{"id":77724,"date":"2026-04-03T16:57:11","date_gmt":"2026-04-03T11:57:11","guid":{"rendered":"https:\/\/raqobat.gov.uz\/?p=77724"},"modified":"2026-04-03T16:57:11","modified_gmt":"2026-04-03T11:57:11","slug":"raqobat-qomitasi-tomonidan-sugurta-xizmatlari-sohasida-kelib-tushgan-murojaatlar-boyicha-istemolchilar-huquqlari-himoya-qilinmoqda","status":"publish","type":"post","link":"https:\/\/raqobat.gov.uz\/uz\/raqobat-qomitasi-tomonidan-sugurta-xizmatlari-sohasida-kelib-tushgan-murojaatlar-boyicha-istemolchilar-huquqlari-himoya-qilinmoqda\/","title":{"rendered":"Raqobat qo\u2018mitasi tomonidan sug\u2018urta xizmatlari sohasida kelib tushgan murojaatlar bo\u2018yicha iste\u2019molchilar huquqlari himoya qilinmoqda"},"content":{"rendered":"

Raqobat qo\u2018mitasiga sug\u2018urta xizmatlari sohasida kelib tushgan murojaatlarda asosan sug\u2018urta to\u2018lovlarining o\u2018z vaqtida amalga oshirilmasligi, foydalanilmagan sug\u2018urta mukofotlarining qaytarilmasligi, shuningdek, banklar tomonidan kredit ajratishda muayyan sug\u2018urta tashkilotini tanlashga majburlash holatlari bildirilgan.
\nQo\u2018mita tomonidan murojaatlar qonunchilik talablari asosida atroflicha o\u2018rganilib, aniqlangan qonunbuzilish holatlarini bartaraf etish va fuqarolar huquqlarini tiklash bo\u2018yicha tegishli choralar ko\u2018rilmoqda.
\nHududlar kesimida o\u2018rganilgan murojaatlar:
\n🔘Qashqadaryo viloyati
\nHududiy boshqarmaga Ko\u2018kdala tumani fuqarosi M.B. \u201cInpex Insurance\u201d sug\u2018urta kompaniyasi faoliyatidan norozilik bildirib murojaat qilgan. O\u2018rganishlar natijasida, baxtsiz hodisa oqibatida avtomashinaga yetkazilgan zarar uchun kompaniya tomonidan fuqaroga 9 200 000 so\u2018m sug\u2018urta puli to\u2018lab berilishi ta\u2019minlandi.
\n🔘Qoraqalpog\u2018iston Respublikasi
\nQo\u2018mitaga \u201cAbdulla Xojaniyaz\u201d OK tomonidan \u201cAgrobank\u201d ATB To\u2018rtko\u2018l filialidan kredit olishda faqat \u201cMY INSURANCE\u201d AJ bilan sug\u2018urta shartnomasi tuzish majburiy etib belgilangani, boshqa sug\u2018urta tashkilotini tanlash imkoni yo\u2018qligi bo\u2018yicha murojaat kelib tushgan.
\nO\u2018rganish jarayonida \u201cAgrobank\u201d ATB To\u2018rtko\u2018l filiali so\u2018ralgan ma\u2019lumotlarni to\u2018liq taqdim etmagani aniqlangan. Natijada bank tomonidan \u201cRaqobat to\u2018g\u2018risida\u201dgi Qonunning 32-moddasi buzilgan deb topilib, qonun buzilishi holatlarini bartaraf etish hamda kelgusida yo\u2018l qo\u2018ymaslik bo\u2018yicha ko\u2018rsatma berilgan.
\nShuningdek, axborotni taqdim etmaganlik sababli Qonunning 42-moddasiga muvofiq, mazkur ATB ga nisbatan moliyaviy jarima qo\u2018llanilgan.
\n🔘Navoiy viloyati
\nHududiy boshqarmaga Karmana tumanida istiqomat qiluvchi fuqaro J.S. \u201cO\u02bbzmilliybank\u201d AJ Navoiy viloyat filialidan kredit olib, \u201cAlfa invest\u201d AJ bilan sug\u2018urta shartnomasi tuzgan va 1,7 mln so\u2018m to\u2018lov qilgan. Kredit muddatidan oldin to\u2018langani sababli sug\u2018urta to\u2018lovining foydalanilmagan qismini qaytarish bo\u2018yicha murojaati o\u2018rganildi.
\nNatijada foydalanilmagan qism uchun 1,22 mln so\u2018m aniqlanib, mazkur mablag\u2018lar \u201cAlfa invest\u201d AJ tomonidan fuqaro J.S.ga to\u2018liq qaytarib berildi ta\u2019minlandi.
\n🔘Jizzax viloyati
\nHududiy boshqarma Jizzax shahrida istiqomat qiluvchi fuqaro O.I. \u201cMY INSURANCE\u201d AJ faoliyatidan norozi bildirib qoldirgan murojaatida \u201cAsaka bank\u201d AJdan olgan 60 mln so\u2018mlik mikroqarzini 3 mln so\u2018mga sug\u2018urta qildirgani, kreditni muddatidan oldin yopganiga qaramasdan sug\u2018urta mukofoti qaytarilmaganligini bildirgan.
