1. Prepare the passport or ID card of the owner, the data of the car and the driving licenses of the persons who need to be included in the restricted policy;
2. Go to the insurance company’s website and enter the state number of the vehicle;
3. Select the type of CCLIVO: limited – with specified drivers, or unlimited – with no limit on the number of drivers;
4. Check the owner and vehicle details, then pay for insurance online;
5. Get your e-policy and make sure that it is registered in the unified information system.
Forget about the trips to the insurance company's office, waiting in long queues, and dealing with paperwork. Today in Uzbekistan, you can purchase mandatory motor liability insurance (CCLIVO) online via your phone or computer; and most of the information about the car on some services is downloaded automatically. An electronic policy holds the same legal validity as a paper one but saves you time and effort. In this instruction, we will detail how to go through the whole process quickly and without mistakes.
What should be prepared before getting started
To arrange the compulsory civil liability insurance for vehicle owners (CCLIVO) without delay, it is best to prepare the owner, vehicle and driver information in advance. Under current regulations, the following documents may be required when concluding the contract:
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Passport or ID card of the policyholder and the persons authorized to drive the vehicle;
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Technical passport or vehicle registration certificate;
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Driver's licenses of the persons to be included in the insurance policy (if purchasing a policy with a limited number of drivers);
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Documents confirming eligibility for benefits, if the policyholder belongs to the relevant category;
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Bank card or another available online payment method.
When applying online, it is not always necessary to enter all information manually. The legislation allows the insurer not to request documents if the required data is already available in the unified information database.
3 easy steps to obtain CCLIVO
The insurance purchasing process is broken down into several logical stages to prevent confusion when entering information. At each stage, the user is guided by prompts and real-time validation of the entered data. The entire procedure is designed so that even a novice smartphone user can complete it without assistance. Let’s walk through each of the four steps — from selecting the service to receiving the final file.
Step 1. Choose a platform to purchase your policy
Mandatory motor liability insurance should be arranged through an insurance company authorized to provide CCLIVO or through a service that works with such insurers. The vehicle owner has the right to choose the insurance company independently.
One of the options is to purchase your CCLIVO policy directly through the official Gross Insurance website. On the service page, you can calculate the cost and enter your details online without visiting an office. The platform supports the online purchase of the compulsory motor insurance.
Step 2. Fill in Your Details and Estimate the Cost
After proceeding to the application, you will need to enter the information requested by the system. Typically, this includes details about the vehicle, the policyholder, and the insurance terms.
Please pay attention to the following details:
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License plate number and vehicle information;
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Type of insurance policy;
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Driver details, if the limited option is selected.
The Gross website offers a limited option that covers up to five drivers. Legislation also provides for insurance with no limit on the number of individuals authorized to drive the vehicle.
The unlimited policy does not mean that the vehicle may be driven by anyone, regardless of other legal requirements. It only removes the limit on the number of drivers covered by the CCLIVO policy.
Step 3. Obtain and save your CCLIVO policy
The whole process of getting the document takes between 1 and 3 minutes. Immediately after the transaction is completed, the system will generate your electronic policy. The completed document will be sent via SMS as a PDF file with a link.
Your insurance becomes effective on the date specified during the application process. From that moment, you can legally use your vehicle. Save the document on your smartphone or in another secure location. It is also a good idea to keep a copy on your computer or in cloud storage so that you can access it quickly if needed.
Is it necessary to print your electronic policy?
Under the laws of the Republic of Uzbekistan, you are not required to carry a printed copy of your insurance policy. Traffic policemen can verify the availability of your insurance using a tablet by checking your vehicle’s license plate number or through the QR-code on your smartphone. However, the experienced drivers recommend taking a few simple steps as a precaution.
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Download the policy file to your smartphone so it is accessible without an internet connection;
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Save the insurance policy number and series separately;
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Check the validity period and vehicle details immediately after receiving the document.
You may print a paper copy for your own convenience; however, it is not a mandatory supplement to the electronic policy in cases when the law allows the relevant information to be verified through the electronic system.
How to check the validity of your insurance policy
You can always verify that your insurance is active and registered in the state system. To do this, use the official portal of the unified information system at ersp.e-osgo.uz. To complete the check follow these steps below.
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Visit the official portal of the ersp.e-osgo.uz information system;
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Enter the vehicle's license plate number or the series number of the issued CCLIVO policy;
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Get the confirmation of the current status from the unified state register.
After entering data, the system will display detailed information about the insurance status. Thus you will be definitively assured of the correctness and legitimacy of the document received. Now your vehicle is fully insured and ready for safe driving.
