers third-party liability. The key advantage of this policy is that compensation is paid regardless of who is found to be at fault in the accident. Even if you caused the collision, the insurance will cover the cost of repairing your vehicle.

 

What CASCO covers

 

The standard package covers a wide range of risks, including the situations where the perpetrator fled the scene. The term of payment of insurance reimbursement for some companies is from 3 banking days. The specific list of risks is specified in the contract. It should be carefully reviewed before signing.

 

• Road accidents – regardless of the culprit;
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• Hijacking or theft of a vehicle and its components;
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• Vandalism and illegal actions of third parties;
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• Natural disasters: hail, flooding, hurricanes;
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• Fire, explosion, falling foreign objects.

 

Many insurers offer CASCO without the franchising – it means the full compensation for damages without additional deductions. The client provides a damage assessment; the insurance company verifies it. The policy is drawn up online in just a few minutes and issued electronically.

 

Car owners to be involved into CASCO

 

For some categories of owners, CASCO insurance is becoming a necessity rather than a recommendation. This is especially true for car loans: most banks in Uzbekistan require a valid policy as a mandatory loan condition. A single insured event — a serious accident or theft - can recoup all paid contributions multiple times.

 

• New cars – the cost of a single part often exceeds the annual policy premium;
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• Cars on credit – the bank requires the comprehensive insurance as a condition for issuing a car loan;
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• Novice drivers – allows them to gain experience without risking devastating consequences;
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• Owners of premium cars – due to the high cost of repairs and the increased risk of theft.

 

CASCO is not unnecessary expenses, but a tool for managing the financial risk. This is especially important during the first few years of owning a new car, when its market value is maximum.

 

CASCO cost: what determines the price

 

Unlike CCLIVO, CASCO rates are not regulated by the government, each insurance company sets them independently. The basic package can start at 1.3% of the vehicle's market value. For a preliminary estimate, use the online calculators on the insurer websites.

 

Aspect	Impact on the price of CASCO
Car brand and year of car production	Yes
Selected list of risks	Yes
Availability and amount of the franchise	Yes
Driver’s experience and age	No
Driver’s insurance claim history	No
Region of operation	No
Storage conditions of the car	No
Duration of processing	DYHXX organiga bormagan holda

 

The absence of a price dependency on experience and age is advantageous for novice drivers: the policy will cost them the same as to an experienced driver. This is a fundamental difference from the insurance markets of many other countries.

 

Additional services included into CASCO

 

A modern CASCO policy is not just a financial payout in case of an insured event. Most insurers also include service support, that is especially valuable in emergency situations on the road. The list of specific services depends on the selected package and the insurance company.

 

• Free vehicle towing in case of a breakdown or an accident;
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• Technical assistance for minor problems;
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• Taxi reimbursement during the repairs;
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• 24/7 support and consultations.

 

Before purchasing, check with your insurance company which services are included in the chosen package. The conditions may differ significantly even if the policy amount is the same for different insurers.

 

Exclusions from CASCO coverage

 

No policy covers everything without exceptions. The grounds for denial of payment are directly mentioned in legislation - article 7 in accordance with the resolution of the Cabinet of Ministers No. 141. The insurance company does not have the right to expand this list arbitrarily, so denials based on other grounds may be challenged.

 

• Driving under the influence of alcohol or drugs;
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• Gross violation of traffic regulations;
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• Intentional damage caused by the policyholder;
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• Using the vehicle in competitions or as a taxi (if not specified in the contract).

 

All circumstances related to the driver's condition or traffic violations are assessed by the insurer strictly within the framework of the norms of the Cabinet of Ministers decree No. 141. The arbitrary extension of grounds for refusal is illegal. If you receive a refusal, check the ruling.

 

Comparison of CCLIVO and CASCO

 

The two policies do not compete with each other; they complement each other. CCLIVO protects other road users from the consequences of your actions, while CASCO protects you and your vehicle from everything else. Together, they provide a comprehensive insurance coverage.

 

Options	CCLIVO	CASCO
Mandatory	Yes, by law	No, voluntary
What is covered	Accident victims	Your car
Fault coverage	No	Yes
Theft	No	Yes
Natural disasters	No	Yes
Online registration	Yes, completely	Yes, completely
Rate	Fixed by law	Individual calculation
Policy form	Electronic only	Electronic only
Maximum payout	Up to 80 million soums	At the vehicle's market value
Payment deadline	5 days after the report	From 3 banking days

 

For a new car in Uzbekistan, the optimal coverage is CCLIVO (Compulsory civil liability insurance for vehicle owners) and CASCO (comprehensive motor insurance). The former is mandatory by law, while the latter is a sensible tool for managing financial risks, especially during the first few years of ownership.

 

✅ In conclusion: CCLIVO is a must. CASCO is highly recommended for the owners of new, expensive and loan-financed vehicles.

 

 

 

FAQ

 

 

1.      Is driving without the compulsory motor insurance allowed?

 

No. The absence of the policy is an administrative offense. Insurance is mandatory from the moment the vehicle is first used. The absence of this insurance during a document check is subject to a fine.

 

2.      How much does CCLIVO cost in 2026?

 

The cost for a passenger car is 192 000 soums in Tashkent and the Tashkent region; 160 000 soums in other regions. The rate is fixed by law (Resolution of the Cabinet of Ministers No. 458 dated July 23, 2025). The price doubles for the policies with the unlimited number of drivers. No insurer offers discounts.

 

3.      Is CASCO insurance required for a car loan?

 

Generally, yes. Most banks in Uzbekistan require a valid CASCO policy as a mandatory condition for issuing and servicing a car loan. Check the bank's specific requirements before signing the loan agreement;

 

4.      What if the at-fault driver fled the scene?

 

In this situation, the compulsory civil liability insurance for vehicle owners (CCLIVO) does not provide compensation — the policy only covers the liability of the identified party at fault. CASCO will pay compensation even if the party at fault is not identified or flees the scene of the accident.

 

5.      Can CASCO insurance be purchased online?

 

Yes, completely. CASCO policy can be purchased online in just a few minutes and is issued electronically — on the insurance company's website or by email. CCLIVO can be purchased online only partially; the property insurance component still requires in-person processing.