In Uganda, every vehicle operating on public roads is legally required to have motor third party insurance. This insurance covers liabilities arising from injuries or death caused to third parties by the insured vehicle. It is a mandatory requirement under the Insurance Act and is enforced by both the Insurance Regulatory Authority (IRA) and the Uganda Revenue Authority (URA).
The policy protects vehicle owners from financial losses due to accidents involving other people, vehicles, or property, but it does not cover damage to the insured’s own vehicle.
Procedure: How to Apply for Motor Third Party Insurance
Step 1: Contact an Authorized Insurance Broker or Agent
Visit any licensed insurance broker or agent to assess your insurance needs. The broker will guide you through the available third-party policies and help you compare premiums from different providers.
Step 2: Complete the Proposal Form
Fill out a motor insurance proposal form, providing accurate details about your vehicle and personal information.
Details typically required include:
- Vehicle registration number
- Make, model, and year of manufacture
- Engine and chassis number
- Owner’s name, address, and contact information
Step 3: Provide Supporting Documents
Submit the following documents to the insurer or broker:
- Motor vehicle logbook (proof of ownership)
- National ID or Passport (proof of identity)
- Driving permit (for verification)
Step 4: Vehicle Valuation (If Required)
For certain classes of vehicles, especially commercial or corporate fleets, an inspection and valuation may be required to verify the vehicle’s condition before coverage is granted.
Step 5: Review the Policy Document
Carefully read the policy terms and conditions, including exclusions, coverage limits, and claim procedures. Ask your insurer to clarify any unclear sections before signing.
Step 6: Pay the Premium and Receive Certificate
Once you agree to the terms, pay the applicable premium. The insurer will issue:
- A cover note (temporary proof of insurance)
- A Certificate of Insurance, which must always be carried in the vehicle
Note: The Insurance Act requires insurers to issue a certificate of insurance at the same time as the cover note.
Required Documents
- Completed proposal form
- Motor vehicle logbook
- Proof of identity (National ID or Passport)
- Driving permit (optional, for verification)
Office Locations & Contacts
Insurance Regulatory Authority of Uganda (IRA)
Insurance Towers, Plot 6 Lumumba Avenue, Kampala
P.O. Box 22855, Kampala, Uganda
Tel: +256 417 425500
Email: [email protected]
Website: Insurance Regulatory Authority of Uganda
Uganda Revenue Authority (URA)
Plot M193/M194, Nakawa Industrial Area, Kampala
P.O. Box 7279, Kampala, Uganda
Toll-Free: 0800 117000
Email: [email protected]
Website: Uganda Revenue Authority
Eligibility
- All motor vehicle owners operating on public roads in Uganda.
- Applies to private, commercial, motorcycle, and special-use vehicles.
- Government vehicles are exempt under the Insurance Act.
Fees
Premiums vary by vehicle type and coverage class. Below are indicative rates:
| Vehicle Type | Coverage Type | Excess / Deductible | Recommended Rate |
|---|---|---|---|
| Motorcycles | Own Damage | 10% of claim, min UGX 100,000 | 10% |
| Theft & Total Loss | 15% of claim, min UGX 100,000 | 10% | |
| Private Cars (Saloon, Station Wagon, Pick-up) | Own Damage | 10% of claim, min UGX 100,000 | 4% |
| Theft & Total Loss | 15% of claim, min UGX 100,000 | 4% | |
| Buses / Minibuses / Taxis | PSV | 10% of claim, min UGX 200,000 | 7.5% |
| Corporate / School Buses | PMO | 10% of claim, min UGX 200,000 | 6% |
| Special Vehicles (Ambulance, Hearse, Fire Truck, Bullion Van) | – | 10% of claim, min UGX 200,000 | 4% |
Validity
The Motor Third Party Insurance certificate is valid for one year from the date of issue and must be renewed annually before expiry.
Processing Time
The entire process takes less than one hour if all documents are in order.
Instructions
- Government-owned vehicles are exempt from third-party insurance requirements.
- Driving without valid insurance is an offense punishable by:
- A fine of up to UGX 100,000 or
- Imprisonment of up to two years, or both.
- Offenders may also face a 12-month disqualification from holding or obtaining a driving permit.
Required Information
- Vehicle registration details
- Vehicle class and usage type
- Proof of identity of the owner
- Contact address and phone number
Need for the Document
The Motor Third Party Insurance certificate is mandatory under Ugandan law. It provides financial protection to vehicle owners against liabilities arising from injuries or death to third parties during accidents. It ensures victims receive compensation without lengthy court processes.
Information Which Might Help
When purchasing insurance:
- Compare rates and benefits across multiple insurers.
- Confirm that the insurer is licensed by the IRA.
- Keep the certificate of insurance and cover note in the vehicle at all times.
Other Uses of the Certificate
- Serves as proof of legal compliance under the Traffic and Insurance Acts.
- Required during annual vehicle inspection or registration renewal with URA.
- Used when filing accident claims involving third parties.
