Kafil Sug‘urta vs Trust Insurance: insurance company comparison
Updated: 10.11.2026 18:05More details
Comparison of Kafil Sug‘urta (Кафил Сугурта) and Trust Insurance (Траст 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: Kafil Sug‘urta — rank 8, Trust Insurance — rank 9.
Also known as: Кафил Сугурта and Траст 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The information is taken from insurers’ websites and may be out of date.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
 Kafil Sug‘urta / Кафил Сугурта |
 Trust Insurance / Траст Иншуранс |
|
|---|---|---|
| Rank in general insurance | 8 of 29 | 9 of 29 |
| Net premiums | 174.2 billion UZS | 157.4 billion UZS |
| Year on year | +30.5% | +26.2% |
| All premiums | 192.8 billion UZS | 158.1 billion UZS |
| Market share | 2.9% | 2.6% |
| Payouts | 34.9 billion UZS | 49.4 billion UZS |
| Payout ratio | 18.1% | 31.2% |
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
| Kafil Sug‘urta / Кафил Сугурта |
Trust Insurance / Траст Иншуранс |
|
|---|---|---|
| Head office | 1 | 1 |
| Branches | 51 | 14 |
| Other units | 3 | 0 |
| Offices in total | 55 | 15 |
| Offices on the map | no | yes |
Products by type of insurance
| Kafil Sug‘urta / Кафил Сугурта |
Trust Insurance / Траст Иншуранс |
|
|---|---|---|
| Motor insurance | 9 | 3 |
| Personal insurance | 7 | 7 |
| Health insurance | 0 | 2 |
| Travel insurance | 1 | 1 |
| Property insurance | 2 | 2 |
| Liability insurance | 4 | 2 |
| Business insurance | 3 | 0 |
| Other insurance | 0 | 1 |
| Products in total | 26 | 18 |
| Compulsory motor liability (OSGO) | yes | yes |
| KASKO programmes | 6 | 0 |
| Can be bought online | 23 | 18 |
| With a published price | 0 | 0 |
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.
Kafil Sug‘urta · Trust Insurance
About the companies
| Kafil Sug‘urta / Кафил Сугурта |
Trust Insurance / Траст Иншуранс |
|
|---|---|---|
| Founded | 21 May 2004 | 28 February 2020 |
| Charter capital | 80,7 billion UZS | 100 billion UZS (authorised charter capital) |
| Phone | +998 71 200-04-14 | +998 55 513-64-64 |
| Company website | kafil.uz ↗ | trustinsurance.uz ↗ |
Compare Kafil Sug‘urta with another company
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Frequently asked questions
Which company is bigger — Kafil Sug‘urta or Trust Insurance?
In the NAPP report as of 01.07.2026, in general insurance, Kafil Sug‘urta is at rank 8 and Trust Insurance at rank 9. Net premiums year to date: Kafil Sug‘urta — 174.2 billion UZS, Trust Insurance — 157.4 billion UZS. The size of a company says nothing about the quality of its service.
What is the payout ratio of Kafil Sug‘urta and Trust Insurance?
In the NAPP report as of 01.07.2026: Kafil Sug‘urta — 18.1%, Trust Insurance — 31.2%. 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 — Kafil Sug‘urta or Trust Insurance?
According to the companies’ websites: Kafil Sug‘urta has 55 offices, Trust Insurance has 15 offices.
Can I buy compulsory motor liability insurance from Kafil Sug‘urta and Trust Insurance?
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 — Kafil Sug‘urta or Trust Insurance?
Links to buy online: Kafil Sug‘urta — 23 products, Trust Insurance — 18 products. The company itself, not this site, arranges and issues the policy.