Apex Insurance vs Gross Sug‘urta: insurance company comparison
Updated: 10.11.2026 18:05More details
Comparison of Apex Insurance (Апекс Иншуранс) and Gross Sug‘urta (Гросс Сугурта): NAPP figures, offices, products by type of insurance, compulsory motor liability, KASKO and online purchase on one page. Products and offices are as published on the companies’ websites on 23.10.2026.
In the NAPP report as of 01.07.2026, in general insurance: Apex Insurance — rank 1, Gross Sug‘urta — rank 5.
Also known as: Апекс Иншуранс and Гросс Сугурта
Highlighted: more offices, more products that can be bought online and a higher app score. Premiums, payouts and the number of products are not highlighted: they show the size of a company, not the quality of its service. Policy prices are not compared here: companies price KASKO, voluntary health and other voluntary insurance individually, and the compulsory motor liability tariff is set by the state and is the same everywhere. The comparison is for reference: check the terms with the insurer.
The information is taken from insurers’ websites and may be out of date. Check conditions, tariffs and the licence status with the insurer. It is not a recommendation or an offer to conclude a contract.
NAPP figures
 Apex Insurance / Апекс Иншуранс |
 Gross Sug‘urta / Гросс Сугурта |
|
|---|---|---|
| Rank in general insurance | 1 of 29 | 5 of 29 |
| Net premiums | 1.52 trillion UZS | 385.5 billion UZS |
| Year on year | +41.2% | +47.2% |
| All premiums | 2.07 trillion UZS | 453.1 billion UZS |
| Market share | 25.6% | 6.5% |
| Payouts | 927 billion UZS | 203.9 billion UZS |
| Payout ratio | 44.7% | 45% |
Source: NAPP report as of 01.07.2026; premiums and payouts are year to date, “Year on year” is premium growth against the same date last year. Net premiums are all premiums minus those ceded to reinsurers. The payout ratio is payouts divided by all premiums; it can exceed 100% because payouts are also made under contracts from previous years. NAPP report ↗
Offices
| Apex Insurance / Апекс Иншуранс |
Gross Sug‘urta / Гросс Сугурта |
|
|---|---|---|
| Head office | 1 | 1 |
| Branches | 57 | 68 |
| Service centres | 27 | 6 |
| Departments | 44 | 0 |
| Offices in total | 129 | 75 |
| Offices on the map | yes | yes |
Products by type of insurance
| Apex Insurance / Апекс Иншуранс |
Gross Sug‘urta / Гросс Сугурта |
|
|---|---|---|
| Motor insurance | 5 | 10 |
| Personal insurance | 2 | 3 |
| Health insurance | 1 | 2 |
| Travel insurance | 2 | 6 |
| Property insurance | 1 | 6 |
| Liability insurance | 2 | 3 |
| Business insurance | 1 | 4 |
| Other insurance | 2 | 1 |
| Products in total | 16 | 35 |
| Compulsory motor liability (OSGO) | yes | yes |
| KASKO programmes | 2 | 3 |
| Can be bought online | 16 | 22 |
| With a published price | 5 | 1 |
The number of products follows the pages on the companies’ websites: one company splits a programme into several products, another combines them, so more products does not always mean a wider choice. Prices are not compared.
Apex Insurance · Gross Sug‘urta
About the companies
| Apex Insurance / Апекс Иншуранс |
Gross Sug‘urta / Гросс Сугурта |
|
|---|---|---|
| Founded | 3 August 2018 | 2011 |
| Charter capital | 1,06 trillion UZS | 35,2 billion UZS (a 2020 entry in the “Company history”; the current value was not found on the website) |
| Phone | +998 71 203-08-08 | +998 71 207-00-11 |
| Company website | apexinsurance.uz ↗ | gross.uz ↗ |
Compare Apex Insurance with another company
Compare Gross Sug‘urta with another company
← Compare insurers · All insurance companies
Frequently asked questions
Which company is bigger — Apex Insurance or Gross Sug‘urta?
In the NAPP report as of 01.07.2026, in general insurance, Apex Insurance is at rank 1 and Gross Sug‘urta at rank 5. Net premiums year to date: Apex Insurance — 1.52 trillion UZS, Gross Sug‘urta — 385.5 billion UZS. The size of a company says nothing about the quality of its service.
What is the payout ratio of Apex Insurance and Gross Sug‘urta?
In the NAPP report as of 01.07.2026: Apex Insurance — 44.7%, Gross Sug‘urta — 45%. This is payouts divided by premiums year to date; it can exceed 100% because payouts are also made under contracts from previous years. The payout ratio alone does not make a company better or worse.
Which company has more offices — Apex Insurance or Gross Sug‘urta?
According to the companies’ websites: Apex Insurance has 129 offices, Gross Sug‘urta has 75 offices.
Can I buy compulsory motor liability insurance from Apex Insurance and Gross Sug‘urta?
Yes, both companies offer it. The tariff is set by the state: the policy costs the same at every insurer.
Where can more policies be bought online — Apex Insurance or Gross Sug‘urta?
Links to buy online: Apex Insurance — 16 products, Gross Sug‘urta — 22 products. The company itself, not this site, arranges and issues the policy.