OSGOP: Mandatory insurance for carriers and passenger protection in Kyrgyzstan
Every day, thousands of people in Kyrgyzstan use taxis, minibuses, and buses. For passengers, not only the cost of the trip matters, but also safety. That is why the country has OSGOP — mandatory insurance of the carrier’s civil liability to passengers.
What is OSGOP and why is it needed
OSGOPP is a mandatory insurance policy that protects passengers in case they are injured or killed during a trip if a road traffic accident occurred due to the carrier’s fault.
Having a valid OSGOPP policy is a mandatory requirement for obtaining and renewing a passenger transportation license.
OSGOP vs. OSAGO: what’s the difference?
These two types of insurance are often confused, although they protect different parties:
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OSAGO covers the driver’s liability to other participants in a road traffic accident.
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OSGOPP protects passengers and covers the carrier’s liability to the people being transported.
Simply put:
OSAGO is about others, OSGOP is about your own passengers.
Who is required to have an OSGOP policy?
OSGOPP is mandatory for everyone engaged in passenger transportation, including:
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taxis,
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buses,
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intercity and international перевозки.
If you transport passengers on a commercial basis, an OSGOP policy is required by law.
What does OSGOP cover?
In the event of a road accident or other incident, the insurance company compensates for:
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damage to a passenger’s life;
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damage to a passenger’s health;
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damage to a passenger’s property.
This reduces the carrier’s financial risks and guarantees passenger protection in unforeseen situations.
What happens if there is no policy?
Operating without OSGOPP can lead to serious consequences, including:
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refusal to issue or renew a license;
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fines;
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suspension of operations;
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full financial liability of the carrier for damage to passengers.
In practice, the absence of a policy threatens both the carrier’s business and passenger safety.
How to get OSGOP online in just a few minutes
You can now apply for an OSGOP policy online through the MBANK mobile app:
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Open the MBANK app
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Go to “Services” → “My Auto”
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Select OSGOP
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Tap “Apply for insurance”
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Done!
OSGOP is not just insurance — it is a mandatory condition for legal passenger transportation in Kyrgyzstan.
With MBANK, obtaining a policy is fast, convenient, and fully online.
MBANK — The First Digital!
License No. 14 of the National Bank of the Kyrgyz Republic