Taxi and bus insurance in Uganda — premiums per seat

Short answerChecked 28 October 2026

Taxis, buses and private hire vehicles in Uganda pay a third-party premium set by regulation plus an amount per passenger seat — for a taxi up to 2,000 cc, UGX 32,605 + 3,915 per seat. Using a vehicle without the insurance required for that use is an offence under the Traffic and Road Safety Act. The current cover does not protect the driver.

Compare commercial vehicle insurance quotes in Uganda

Free, no obligation. Only insurers and brokers licensed by IRA Uganda receive your request.

Get free quotes

Your situation is different? Ask.

Answers come from the law, the regulator and the insurers' own documents, with the source under each answer. General information, not advice.

What cover does a taxi or minibus need?Are my passengers covered?What should I check before I renew?

On this page · 5 sections

Premiums by class
The reform IRA is pushing
What operators should compare
FAQ
Sources

Premiums by class

From the third-party regulations (SI 214-1):

Vehicle	Premium (UGX)
Taxi / public service vehicle, up to 2,000 cc	32,605 + 3,915 per passenger seat
Public bus	50,000 + 5,220 per seat
Private hire	from 31,950 + 3,650 per seat

Using a vehicle "without any insurance prescribed by law for that use" is an offence under s.33(1)(d) of the Traffic and Road Safety Act — a private policy on a vehicle used as a taxi is not enough. Goods vehicles, tankers and construction equipment are in the full third-party price list; a PSV bus pays at least 7.5% of its value for comprehensive cover (comprehensive costs).

The reform IRA is pushing

In July 2025 IRA told taxi operators that the current law covers third parties but not the driver, and that the reform aims to raise the limit from UGX 1 million to at least UGX 10 million per death and to cover drivers on a no-fault basis. It is not law yet.

What operators should compare

Higher third-party limits than the statutory UGX 1 million.
Personal accident cover for the driver.
Own damage and theft for the vehicle.
Workers' compensation for employed drivers and conductors — see business insurance.

Already insured?

Check my motor certificate Understand my policy Prepare a claim

Next step

1. Find the cover that fits 2. Get free quotes

Frequently asked questions

How much is third-party insurance for a taxi in Uganda?

For a taxi up to 2,000 cc the regulations set UGX 32,605 plus UGX 3,915 per passenger seat, before levies.

Is the taxi driver covered by third-party insurance in Uganda?

No. IRA says the current law covers third parties but not the driver; ask for personal accident cover.