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Car Insurance in Uganda: Third Party vs Comprehensive Explained

17 August 2025

Car Insurance in Uganda: Third Party vs Comprehensive Explained

Every vehicle on Ugandan roads must have Motor Third Party (MTP) insurance. Many owners also choose comprehensive cover.

Third party

Covers injury or death of third parties caused by your vehicle. It does not repair your own car.

Comprehensive

Covers third parties plus damage to your vehicle from accidents, fire and theft, subject to terms.

What affects premium

Vehicle value, use, driver history and add ons.

Claims

  1. Report to police and get a police abstract.
  2. Notify your insurer quickly.
  3. Submit photos, quotations and documents.

Tips

Know your excess and keep your policy documents in the car.

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