Temiryo‘l-Sug‘urta vs O‘zagrosug‘urta: insurance company comparison
Updated: 10.11.2026 17:05More details
Comparison of Temiryo‘l-Sug‘urta (Темирйул-Сугурта) and O‘zagrosug‘urta (Узагросугурта): 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: Temiryo‘l-Sug‘urta — rank 16, O‘zagrosug‘urta — rank 17.
Also known as: Темирйул-Сугурта and Узагросугурта
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The information is taken from insurers’ websites and may be out of date.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
 Temiryo‘l-Sug‘urta / Темирйул-Сугурта |
 O‘zagrosug‘urta / Узагросугурта |
|
|---|---|---|
| Rank in general insurance | 16 of 29 | 17 of 29 |
| Net premiums | 88.5 billion UZS | 88.1 billion UZS |
| Year on year | +34.7% | +85.4% |
| All premiums | 93.1 billion UZS | 94.6 billion UZS |
| Market share | 1.5% | 1.5% |
| Payouts | 14.8 billion UZS | 36.6 billion UZS |
| Payout ratio | 15.9% | 38.7% |
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
| Temiryo‘l-Sug‘urta / Темирйул-Сугурта |
O‘zagrosug‘urta / Узагросугурта |
|
|---|---|---|
| Head office | 1 | 1 |
| Branches | 14 | 14 |
| Service centres | 0 | 178 |
| Offices in total | 15 | 193 |
| Offices on the map | no | no |
Products by type of insurance
| Temiryo‘l-Sug‘urta / Темирйул-Сугурта |
O‘zagrosug‘urta / Узагросугурта |
|
|---|---|---|
| Motor insurance | 6 | 2 |
| Personal insurance | 1 | 7 |
| Health insurance | 0 | 1 |
| Travel insurance | 1 | 1 |
| Property insurance | 3 | 0 |
| Liability insurance | 3 | 0 |
| Business insurance | 4 | 0 |
| Other insurance | 0 | 1 |
| Products in total | 18 | 12 |
| Compulsory motor liability (OSGO) | yes | yes |
| KASKO programmes | 1 | 0 |
| Can be bought online | 6 | 12 |
| With a published price | 2 | 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.
Temiryo‘l-Sug‘urta · O‘zagrosug‘urta
About the companies
| Temiryo‘l-Sug‘urta / Темирйул-Сугурта |
O‘zagrosug‘urta / Узагросугурта |
|
|---|---|---|
| Founded | 2002 | 25 February 1997 |
| Charter capital | 75 billion UZS (increased by decision of the general shareholders’ meeting based on 2023 results) | almost 109 billion UZS |
| Phone | +998 71 207-19-01 | +998 71 203-20-22 |
| Company website | tys.uz ↗ | agros.uz ↗ |
Compare Temiryo‘l-Sug‘urta with another company
Compare O‘zagrosug‘urta with another company
← Compare insurers · All insurance companies
Frequently asked questions
Which company is bigger — Temiryo‘l-Sug‘urta or O‘zagrosug‘urta?
In the NAPP report as of 01.07.2026, in general insurance, Temiryo‘l-Sug‘urta is at rank 16 and O‘zagrosug‘urta at rank 17. Net premiums year to date: Temiryo‘l-Sug‘urta — 88.5 billion UZS, O‘zagrosug‘urta — 88.1 billion UZS. The size of a company says nothing about the quality of its service.
What is the payout ratio of Temiryo‘l-Sug‘urta and O‘zagrosug‘urta?
In the NAPP report as of 01.07.2026: Temiryo‘l-Sug‘urta — 15.9%, O‘zagrosug‘urta — 38.7%. 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 — Temiryo‘l-Sug‘urta or O‘zagrosug‘urta?
According to the companies’ websites: Temiryo‘l-Sug‘urta has 15 offices, O‘zagrosug‘urta has 193 offices.
Can I buy compulsory motor liability insurance from Temiryo‘l-Sug‘urta and O‘zagrosug‘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 — Temiryo‘l-Sug‘urta or O‘zagrosug‘urta?
Links to buy online: Temiryo‘l-Sug‘urta — 6 products, O‘zagrosug‘urta — 12 products. The company itself, not this site, arranges and issues the policy.