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Uganda - Obtain Motor Insurance

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Insure your vehicle and protect yourself against liability if you cause damage/injury to property or an individual. Depending on the type of motor insurance you purchase, it can also pay for vehicle damage as a result of an accident, fire or burglary.


  1. You may conduct your motor vehicle dealer for advice or on which insurance company offers the better services deal, or
  2. Visit as many as possible insurances companies that are located near you and compare their services history to get a better deal and cover
  3. Request for the application proposal form from the insurance company which you have opt for, read through the instruction carefully and fill it accurately and sign the policy
  4. Pay the application fees, Submit the filled form and required documents to the attending officer, an inspection of the motor vehicle will be carried out to verify all the information are in order
  5. Upon confirmation of cover and premium payment, your insurance cover policy will be process you shall then be issue the necessary documents.
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Required Documents[edit]

  • Copy of logbook
  • Copy of PIN Certificate
  • Copy of Driving License/Permit
  • Filled up application form 

Office Locations & Contacts[edit]

Off Jinja Road/ Old Port Bell Rd,
P.O. Box 7174,
Kampala, Uganda General Phone: +256 414-320135/0414-321364
Minister: 0414-235730
Minister of State (Works): 0414-349487
Minister of State (Transport): 0414-320026
Permanent Secretary: 0414-259322
Fax: 0414236369
Email: mowt@works.go.u

URA Headquarters: Plot M193/M194, 
Nakawa Industrial Area, 
P.O. Box 7279, Kampala
Phone: +256 414744000, 0800117000 (toll free)

Other officers List of URA services

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  • Individual and companies that own the following

  1. Private Cars
    • These are vehicles used for social, domestic and pleasure purposes.
  2. Commercial Vehicles (Taxes, Buses and Hire Cars)
    • These are vehicles used for carrying fare paying passengers.
  3. Commercial Vehicles(Own Goods)
    • These are vehicles used for carrying commercial goods owned by the insured.
  4. Commercial Vehicles (General Cartage)
    • These are vehicles used for carrying goods belonging to others for hire or reward.
  5. Motorcycles
    • These are two-wheeled auto-bicycles used for social, domestic; pleasure or commercial purposes.
  6. Motor Trade Vehicles
    • These are un-registered new vehicles owned by a corporate organization engaged in sales, services and repairs of vehicles.


  • Premiums vary depending on the;
  • Vehicle classification.
  • Insurance companies rates on premiums charges


  • One year from the date of issue of the policy

Documents to Use[edit]

Please attach documents that can be used by people. e.g. links
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Sample Documents[edit]

Please attach sample completed documents that would help other people.

Processing Time[edit]

  • One day

Related Videos[edit]

Videos explaining the procedure or to fill the applications. 
Attach videos using the following tag <&video type='website'>video ID|width|height<&/video&> from external websites. 	
Please remove the '&' inside the tags during implementation.
Website = allocine, blip, dailymotion, facebook, gametrailers, googlevideo, html5, metacafe, myspace, revver, 
sevenload, viddler, vimeo, youku, youtube
width = 560, height = 340, Video ID = Can be obtained from the URL of webpage where the video is displayed.
e.g In the following url '' Video ID is 'Y0US7oR_t3M'.

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Motor insurance, which is the most common of all the known classes of insurance, is designed to protect the insured for loss of or damage to his vehicle, damage to Third Party property including bodily injury and death to Third Parties caused by accident. The policy is vital especially when the property is pledged with a financial institution.

Motor Insurance covers which include the following:

  1. Third Party Risk Only Cover
    • This covers bodily injury including death to Third Parties caused by accidents occurring on public roads. Claimants’ costs and other costs incurred with NIC written consent are also recoverable. Third Party property damage is covered in addition to bodily injury and costs described above. Third Party property damage limited to UShs 10,000,000 is covered, whilst Bodily injury and Death are unlimited.

  2. Third Party Fire and Theft Cover:
    • Loss of or damage to the insured vehicle caused by fire and theft is covered in addition to the covers available under the “Third Party Risk only” cover described above.

  3. Comprehensive Cover:
    • This is the widest cover available in motor insurance as it covers loss of or damage to the insured vehicle is covered in addition to the covers available under the two described above.

Required Information[edit]

  • Name of the applicant
  • Type of motor vehicle to be registered (mode, type)
  • Type of insurance policy cover the applicant wishes to cover e.g. accidents, fire, theft etc.
  • Licence plate number
  • Driver’s licences information
  • Identification card information
  • Log book information of the vehicle
  • Residential address/phone number /email address
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Need for the Document[edit]

The law requires all motor vehicles to be insured in Uganda, and the insurance is supposed to cover against financial loss, theft damages and third party liabilities. This is captured under insurance Act

Information which might help[edit]

An insurance motor vehicles covers the following

  • Wreckage removal, protection, towing charge
  • Loss of vehicle keys
  • Cost of importing rare spare of parts
  • Damages arising from riots, strikes, civil commotion
  • Breakage of windscreen and window glasses
  • Loss of car accessories
  • Personal accident
  • Others to be specified in the Policy

There are certain risks and situations that are excluded from claim benefits. When you buy Car Insurance, it is important that you know about these inclusions and exclusions in detail so that there is no scope of ambiguity.
Some losses which are not covered by comprehensive car insurance. These are mentioned below:

  • Breakdowns arising from Wear and Tear.
  • Intentional Damage
  • Personal Injuries
  • Drink and Drive: - Damages caused to the car if you or anyone else was caught driving under the influence of alcohol at the time of accident.
  • Staged Accidents: - Deliberate accidental loss is not covered. If it is proven that the accident was entirely staged, the claim would be rejected.
  • Illegal Activity: - Driving on the wrong side of the road or without a valid license, or if the car’s driven by an underage person.
  • Commercial Activity: - Driving your private vehicle for commercial purpose and vice versa
  • Other reasons:
  • An expired policy, consequential damages, electrical and mechanical failure, regular wear and tear, and driving outside geographical limits are other reasons for claim rejection.

Other uses of the Document/Certificate[edit]

Please explain what are other uses of obtaining this document/certificate.
e.g. Birth Certificate can be used as proof of identity.

External Links[edit]

Uganda revenue authority
Ministry of works and transport
understanding motor insurance

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  • The most common motor insurance covers in Uganda are Motor Third Party Insurance (which is compulsory) and Motor Comprehensive.
  • Motor Third Party insurance (MTP) is a compulsory insurance for vehicles (including motorcycles) operating in Uganda that compensates and protects road users who may be injured or killed by a vehicle.

It would therefore compensate any one injured or killed (their beneficiaries) a maximum amount of UGX 1,000,000. This does not mean that the liability owed by the vehicle owner is capped at 1,000,000- this is just the amount the insurance company will contribute towards paying off the liability owed.

  • Motor Third Party insurance only pays for injury or death and does not cover property damage. Say for example, you were involved in an accident and damaged a building and injured a bystander. MTP would compensate the bystander but not the damage to the building.
  • You can upgrade your Motor Third Party Insurance cover to say, Motor Comprehensive which will, among others, increase your limits and also cover property damage.

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