My-Insurance vs Kapital Sug‘urta: insurance company comparison
Updated: 10.11.2026 18:05More details
Comparison of My-Insurance (Май Иншуранс) and Kapital Sug‘urta (Капитал 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: My-Insurance — rank 2, Kapital Sug‘urta — rank 3.
Also known as: Май Иншуранс and Капитал 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The information is taken from insurers’ websites and may be out of date.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
 My-Insurance / Май Иншуранс |
 Kapital Sug‘urta / Капитал Сугурта |
|
|---|---|---|
| Rank in general insurance | 2 of 29 | 3 of 29 |
| Net premiums | 483.9 billion UZS | 480.9 billion UZS |
| Year on year | +36.5% | +108.2% |
| All premiums | 485.9 billion UZS | 489.2 billion UZS |
| Market share | 8.1% | 8.1% |
| Payouts | 89.9 billion UZS | 41.8 billion UZS |
| Payout ratio | 18.5% | 8.5% |
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
| My-Insurance / Май Иншуранс |
Kapital Sug‘urta / Капитал Сугурта |
|
|---|---|---|
| Head office | 1 | 1 |
| Branches | 15 | 14 |
| Service centres | 9 | 15 |
| Departments | 1 | 16 |
| Other units | 0 | 1 |
| Offices in total | 26 | 47 |
| Offices on the map | no | yes |
Products by type of insurance
| My-Insurance / Май Иншуранс |
Kapital Sug‘urta / Капитал Сугурта |
|
|---|---|---|
| Motor insurance | 4 | 0 |
| Personal insurance | 5 | 0 |
| Travel insurance | 2 | 0 |
| Property insurance | 4 | 0 |
| Other insurance | 2 | 0 |
| Products in total | 17 | 0 |
| Compulsory motor liability (OSGO) | yes | no |
| KASKO programmes | 1 | 0 |
| Can be bought online | 14 | 0 |
| 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.
My-Insurance · Kapital Sug‘urta
About the companies
| My-Insurance / Май Иншуранс |
Kapital Sug‘urta / Капитал Сугурта |
|
|---|---|---|
| Founded | 2009 | February 1991 |
| Charter capital | — | 80 billion UZS |
| Phone | +998 71 205-19-19 | +998 71 200-11-00 |
| Company website | myinsurance.uz ↗ | kapitalsugurta.uz ↗ |
Mobile apps
| My-Insurance / Май Иншуранс |
Kapital Sug‘urta / Капитал Сугурта |
|
|---|---|---|
| App | MY INSURANCE | Kapital Sug'urta |
| Overall score | 5.00 (1) | 2.47 (136) |
| Google Play | — | 2.47 (136) ↗ |
| App Store | 5.00 (1) ↗ | — |
| 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 My-Insurance with another company
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Frequently asked questions
Which company is bigger — My-Insurance or Kapital Sug‘urta?
In the NAPP report as of 01.07.2026, in general insurance, My-Insurance is at rank 2 and Kapital Sug‘urta at rank 3. Net premiums year to date: My-Insurance — 483.9 billion UZS, Kapital Sug‘urta — 480.9 billion UZS. The size of a company says nothing about the quality of its service.
What is the payout ratio of My-Insurance and Kapital Sug‘urta?
In the NAPP report as of 01.07.2026: My-Insurance — 18.5%, Kapital Sug‘urta — 8.5%. 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 — My-Insurance or Kapital Sug‘urta?
According to the companies’ websites: My-Insurance has 26 offices, Kapital Sug‘urta has 47 offices.
Can I buy compulsory motor liability insurance from My-Insurance and Kapital Sug‘urta?
According to the companies’ websites, only My-Insurance offers it. The tariff is set by the state: the policy costs the same at every insurer.
Where can more policies be bought online — My-Insurance or Kapital Sug‘urta?
Links to buy online: My-Insurance — 14 products, Kapital Sug‘urta — 0 products. The company itself, not this site, arranges and issues the policy.