If the loan is insured and the insurer paid the bank the debt amount due to an insured event (such as death, disability, incapacity for work, or late loan payments), the insurance company obtains the right of regress (subrogation).

This means the insurer may recover expenses from the client if:

• The event occurred due to the borrower’s fault;

• The client violated the loan agreement;

• The client provided false information;

• The insurer fulfilled the loan obligations on behalf of the client.

This is a fully lawful procedure provided by legislation.

Upon request, the client may receive:

• An electronic copy of the contract;

• A duplicate policy;

• An insurance extract;

• Payment confirmation.
  All documents can be issued online.

Yes. The contract can be terminated:

• At the initiative of the policyholder;

• At the initiative of the insurer (in accordance with the law);

• If the insured risk disappears.

Termination conditions are specified in the contract and regulated by the Civil Code.

The procedure is regulated by Article 948 of the Civil Code of Uzbekistan.
A policy may be terminated early if the insured risk disappears and no insured event occurred. For example:

• The destruction of property due to non-insured causes;

• Termination of business activities if entrepreneurial risk was insured.

In such cases, the premium is refunded proportionally to the period during which the policy was active.

The policyholder may cancel the contract at any time. If the risk has not disappeared, the premium is not refunded unless otherwise stated in the contract.

You will need:

• Application;

• Passport;

• Medical documents:

  • doctor’s report,

  • medical history,

  • medical discharge,

  • receipts for treatment;

• Incident report (if the injury occurred in an accident or at work);

• Documents confirming temporary or permanent disability (if applicable).

Imkon Sugurta provides full support:

• Registers the insured event;

• Organizes damage assessment;

• Communicates with the bank (pledgee);

• Prepares documents for repair or payout;

• Sends compensation to the bank or service center according to the contract.

For the client, the process is the same as standard claim settlement.

Required:

• Application;

• Passport;

• Driver’s license;

• Vehicle registration;

• Traffic police documents;

• Expert assessment (if available);

• Original or copy of CASCO policy;

• Photos of damages;

• Bank details.
  The company may also send its service provider for inspection.

The total MTPL liability limit is distributed as follows:

• Each victim receives compensation proportional to the actual damage;

• If the total damage exceeds the limit, payments are distributed within the maximum limit, and any remaining amount may be recovered from the at-fault party.

The notification (“Europrotocol”) can be used if:

• Only two vehicles are involved;

• No one was injured;

• Both drivers agree on the circumstances;

• Both drivers have valid MTPL policies;

• Damage does not exceed the established limit (under current rules).
  In case of disputes, the traffic police must be called.

According to the law, the at-fault driver may compensate the damage independently if the amount does not exceed the MTPL insurance limit.
The victim must provide documents confirming that the damage was compensated.

This is possible when:

• The accident is processed by a notification form;

• Damage is minor;

• There are no disputes regarding the circumstances.

You need:

• Insurance claim application;

• Passport of the injured party;

• Medical documents:

  • medical certificate,

  • medical history,

  • trauma center reports,

  • receipts and invoices for treatment;

• Traffic police documents confirming the accident;

• Tax ID/bank details for payout.
  Additional medical reports may be required for severe injuries.

Usually required:

• Insurance claim application;

• Passport;

• Vehicle documents;

• Traffic police certificate / electronic protocol;

• Accident diagram;

• Expert damage assessment;

• Photos and videos;

• Bank details;

• Power of attorney (if required).
  The exact list is confirmed by a specialist during claim registration.

A medical examination must be completed no later than 2 hours after the accident.
This requirement ensures that the test reflects the driver’s actual condition at the time of the incident.

Automatic collection is applied when the law grants the insurer the right of regress—requiring the at-fault party to reimburse the insurer for paid compensation.
The collection occurs through automated systems in accordance with Uzbekistan legislation.

The average processing time is up to 15 days from the date of submitting a complete set of documents.

The list depends on the product but typically includes:

• Insurance claim application;

• Passport;

• Documents confirming the event (certificate, report, protocol, etc.);

• Documents confirming damages (assessment, photos);

• Bank details.
  The full list is specified in the insurance contract.

Within three days from the date of the incident.

1. Notify the insurance company within 3 days.

2. Obtain the list of required documents.

3. Follow the specialist’s instructions (photos, certificates, reports, application).
   The sooner you report the event, the faster the settlement process will begin.

Travel insurance is valid worldwide—the coverage depends on the chosen tariff.
Other insurance types are valid within Uzbekistan unless otherwise specified in the contract.

Yes. The company insures both individuals and legal entities. Businesses can obtain all key insurance types: property, liability, cargo, employee, construction, machinery, and more.

You can request a duplicate:

• At an Imkon Sugurta office;

• Through your manager.

The policy will be restored from the NAPP database and resent to you.

Yes. Changes may be made to:

• Owner data;

• Vehicle information (for CASCO);

• Residential address;

• Contact information, etc.

To make changes, submit an application and provide the necessary documents.

Contact Imkon Sugurta or your manager. An employee will download the policy from the database and resend it to you in a convenient format.

• Payme;

• Click;

• Cash desks of partner banks;

• Online card payment (if supported by the product).

• For MTPL — via the official portal: https://ersp.e-osgo.uz/ru/osago/index

• For other types — via the SMS link to the policy in NAPP’s database, automatically sent after purchase.

Yes. The following products are available for online issuance on the website:

• Travel insurance;

• MTPL;

• CASCO (for tariff calculation);

• Other products connected to the website.

After payment, the client receives the electronic policy via SMS.

For most products, you need:

• Passport;

• Completed application/contract (offer).

For certain types of insurance (CASCO, property, construction), additional documents may be required as specified in the insurance terms.

Compulsory insurance (e.g., MTPL) is regulated by law and required for all vehicle owners. It protects third parties from damage that you may cause.
Voluntary insurance (CASCO, property, health, travel) is issued at the client’s request and protects your own interests.

MTPL vs CASCO:

• MTPL — covers damage to third parties.

• CASCO — covers damage to your own vehicle (including theft, natural disasters, damage caused by you or third parties).

Imkon Sugurta offers a full range of general insurance services in accordance with the License issued by the Agency for the Development of the Insurance Market under the Ministry of Finance of the Republic of Uzbekistan, License No. SF №00042 dated February 25, 2022:

• MTPL (OSAGO);
• Compulsory civil liability insurance for organizations (OSGOR and OSGOP);
• CASCO;
• Property insurance for individuals and legal entities;
• Accident insurance;
• Travel insurance;
• Insurance of special machinery and equipment;
• Cargo insurance;
• Insurance of commercial and hotel facilities;

Construction and installation insurance.
The company covers the entire list of services provided in the general insurance industry classifier.