OSAGO is compulsory motor third party liability insurance. It is not just a formality, but an important protection tool for all road users. In this article, we will explain what OSAGO is, why it is needed, how to get it, and why it is most convenient to get it through the GreenGo platform.

OSAGO is an insurance contract under which the insurance company undertakes to compensate for damage caused by you to other road users if you are found at fault for an accident. OSAGO covers:

• Harm caused to the life and health of victims;
• Damage caused to someone else's property (e.g., another driver's car).

Important: OSAGO does not cover repairs to your car if you are the at-fault driver — for that, you need CASCO insurance.

Taking out an OSAGO policy (or its equivalents) is mandatory for all vehicle owners in Kazakhstan, Russia, Kyrgyzstan and Uzbekistan. There are almost no exceptions: lack of insurance incurs fines, and in the event of an accident, it can lead to serious financial consequences.

Each country has its own specifics:

• Russia: OSAGO is mandatory for all cars registered in the Russian Federation, as well as for foreign cars entering the country.
• Kazakhstan: insurance is also mandatory for every vehicle owner. Here it is called civil liability insurance for vehicle owners.
• Uzbekistan: having a policy is also mandatory. The official name is OSGO VTS, which is an analogue of OSAGO.
• Kyrgyzstan: from July 1, 2025, compulsory insurance is being introduced for all vehicle owners — both citizens and foreigners using a car in the country. Previously, the requirement applied only to legal entities and cars with foreign registration.
• Although the name of OSAGO may differ from country to country, the essence is the same everywhere — it is compulsory motor third party liability insurance for vehicle owners.

Important: When traveling abroad by car, you must purchase a policy replacing OSAGO that is valid in the destination country. Previously, this was the "Green Card" policy, which covered damage caused by an accident in 48 countries. OSAGO is only valid in the country where it is issued.

The price of OSAGO depends on the following factors:

• Driver age and experience
• Vehicle type
• Region of registration
• Insurance history (e.g., presence or absence of accidents)
• Number of persons authorized to drive

The GreenGo platform automatically selects optimal offers from insurance companies taking into account all these parameters.

To apply for an OSAGO policy, the following are usually required:

• Owner's passport
• Identity card and driver's license
• Vehicle registration certificate (technical passport)
• Diagnostic card (if required by vehicle age)
• Power of attorney (if applied for by someone other than the owner)

If an accident occurs, it is important to:

1. Do not panic.
2. Call the police and, if necessary, an ambulance.
3. Take photos of the damage, record the circumstances of the incident.
4. Report the incident to the insurance company (contacts are listed in the policy).
5. Follow the insurer's instructions for further action.

OSAGO is not only a duty, but also protection against financial losses. With GreenGo, its registration becomes extremely simple, fast and profitable. Join our platform and calculate policies with one click — with additional opportunities for your growth. GreenGo — expanding the boundaries of insurance💚