# Tulinde Uganda — insurance guide for Uganda

> tulinde.co.ug is Tulinde's independent, sourced guide to insurance in Uganda: Motor third-party limits, the delayed national health scheme, the licensed insurers and the IRA Complaints Bureau. Regulator: Insurance Regulatory Authority of Uganda (IRA Uganda).

How to cite: "Tulinde, <page title>" with the page URL. Every page states its review date and links each fact to the Act, the regulator or the insurer's own document it comes from. Tulinde is an independent guide run by Takat AI; it is not an insurer, a broker or an agent, and it does not rank or rate insurers.

## Key facts

- Uganda: Regulator: IRA Uganda; Compulsory cover: Motor third-party (1989 Act); Insurance penetration (2024): 0.87% of GDP; Licensed insurers (Aug. 2026): 34: 9 life, 19 non-life, 4 micro, 1 takaful, 1 HMO; Training levy on premiums: 0.5%. Regulator: Insurance Regulatory Authority of Uganda (https://ira.go.ug/). Currency: UGX.
- Uganda on Tulinde: 20 guides, 12 articles, 22 insurer profiles; latest review 2026-10-31. Quote requests: open (https://tulinde.co.ug/get-quotes/), passed to licensed insurers or brokers with the visitor's consent.
- Editorial rules: every fact comes from a primary source listed on the page; no invented price, rating, review or "best insurer"; insurer lists reproduce the regulator's list; each page has a short answer, sections, FAQ, sources and a review date.
- Language: English (plus Kiswahili guides in Kenya and Tanzania). No account, no paywall.

## Most searched

- [Insurance in Uganda: the rules, the insurers, your rights](https://tulinde.co.ug/): How insurance works in Uganda: compulsory motor third-party cover and its UGX 10 million limit, private health cover through HMOs, life policies, the insurers licensed by IRA, and the online Complaints Bureau.
- [How to check third-party insurance in Uganda: digital sticker, USSD and QR code](https://tulinde.co.ug/check-motor-insurance/): Check a third-party sticker in Uganda: dial MTN *165*4*5*5# or Airtel *185*7*6*1# with the plate, or scan the QR code. Not covered? Compare quotes.
- [Top insurance companies in Uganda (2025): the IRA ranking by premium](https://tulinde.co.ug/largest-insurance-companies/): The top insurance companies in Uganda on IRA's 2025 figures: Sanlam Allianz and Old Mutual lead general insurance, Jubilee Life leads life. All 19 general and 9 life insurers ranked by premium, with loss ratios.
- [Insurance companies in Uganda: the 2026 list of licensed insurers](https://tulinde.co.ug/insurance-companies/): Every insurance company licensed by IRA Uganda in 2026: 9 life, 19 non-life, 4 micro-insurers, the takaful operator and the authorised HMO, from the regulator's own lists.
- [Motor insurance in Uganda: third-party cover and its limits](https://tulinde.co.ug/motor-insurance/): Motor third-party insurance is compulsory in Uganda under the 1989 Act. What it covers, the UGX 1 million per person and UGX 10 million per accident limits, the penalty, digital stickers and the COMESA yellow card.
- [Business insurance quotes in Uganda: the minimum rates by business type](https://tulinde.co.ug/business-insurance-quotes/): How business insurance quotes are priced in Uganda: IRA's minimum premium rates for fire, workers' compensation and liability, by business type.
- [Taxi, bus and commercial vehicle insurance in Uganda](https://tulinde.co.ug/commercial-vehicle-insurance/): Insurance for taxis, buses and private hire vehicles in Uganda: third-party premiums per seat set by regulation, the offence of driving without the insurance required for that use, and the reform IRA is pushing.
- [Driving abroad from Uganda: the COMESA yellow card](https://tulinde.co.ug/travel-insurance/): Driving from Uganda to Kenya, Rwanda, Tanzania and beyond: what the COMESA yellow card covers, the national bureau (Uganda Re) and how to verify a card by USSD on *284*8070#.
- [Boda boda insurance in Uganda: third-party cover, premiums and risks](https://tulinde.co.ug/motorcycle-insurance/): Boda boda insurance in Uganda: third-party cover is compulsory and covers passengers, regulated premiums from UGX 3,260 to 13,045 by engine size, the UGX 1 million limit, and the police figures on motorcycle deaths.
- [Travel insurance in Uganda: what it covers for holidays and international trips](https://tulinde.co.ug/international-travel-insurance/): Uganda travel insurance for holidays and trips abroad: what a policy covers, the Schengen visa rule (EUR 30,000), the yellow card's limits, what to check.
- [IRA Uganda: what it does and how to complain about an insurer](https://tulinde.co.ug/complaints/): The Insurance Regulatory Authority of Uganda explained: what it licenses, how to file a complaint on iracomplaints.go.ug step by step, the Complaints Bureau timelines, what it can order, claim deadlines insurers must meet, and appeals to the Insurance Appeals Tribunal.
- [Health insurance in Uganda: how medical cover works while the national scheme waits](https://tulinde.co.ug/health-insurance/): Health insurance in Uganda: no national scheme yet, private cover from 11 insurers and one HMO, waiting periods, claim deadlines and what to compare.

## Vehicles

- [Third-party vs comprehensive car insurance in Uganda](https://tulinde.co.ug/third-party-vs-comprehensive/): The three motor covers defined by IRA Uganda — third party, accident fire and theft, comprehensive — what each pays for and which one you need.

