Kapital Sug‘urta vs Gross Sug‘urta: insurance company comparison
Updated: 10.11.2026 18:05More details
Comparison of Kapital Sug‘urta (Капитал Сугурта) 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: Kapital Sug‘urta — rank 3, Gross Sug‘urta — rank 5.
Also known as: Капитал Сугурта 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The information is taken from insurers’ websites and may be out of date.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
 Kapital Sug‘urta / Капитал Сугурта |
 Gross Sug‘urta / Гросс Сугурта |
|
|---|---|---|
| Rank in general insurance | 3 of 29 | 5 of 29 |
| Net premiums | 480.9 billion UZS | 385.5 billion UZS |
| Year on year | +108.2% | +47.2% |
| All premiums | 489.2 billion UZS | 453.1 billion UZS |
| Market share | 8.1% | 6.5% |
| Payouts | 41.8 billion UZS | 203.9 billion UZS |
| Payout ratio | 8.5% | 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
| Kapital Sug‘urta / Капитал Сугурта |
Gross Sug‘urta / Гросс Сугурта |
|
|---|---|---|
| Head office | 1 | 1 |
| Branches | 14 | 68 |
| Service centres | 15 | 6 |
| Departments | 16 | 0 |
| Other units | 1 | 0 |
| Offices in total | 47 | 75 |
| Offices on the map | yes | yes |
Products by type of insurance
| Kapital Sug‘urta / Капитал Сугурта |
Gross Sug‘urta / Гросс Сугурта |
|
|---|---|---|
| Motor insurance | 0 | 10 |
| Personal insurance | 0 | 3 |
| Health insurance | 0 | 2 |
| Travel insurance | 0 | 6 |
| Property insurance | 0 | 6 |
| Liability insurance | 0 | 3 |
| Business insurance | 0 | 4 |
| Other insurance | 0 | 1 |
| Products in total | 0 | 35 |
| Compulsory motor liability (OSGO) | no | yes |
| KASKO programmes | 0 | 3 |
| Can be bought online | 0 | 22 |
| With a published price | 0 | 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.
Kapital Sug‘urta · Gross Sug‘urta
About the companies
| Kapital Sug‘urta / Капитал Сугурта |
Gross Sug‘urta / Гросс Сугурта |
|
|---|---|---|
| Founded | February 1991 | 2011 |
| Charter capital | 80 billion UZS | 35,2 billion UZS (a 2020 entry in the “Company history”; the current value was not found on the website) |
| Phone | +998 71 200-11-00 | +998 71 207-00-11 |
| Company website | kapitalsugurta.uz ↗ | gross.uz ↗ |
Mobile apps
| Kapital Sug‘urta / Капитал Сугурта |
Gross Sug‘urta / Гросс Сугурта |
|
|---|---|---|
| App | Kapital Sug'urta | — |
| Overall score | 2.47 (136) | — |
| Google Play | 2.47 (136) ↗ | — |
| App Store | — | — |
| Rank | 3 | — |
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
Compare Kapital Sug‘urta with another company
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Frequently asked questions
Which company is bigger — Kapital Sug‘urta or Gross Sug‘urta?
In the NAPP report as of 01.07.2026, in general insurance, Kapital Sug‘urta is at rank 3 and Gross Sug‘urta at rank 5. Net premiums year to date: Kapital Sug‘urta — 480.9 billion 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 Kapital Sug‘urta and Gross Sug‘urta?
In the NAPP report as of 01.07.2026: Kapital Sug‘urta — 8.5%, 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 — Kapital Sug‘urta or Gross Sug‘urta?
According to the companies’ websites: Kapital Sug‘urta has 47 offices, Gross Sug‘urta has 75 offices.
Can I buy compulsory motor liability insurance from Kapital Sug‘urta and Gross Sug‘urta?
According to the companies’ websites, only Gross 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 — Kapital Sug‘urta or Gross Sug‘urta?
Links to buy online: Kapital Sug‘urta — 0 products, Gross Sug‘urta — 22 products. The company itself, not this site, arranges and issues the policy.