Liberty Insurance in Uganda
Figures, claims and complaints
Liberty General
- Premium (UGX million)
- 45,333.9
- Market share
- 4.5%
- Loss ratio 2025 (%)
- 50.55%
- Complaints received by IRA in 2024 (Figure 30 of the 2024 annual report; total calculated)
- 11
Liberty Life
- Premium (UGX million)
- 83,103
- Market share
- 8.5%
- Loss ratio 2025 (%)
- 31.67%
- Complaints received by IRA in 2024 (Figure 30 of the 2024 annual report; total calculated)
- 1
Regulator's figures, 2025, as printed — see the table below for the source.
On this page · 6 sections
Liberty companies licensed in Uganda
| Company | Licensed as |
|---|---|
| Liberty Life Assurance (U) Ltd | Life insurers |
| Liberty General 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.
Liberty in Uganda: the regulator's figures (2025)
| Company | Premium (UGX million) | Market share | Loss ratio 2025 (%) | Complaints received by IRA in 2024 (Figure 30 of the 2024 annual report; total calculated) |
|---|---|---|---|---|
| Liberty General | 45,333.9 | 4.5% | 50.55% | 11 |
| Liberty Life | 83,103 | 8.5% | 31.67% | 1 |
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 Liberty 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.
Liberty in other African countries
| Country | Licensed companies |
|---|---|
| Kenya | Liberty Life Assurance Kenya Limited |
| South Africa | Liberty Group Limited |
| Botswana | Liberty (Botswana) (Pty) Ltd t/a Liberty Life Botswana |
| Namibia | Liberty Life Namibia Limited |
| Zambia | Liberty Life Zambia 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 Liberty. Brand names belong to their owners.
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Frequently asked questions
Is Liberty licensed in Uganda?
Yes. 2 Liberty companies appear on the IRA Uganda list (list published in August 2026): Liberty Life Assurance (U) Ltd; Liberty General Insurance (U) Ltd.
How do I complain about Liberty in Uganda?
Write to Liberty first; if it does not settle, complain to the insurer, then to IRA's online Complaints Bureau (iracomplaints.go.ug).
How long does Liberty 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).