Comprehensive car insurance in Uganda
Minimum premium calculator
The lowest yearly price an insurer may charge under IRA's guidelines for this vehicle, VAT, levy and stamp duty included. A quote can be higher; it can only be lower through the discounts the guidelines allow (a fleet of 10+ vehicles, a higher excess).
| Minimum rate 4% of UGX 40,000,000IRA minimum rate guidelines 2019, A | UGX 1,600,000 |
| Minimum premium | UGX 1,600,000 |
| Training levy, 0.5%IRA 2024 market report | UGX 8,000 |
| VAT, 18% of the premiumVAT Act Cap. 344 (URA); VAT (Amendment) Act 2014 | UGX 288,000 |
| Stamp duty on the policyStamp Duty Act, Schedule 2, item 48(a) | UGX 35,000 |
| Estimated minimum total | UGX 1,931,000 |
Excess you pay on each claim under these rates: own damage 10% of the claim, minimum UGX 100,000; theft and total loss 15%, minimum UGX 100,000; windscreen 20%. Indicative: the insurer's quote decides, and the order in which it applies discounts can differ.
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Minimum rates by vehicle
| Vehicle and use | Minimum rate | Excess (own damage / theft) |
|---|---|---|
| Private saloon, station wagon, pick-up | 4% | 10% / 15% of claim, min. UGX 100,000 |
| Same vehicles, commercial use | 5% | 10% / 15%, min. UGX 100,000 |
| Motorcycle | 10% | 10% / 15%, min. UGX 100,000 |
| Tricycle | 5% | 10% / 15%, min. UGX 100,000 |
| Lorry, prime mover, trailer, hauler | 6% | 10% / 15%, min. UGX 500,000 |
| Petrol, gas, chemical tanker / other tanker | 7.5% / 6% | 10% / 15%, min. UGX 500,000 |
| Bus 14+ passengers: PSV / private, corporate, school | 7.5% / 6% | 10% / 15%, min. UGX 200,000 |
| Ambulance, hearse, farm, recovery vehicle | 4% | 10% / 15%, min. UGX 100,000 |
| Driving school | 5% | 10% / 15%, min. UGX 100,000 |
Source: Approved Minimum Premium Rate Guidelines, 2019, section A. The rates are net of discounts other than those the guidelines allow.
What moves the premium
- Third party, fire and theft instead of comprehensive: 30% discount on the motor rate.
- Driving outside Uganda: +20% for East Africa including South Sudan, +30% outside East Africa.
- Anti-theft device with an installation certificate: 5% for a car alarm, 15% for a tracking system.
- Fleet of at least 10 vehicles of the same category: up to 10% discount.
- Higher excess: 10% to 25% discount for an excess minimum of UGX 1 million to 5 million.
- Windscreen claims carry a 20% excess.
The rates include third-party limits of UGX 10 million bodily injury, UGX 50 million per accident and UGX 50 million property damage; higher limits are charged at 0.5% of the extra limit (guidelines, notes vi and vii).
Worked example
| Private car worth UGX 40,000,000 | No device | With a tracker |
|---|---|---|
| Rate 4% | 1,600,000 | 1,600,000 |
| Tracking discount 15% | — | − 240,000 |
| VAT 18% | 288,000 | 244,800 |
| Training levy 0.5% | 8,000 | 6,800 |
| Stamp duty | 35,000 | 35,000 |
| Minimum total | UGX 1,931,000 | UGX 1,646,600 |
Compare the cover, not only the price: third party or comprehensive, motor insurance in Uganda, or ask licensed insurers for quotes.
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Frequently asked questions
What is the rate for comprehensive insurance in Uganda?
IRA's minimum is 4% of the vehicle's value a year for a private car, 5% for commercial saloons and pick-ups, 6% for lorries and 10% for motorcycles (2019 guidelines).
How much is comprehensive insurance for a UGX 30 million car?
At least UGX 1,200,000 (4%), plus UGX 216,000 VAT, UGX 6,000 training levy and UGX 35,000 stamp duty: UGX 1,457,000 before any allowed discount.
Can an insurer charge less than the minimum rate?
Only through the discounts the guidelines allow: fleet, higher excess, anti-theft devices or third party, fire and theft cover.
What is the excess on comprehensive motor insurance in Uganda?
Under the guidelines, 10% of an own damage claim and 15% of a theft or total loss claim, with a minimum of UGX 100,000 for cars and motorcycles; 20% for windscreens.
Sources
- IRA Uganda — Approved Minimum Premium Rate Guidelines, 2019
- Uganda Revenue Authority — Value Added Tax: standard rate 18%, exempt supplies (VAT Act Cap. 344)
- Value Added Tax (Amendment) Act, 2014, s.4 — insurance exemption limited to health, life, micro and re-insurance (Parliament of Uganda)
- IRA Uganda — 2024 Annual Insurance Market Report (training levy 0.5%)
- Stamp Duty Act, Cap. 339 (revised 2023), Schedule 2 item 48 — ULII, Web Archive copy