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🚗 Car Insurance Uganda

Compare comprehensive motor insurance from Uganda's leading providers. Get covered for accidents, theft, third-party liability, and more.

Top Insurance Providers

IRA approved insurers in Uganda

Jubilee Insurance

★★★★☆ (4.8)
IRA Approved Est. 1937

0800 200 111

0772 200 111

info@jubilee.co.ug

jubileeinsurance.com/ug

Coverage:
Comprehensive Third party Political violence
Features:
Comprehensive cover Third-party only Towing services +3

UAP Old Mutual

★★★★☆ (4.7)
IRA Approved Est. 2015

0800 222 111

0752 222 111

uganda@uapoldmutual.co.ug

uapoldmutual.co.ug

Coverage:
Comprehensive Third party Political violence
Features:
Motor comprehensive Third-party Political violence cover +2

ICEA Lion Group

★★★★☆ (4.6)
IRA Approved Est. 2004

0312 352 300

0700 352 300

info@icealion.co.ug

icealion.co.ug

Coverage:
Comprehensive Third party Fleet
Features:
Comprehensive motor Third-party Private car cover +2

Sanlam Uganda

★★★★☆ (4.5)
IRA Approved Est. 2013

0800 144 999

0772 144 999

info@sanlam.co.ug

sanlam.co.ug

Coverage:
Comprehensive Third party Commercial
Features:
Motor insurance Third-party Commercial vehicles +2

Goldstar Insurance

★★★★☆ (4.4)
IRA Approved Est. 2009

0312 211 200

0700 211 200

info@goldstar.co.ug

goldstar.co.ug

Coverage:
Comprehensive Third party Motorcycle
Features:
Comprehensive Third-party Motorcycle cover +2

AIG Uganda

★★★★☆ (4.3)
IRA Approved Est. 2012

0312 224 400

0782 224 400

uganda@aig.com

aig.co.ug

Coverage:
Comprehensive Third party Commercial
Features:
Private car Commercial auto Third-party +2

Coverage Options

Comprehensive

  • Accidental damage
  • Theft & hijacking
  • Third-party liability
  • Fire & disasters
  • Windscreen cover

3-5% of vehicle value

Third-Party

  • Damage to others' property
  • Injury to third parties
  • Legal requirement
  • Most affordable

UGX 150k-300k/year

Political Violence

  • Civil unrest
  • Strikes & riots
  • Terrorist acts
  • Malicious damage

Commercial/Fleet

  • Multiple vehicles
  • Goods in transit
  • Public liability
  • Fleet discounts

Required Documents

  • Vehicle logbook (certified copy)
  • Valid driving permit
  • National ID or Passport
  • Certificate of fitness (commercial)
  • Previous insurance policy
  • Vehicle inspection report

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FAQs

Is car insurance mandatory in Uganda?
Yes, third-party insurance is legally required for all vehicles on Ugandan roads.
How much is comprehensive insurance?
Typically 3-5% of the vehicle's value per year. For a UGX 50M car, expect UGX 1.5M - 2.5M annually.
What affects my premium?
Vehicle value, age, make/model, driving history, location, security features, and excess amount.

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