All pages

When other persons use the information materials on the corporate website, links to the company's corporate website must be provided!

Insurance Policy Cancellation and Modification: Convenient and Beneficial

We value your trust and strive to make the process of managing your insurance policy as transparent and convenient as possible. Below you will find detailed information about the procedures for cancelling and modifying an insurance policy with our company.

Early policy cancellation

You have the full right to terminate your insurance contract before its expiration date. We guarantee the refund of funds in cases established by law. The cancellation process shall not exceed 14 calendar days from the date when all required documents are submitted.

Instructions for Early Termination of an Insurance Contract

To review an application for early termination of an insurance contract and refund of funds, a complete set of required documents must be provided. If the documents are not submitted in full, the refund period may be extended.

Documents serving as grounds for early termination of an insurance contract:
1

Application for cancellation

Must be signed by the policyholder personally. The template can be downloaded from the link.

2

Identity document

The policyholder’s passport or ID card

3

Bank details

Full bank account details for transferring the refund amount

4

Documents confirming the grounds

A document issued by the bank confirming the full early repayment of the microloan.

Step-by-step process for early termination of an insurance contract

Process timeline:

Day 1 Submission of the application and documents

Up to 3 days Reviewing the documents and verifying the grounds

Up to 14 days Transfer of funds to the specified bank account

Sug‘urta shartnomasini muddatidan avval bekor qilishda siz o‘zinga ma’qul usulni tanlashingiz mumkin:

  • - Submit an application through the online website
  • - Via the @imkonsugurta Telegram link
  • - Via the email address infosugurta@imkonsugurta.uz
  • - By calling +998 (78) 207-48-84

In which cases can a refund be issued?

According to the terms of the public offer of “Imkon sugurta” JSC, a partial refund of the insurance premium is possible in the following cases:

  • When the possibility of an insured event occurring no longer exists
  • At the request of the insured, in the event of early repayment of a microloan obtained from a bank
How the refund is calculated:
  • The insurance contract is terminated from the date the application is submitted.
  • The refundable amount is calculated proportionally to the number of days remaining until the expiration of the policy.
  • - O‘zbekiston Respublikasi qonunchiligi (O‘RQ-155-son Qonun) sug'urta kompaniyalariga sug‘urta to‘lovining 25% gacha xarajatlar sifatida ushlab qolishga ruxsat beradi.

When the paid insurance premium is not refundable

In some cases, the funds paid for the unused insurance period may not be refundable. To avoid any inconvenience, we recommend that you familiarize yourself with these conditions in advance.

  • - If the reasons for terminating the insurance contract are not provided for by the legislation of the Republic of Uzbekistan
  • - If the insurance contract has expired
  • - If it is determined that inaccurate or incomplete information was provided at the time of concluding the contract
  • - In other cases specified or not specified in the insurance contract

Key Considerations

For Representatives:
  • If the application is submitted by the policyholder’s representative rather than the policyholder, a notarized power of attorney authorizing the representative to terminate the insurance contract and receive the premium refund is required.
  • We recommend submitting your cancellation request as soon as possible after the qualifying grounds arise. This helps avoid potential complications and maximizes the amount of premium eligible for refund.

    Submit an Application for Early Termination of the Insurance Contract