APA Insurance in Uganda
Figures, claims and complaints
- Premium (UGX million)
- 35,635.6
- Market share
- 3.6%
- Loss ratio 2025 (%)
- 63.26%
Regulator's figures, 2025, as printed — see the table below for the source.
On this page · 6 sections
APA company licensed in Uganda
| Company | Licensed as |
|---|---|
| APA Insurance (U) Ltd | Non-life (general) insurers |
Source: Insurance Regulatory Authority of Uganda, Insurance companies perpetually licensed (list published in August 2026). Names are reproduced as the regulator lists them. A licence is not a rating: it means the company may sell insurance in Uganda.
APA in Uganda: the regulator's figures (2025)
| Company | Premium (UGX million) | Market share | Loss ratio 2025 (%) |
|---|---|---|---|
| APA | 35,635.6 | 3.6% | 63.26% |
Source: IRA Uganda — Industry Performance Q4 2025 (life and non-life workbook, Summary sheet). Compare with any other insurer: compare two insurers in Uganda · largest insurers.
Before you buy from APA in Uganda
- Check that the policy is issued by one of the companies above — the licensed entity, not only the brand.
- For motor cover, check a motor sticker by USSD (MTN *165*4*5*5#, Airtel *185*7*6*1#).
- Ask for the schedule and the exclusions in writing, and compare them with at least one other insurer.
- Keep in mind the claim rule that applies to every insurer: IRA's claims guide gives 10 working days to pay after the signed discharge for claims up to UGX 10 million (15 up to 50 million, 20 above).
- If something goes wrong, complain to the insurer, then to IRA's online Complaints Bureau (iracomplaints.go.ug).
The rules above come from our guides: check a cover, licensed insurers and how to complain.
APA in other African countries
| Country | Licensed companies |
|---|---|
| Kenya | APA Life Assurance Limited; APA Insurance Limited; APA Microinsurance Limited |
Companies that share a brand are separate legal entities, each licensed by its own country's regulator: a policy bought in one country is handled by that country's company.
Tulinde is independent and not affiliated with APA. Brand names belong to their owners.
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Frequently asked questions
Is APA licensed in Uganda?
Yes. 1 APA company appears on the IRA Uganda list (list published in August 2026): APA Insurance (U) Ltd.
How do I complain about APA in Uganda?
Write to APA first; if it does not settle, complain to the insurer, then to IRA's online Complaints Bureau (iracomplaints.go.ug).
How long does APA have to pay a claim in Uganda?
The same rule applies to every insurer in Uganda: IRA's claims guide gives 10 working days to pay after the signed discharge for claims up to UGX 10 million (15 up to 50 million, 20 above).