Hamkor Sug‘urta vs Semurg Insurance: insurance company comparison
Updated: 10.11.2026 18:05More details
Comparison of Hamkor Sug‘urta (Хамкор Сугурта) and Semurg Insurance (Семург Иншуранс): 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: Hamkor Sug‘urta — rank 26, Semurg Insurance — rank 27.
Also known as: Хамкор Сугурта and Семург Иншуранс
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The information is taken from insurers’ websites and may be out of date.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
 Hamkor Sug‘urta / Хамкор Сугурта |
 Semurg Insurance / Семург Иншуранс |
|
|---|---|---|
| Rank in general insurance | 26 of 29 | 27 of 29 |
| Net premiums | 16.9 billion UZS | 7.5 billion UZS |
| Year on year | +79% | −71.9% |
| All premiums | 17 billion UZS | 7.8 billion UZS |
| Market share | 0.3% | 0.1% |
| Payouts | 2.3 billion UZS | 3.1 billion UZS |
| Payout ratio | 13.4% | 39.5% |
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
| Hamkor Sug‘urta / Хамкор Сугурта |
Semurg Insurance / Семург Иншуранс |
|
|---|---|---|
| Head office | 1 | 1 |
| Branches | 14 | 13 |
| Service centres | 0 | 5 |
| Offices in total | 15 | 19 |
| Offices on the map | no | no |
Products by type of insurance
| Hamkor Sug‘urta / Хамкор Сугурта |
Semurg Insurance / Семург Иншуранс |
|
|---|---|---|
| Motor insurance | 2 | 3 |
| Personal insurance | 2 | 4 |
| Travel insurance | 0 | 2 |
| Property insurance | 2 | 1 |
| Liability insurance | 2 | 0 |
| Other insurance | 2 | 3 |
| Products in total | 10 | 13 |
| Compulsory motor liability (OSGO) | yes | no |
| KASKO programmes | 1 | 3 |
| Can be bought online | 3 | 6 |
| With a published price | 0 | 6 |
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.
Hamkor Sug‘urta · Semurg Insurance
About the companies
| Hamkor Sug‘urta / Хамкор Сугурта |
Semurg Insurance / Семург Иншуранс |
|
|---|---|---|
| Founded | 6 July 2009 | 9 April 2020 |
| Charter capital | 35 billion UZS | 45 billion UZS |
| Phone | +998 55 502-09-01 | +998 71 205-11-55 |
| Company website | hamkor-sugurta.uz ↗ | semurginsurance.uz ↗ |
Mobile apps
| Hamkor Sug‘urta / Хамкор Сугурта |
Semurg Insurance / Семург Иншуранс |
|
|---|---|---|
| App | — | Semurg Insurance |
| Overall score | — | 5.00 (20) |
| Google Play | — | 5.00 (10) ↗ |
| App Store | — | 5.00 (10) ↗ |
| Rank | — | — |
Retail apps by their Google Play and App Store ratings. If a company has several apps, the one ranked higher is compared; a rank is given to apps with at least 30 ratings, and a value is highlighted only if both apps have that many. Rating of bank and insurance company apps
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Frequently asked questions
Which company is bigger — Hamkor Sug‘urta or Semurg Insurance?
In the NAPP report as of 01.07.2026, in general insurance, Hamkor Sug‘urta is at rank 26 and Semurg Insurance at rank 27. Net premiums year to date: Hamkor Sug‘urta — 16.9 billion UZS, Semurg Insurance — 7.5 billion UZS. The size of a company says nothing about the quality of its service.
What is the payout ratio of Hamkor Sug‘urta and Semurg Insurance?
In the NAPP report as of 01.07.2026: Hamkor Sug‘urta — 13.4%, Semurg Insurance — 39.5%. 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 — Hamkor Sug‘urta or Semurg Insurance?
According to the companies’ websites: Hamkor Sug‘urta has 15 offices, Semurg Insurance has 19 offices.
Can I buy compulsory motor liability insurance from Hamkor Sug‘urta and Semurg Insurance?
According to the companies’ websites, only Hamkor Sug‘urta offers it. The tariff is set by the state: the policy costs the same at every insurer.
Where can more policies be bought online — Hamkor Sug‘urta or Semurg Insurance?
Links to buy online: Hamkor Sug‘urta — 3 products, Semurg Insurance — 6 products. The company itself, not this site, arranges and issues the policy.