Cost of Third Party Insurance in Uganda



What are the prices of third party car insurance in Uganda?

Third Party car insurance in Uganda is one of the most important insurance policy. Several insurance companies offer this kind of policy, which we are going to discuss below


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.

NIC provides 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.


Private Cars

These are vehicles used for social, domestic and pleasure purposes.

Commercial Vehicles (Taxes, Buses and Hire Cars)

These are vehicles used for carrying fare paying passengers.

Commercial Vehicles (Own Goods)

These are vehicles used for carrying commercial goods owned by the insured.

Commercial Vehicles (General Cartage)

These are vehicles used for carrying goods belonging to others for hire or reward.


These are two-wheeled auto-bicycles used for social, domestic; pleasure or commercial purposes.

Motor Trade Vehicles

These are un-registered new vehicles owned by a corporate organization engaged in sales, services and repairs of vehicles.

Procedure for Private Car Insurance

    • A proposal form must be completed and personally signed, if need be.
    • An engineer’s report may accompany proposal for second hand vehicles.
    • Previous claims and insurance history will be considered when assessing proposals.
    • The proposer is also expected to submit a copy of current vehicle logobook.

Motorcycle insurance

Proposals from corporate bodies who have other businesses with NIC will be considered on accommodation basis for Comprehensive and Third Party only covers.

Comments made under private car underwriting would also apply here.

Motor Trade Policy

Motor trade policies are issued only to accommodate valued connections, as the policy is not for all-comers.

A completed and signed proposal form is highly desirable. Premises Risks cover is preferable to Road Risks cover. Previous insurance and claims history should be effectively used whilst assessing proposals on motor trade.

    • Optional Benefits (Private Motor)
    • Loss of Use
    • Strike Riots & Civil Commotion
    • Personal Accident


UAP Insurance offers a range of products on Comprehensive Private motor insurance with optional benefits and insurance limits encompassed in 3 optional products; i.e. Gold, Silver and Standard. The insurance will cover the vehicles for loss or damage (including riot and strikes) and Third Party liabilities anywhere in East Africa with the following benefits:

AA membership, car tracking device & services, Personal Accident insurance, 24 hour road rescue, emergency medical expenses, forced ATM withdrawal and many more.

Generally, since 2013 the price of Third Party cover is Shs30, 000.Before then motorists were paying between Shs14,000 and about Shs400,000 depending on the motor cycle