How long does an insurer have to pay a claim in Uganda?
Deadline calculator
Working days are counted Monday to Friday from the day after the date you enter. These are IRA's service standards (“indicative timelines” in its guide), not a court deadline; your policy can set its own conditions for reporting a claim.
Deadline missed? Complain to IRA's Complaints Bureau — free, and it can order payment with interest.
Free, no obligation. Only insurers and brokers licensed by IRA Uganda receive your request.
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The deadlines insurers must meet
| Step | Deadline |
|---|---|
| Acknowledge the claim, ask for documents, contact you | 3 working days from notification |
| Visit the site or appoint an assessor | 3 working days; 5 for complex claims (IRA approval) |
| Offer (with discharge voucher) or refusal | 5 working days from the final report or last documents |
| Pay up to UGX 10 million | 10 working days after receiving the signed voucher |
| Pay above UGX 10 million to 50 million | 15 working days |
| Pay above UGX 50 million | 20 working days, or on the reinsurers' cash call if sooner |
Source: IRA, A Guide to Insurance Claims, "The Claims Process and Service Standards for Insurers". IRA calls them indicative timelines; the time you have to report a claim is set by your policy conditions.
For motor third-party claims, the Third Party Risks Regulations (reg. 3) give the insurer 60 days from notification, or 30 days after a valid dispute is resolved.
Worked example
The insurer receives your signed discharge voucher on Monday 2 November 2026. Counting Monday to Friday from the next day:
| Amount on the voucher | Working days | Pay by |
|---|---|---|
| UGX 8,000,000 | 10 | Monday 16 November 2026 |
| UGX 30,000,000 | 15 | Monday 23 November 2026 |
If the deadline passes
Write to the insurer with the date of your voucher and the deadline, then complain to IRA's Complaints Bureau — free, online — which can order payment: see how to complain to IRA. IRA's guide lists undue delay after a signed discharge voucher among the grounds for a complaint (claims guide).
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Frequently asked questions
How long does an insurance company take to pay a claim in Uganda?
After it receives your signed discharge voucher: 10 working days up to UGX 10 million, 15 up to UGX 50 million and 20 above, under IRA's claims standards.
What is a discharge voucher?
The document stating the amount the insurer will pay; signing it means you accept the settlement, and the payment deadline runs from its receipt.
How long does a motor third party claim take in Uganda?
The insurer must settle within 60 days of notification, or within 30 days after a valid dispute is resolved (SI 214-1, reg. 3).
What can I do if my insurer does not pay on time?
Complain to IRA's Complaints Bureau; undue delay after a signed discharge voucher is one of the grounds IRA lists.