Xalq Sug‘urta vs Hamkor Sug‘urta: insurance company comparison
Updated: 10.11.2026 17:05More details
Comparison of Xalq Sug‘urta (Халк Сугурта) and Hamkor Sug‘urta (Хамкор 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: Xalq Sug‘urta — rank 25, Hamkor Sug‘urta — rank 26.
Also known as: Халк Сугурта and Хамкор 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The information is taken from insurers’ websites and may be out of date.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
 Xalq Sug‘urta / Халк Сугурта |
 Hamkor Sug‘urta / Хамкор Сугурта |
|
|---|---|---|
| Rank in general insurance | 25 of 29 | 26 of 29 |
| Net premiums | 28.4 billion UZS | 16.9 billion UZS |
| Year on year | +13.8% | +79% |
| All premiums | 28.4 billion UZS | 17 billion UZS |
| Market share | 0.5% | 0.3% |
| Payouts | 10.3 billion UZS | 2.3 billion UZS |
| Payout ratio | 36.1% | 13.4% |
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
| Xalq Sug‘urta / Халк Сугурта |
Hamkor Sug‘urta / Хамкор Сугурта |
|
|---|---|---|
| Head office | 1 | 1 |
| Branches | 14 | 14 |
| Service centres | 1 | 0 |
| Offices in total | 16 | 15 |
| Offices on the map | yes | no |
Products by type of insurance
| Xalq Sug‘urta / Халк Сугурта |
Hamkor Sug‘urta / Хамкор Сугурта |
|
|---|---|---|
| Motor insurance | 4 | 2 |
| Personal insurance | 3 | 2 |
| Travel insurance | 1 | 0 |
| Property insurance | 1 | 2 |
| Liability insurance | 2 | 2 |
| Business insurance | 1 | 0 |
| Other insurance | 0 | 2 |
| Products in total | 12 | 10 |
| Compulsory motor liability (OSGO) | yes | yes |
| KASKO programmes | 1 | 1 |
| Can be bought online | 9 | 3 |
| With a published price | 3 | 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.
Xalq Sug‘urta · Hamkor Sug‘urta
About the companies
| Xalq Sug‘urta / Халк Сугурта |
Hamkor Sug‘urta / Хамкор Сугурта |
|
|---|---|---|
| Founded | 2011 | 6 July 2009 |
| Charter capital | — | 35 billion UZS |
| Phone | +998 71 202-19-66 | +998 55 502-09-01 |
| Company website | xalqsugurta.uz ↗ | hamkor-sugurta.uz ↗ |
Compare Xalq Sug‘urta with another company
Compare Hamkor Sug‘urta with another company
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Frequently asked questions
Which company is bigger — Xalq Sug‘urta or Hamkor Sug‘urta?
In the NAPP report as of 01.07.2026, in general insurance, Xalq Sug‘urta is at rank 25 and Hamkor Sug‘urta at rank 26. Net premiums year to date: Xalq Sug‘urta — 28.4 billion UZS, Hamkor Sug‘urta — 16.9 billion UZS. The size of a company says nothing about the quality of its service.
What is the payout ratio of Xalq Sug‘urta and Hamkor Sug‘urta?
In the NAPP report as of 01.07.2026: Xalq Sug‘urta — 36.1%, Hamkor Sug‘urta — 13.4%. 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 — Xalq Sug‘urta or Hamkor Sug‘urta?
According to the companies’ websites: Xalq Sug‘urta has 16 offices, Hamkor Sug‘urta has 15 offices.
Can I buy compulsory motor liability insurance from Xalq Sug‘urta and Hamkor Sug‘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 — Xalq Sug‘urta or Hamkor Sug‘urta?
Links to buy online: Xalq Sug‘urta — 9 products, Hamkor Sug‘urta — 3 products. The company itself, not this site, arranges and issues the policy.