Commercial and passenger vehicles in Uganda

Taxi, bus and commercial vehicle insurance in Uganda

Reviewed on 23 September 2026 by the Tulinde editorial team · how we check facts

Short answerChecked 23 September 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.

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.

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.

What would you like to do now?

Compare offers in Uganda Check that my current cover is valid Keep reading the guides

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.