\nO\u2018rganish natijasida mazkur AJ tomonidan 2,1 mln so\u2018m miqdoridagi foydalanilmagan sug\u2018urta mukofoti fuqaroning bank kartasiga to\u2018lab berilishi ta\u2019minlandi.
\n🔘Farg\u2018ona viloyati
\nHududiy boshqarmaga Toshloq tumanida istiqomat qiluvchi fuqaro Q.Q. ish joyida rasman sug\u2018urta qilingan bo\u2018lishiga qaramasdan, ishlab chiqarishda olgan jarohati uchun \u201cApeks\u201d sug\u2018urta kompaniyasi tomonidan to\u2018lov amalga oshirilmaganidan norozi bo\u2018lib murojaat qilgan.
\nO\u2018rganish natijasida sug\u2018urta hodisasi mavjudligi tasdiqlanib, \u201cApeks\u201d sug\u2018urta kompaniyasi tomonidan fuqaro Q.Q.ga 1 mln so\u2018m sug\u2018urta badali to\u2018lab berilishi ta\u2019minlandi.
\n🔘Buxoro viloyati
\nHududiy boshqarma fuqaro F. Jumayev tomonidan \u201cMurojaat.gov.uz\u201d (https:\/\/t.me\/RaqobatGovUz) orqali bank krediti muddatidan oldin to\u2018langaniga qaramasdan, \u201cGlobal Insurans Group\u201d AJ sug\u2018urta shartnomasini bekor qilmay, foydalanilmagan sug\u2018urta mukofotini qaytarmayotgani haqidagi murojaatini o\u2018rganib chiqdi.
\nNatijada qonunchilikka muvofiq sug\u2018urta shartnomasi muddatidan avval bekor qilinib, foydalanilmagan sug\u2018urta mukofoti fuqaroga qaytarilishi ta\u2019minlandi.
\nMa\u2019lumot uchun, O\u2018zbekiston Respublikasining \u201cIste\u2019molchilar huquqlarini himoya qilish to\u2018g\u2018risida\u201dgi Qonunining 21-moddasiga asosan sotuvchi (ijrochi) iste\u2019molchini haq evaziga qo\u2018shimcha tovarlar sotib olishga yoki qo\u2018shimcha xizmatlardan foydalanishga qistashga, shuningdek ko\u2018rsatilmagan xizmatlar uchun haq olishga haqli emas.<\/p>\n","protected":false},"excerpt":{"rendered":"

Raqobat qo\u2018mitasiga sug\u2018urta xizmatlari sohasida kelib tushgan murojaatlarda asosan sug\u2018urta to\u2018lovlarining o\u2018z vaqtida amalga oshirilmasligi, foydalanilmagan sug\u2018urta mukofotlarining qaytarilmasligi, shuningdek, banklar tomonidan kredit ajratishda muayyan sug\u2018urta tashkilotini tanlashga majburlash holatlari bildirilgan. Qo\u2018mita tomonidan murojaatlar qonunchilik talablari asosida atroflicha o\u2018rganilib, aniqlangan qonunbuzilish holatlarini bartaraf etish va fuqarolar huquqlarini tiklash bo\u2018yicha tegishli choralar ko\u2018rilmoqda. Hududlar kesimida o\u2018rganilgan…<\/p>\n","protected":false},"author":1,"featured_media":77722,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[3],"tags":[],"jetpack_publicize_connections":[],"yoast_head":"\nRaqobat qo\u2018mitasi tomonidan sug\u2018urta xizmatlari sohasida kelib tushgan murojaatlar bo\u2018yicha iste\u2019molchilar huquqlari himoya qilinmoqda - O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste'molchilar huquqlarini himoya qilish qo\u02bbmitasi.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/raqobat.gov.uz\/uz\/raqobat-qomitasi-tomonidan-sugurta-xizmatlari-sohasida-kelib-tushgan-murojaatlar-boyicha-istemolchilar-huquqlari-himoya-qilinmoqda\/\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Raqobat qo\u2018mitasi tomonidan sug\u2018urta xizmatlari sohasida kelib tushgan murojaatlar bo\u2018yicha iste\u2019molchilar huquqlari himoya qilinmoqda - O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste'molchilar huquqlarini himoya qilish qo\u02bbmitasi.\" \/>\n<meta property=\"og:description\" content=\"Raqobat qo\u2018mitasiga sug\u2018urta xizmatlari sohasida kelib tushgan murojaatlarda asosan sug\u2018urta to\u2018lovlarining o\u2018z vaqtida amalga oshirilmasligi, foydalanilmagan sug\u2018urta mukofotlarining qaytarilmasligi, shuningdek, banklar tomonidan kredit ajratishda muayyan sug\u2018urta tashkilotini tanlashga majburlash holatlari bildirilgan. 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