## Health and life

- [Life insurance in Uganda: policies, insurers and cooling-off](https://tulinde.co.ug/life-insurance/): Life insurance in Uganda: the 9 life insurers licensed by IRA, the main types of policy, cooling-off periods, and what happens when a policy lapses.

## Home, business and travel

- [Home and property insurance in Uganda](https://tulinde.co.ug/home-insurance/): Home insurance is optional in Uganda. What property insurance covers according to IRA, the rule against double insurance, and the claim deadlines insurers must meet.
- [Business insurance in Uganda: workers' compensation and property](https://tulinde.co.ug/business-insurance/): Ugandan employers must insure their liability under the Workers Compensation Act (s.18): penalties in currency points, accident reporting, property insurance basics, and IRA's claim deadlines.

## Your rights

- [Insurance complaints by company in Uganda](https://tulinde.co.ug/insurance-complaints-by-company/): How many complaints each insurer in Uganda received (complaints received by ira in 2024 (figure 30 of the 2024 annual report; total calculated)), compared with its size, from the regulator's own figures.
- [Compare two insurers in Uganda](https://tulinde.co.ug/compare-insurers/): Pick any two insurers in Uganda and compare them side by side on the regulator's 2025 figures: premium, market share, motor and medical business, claims ratio, complaints.
- [Who's who in insurance in Uganda: regulator, industry bodies and insurer CEOs (2026)](https://tulinde.co.ug/insurance-leaders/): Who leads insurance in Uganda: IRA Uganda (Dr. Protazio Sande), industry bodies, complaints bodies and insurer CEOs, from official pages.

## Tools and calculators

- [How much is third-party insurance in Uganda? Calculator](https://tulinde.co.ug/third-party-insurance-calculator/): Motor third-party (MTP) price in Uganda for a car, boda boda, taxi, bus or truck: regulated premium, 18% VAT, 0.5% levy and UGX 35,000 stamp duty.
- [Comprehensive car insurance in Uganda: minimum premium calculator](https://tulinde.co.ug/comprehensive-insurance-calculator/): IRA's minimum comprehensive motor rates in Uganda: 4% of the value for a private car, 5% commercial, 10% motorcycles. Minimum premium, VAT, levy, stamp duty.
- [How long does an insurer have to pay a claim in Uganda? Deadline calculator](https://tulinde.co.ug/claim-payment-deadline-calculator/): IRA's claim standards in Uganda: 10 working days to pay up to UGX 10 million after the discharge voucher, 15 up to 50 million, 20 above. Find your exact date.
- [Workers' compensation in Uganda: how much is paid? Calculator](https://tulinde.co.ug/workers-compensation-calculator/): Uganda's Workers Compensation Act: 60 months' earnings for death or total incapacity, the Second Schedule percentage for a lost limb, eye or hearing.

## Articles (one real question each)

- [How much is third-party insurance in Uganda? The premium for every vehicle](https://tulinde.co.ug/third-party-insurance-price-uganda/): Third-party insurance prices in Uganda from the regulations: UGX 21,910 for a private car, 3,260 to 13,045 for a motorcycle, taxis, buses and lorries.
- [Comprehensive car insurance in Uganda: what it costs under IRA's minimum rates](https://tulinde.co.ug/comprehensive-car-insurance-cost-uganda/): Comprehensive car insurance cost in Uganda: IRA's minimum rates (4% of a private car's value, 10% for a motorcycle), the excess, discounts and examples.
- [Health insurance companies in Uganda: who sells medical cover, from IRA's 2025 figures](https://tulinde.co.ug/health-insurance-companies-uganda/): Medical insurance companies in Uganda: the 11 insurers and one HMO that reported health premium to IRA in 2025, how much each wrote, what to check.
- [Education policy in Uganda: how school fees insurance plans work](https://tulinde.co.ug/education-policy-uganda/): Education policies in Uganda: school fees savings with life cover, the plans Old Mutual, Prudential and Jubilee publish, and what to check before you sign.
- [The Insurance Act of Uganda: what the 2017 Act means for policyholders](https://tulinde.co.ug/insurance-act-uganda/): The Insurance Act, 2017 of Uganda (Cap. 191) for policyholders: licensing, local risks, premiums before cover, brokers, insurable interest, complaints.
- [Insurance brokers in Uganda: IRA's 2026 list of authorised brokers](https://tulinde.co.ug/insurance-brokers-uganda/): The 52 insurance brokers and 6 reinsurance brokers authorised by IRA Uganda for 2026, broker or agent, the premium rules, and how to check a broker.
- [Types of insurance in Uganda: the classes IRA regulates, with 2025 premiums](https://tulinde.co.ug/types-of-insurance-uganda/): Types of insurance in Uganda: the 14 non-life and 6 life classes in IRA's 2025 figures, which covers are compulsory, and the kinds of provider.
- [How to pay third-party car insurance on Airtel in Uganda: Airtel Money, USSD and steps](https://tulinde.co.ug/pay-third-party-insurance-airtel/): How to pay motor third party on Airtel Money in Uganda: dial *185*7*6*1#, enter the number plate, confirm with your PIN, then get your digital sticker.
- [Jubilee Insurance in Uganda: health covers, life plans and the prices it publishes](https://tulinde.co.ug/jubilee-insurance-uganda/): Jubilee Insurance in Uganda, from its own pages: J-Care, J-Senior and group medical covers, J-Armor premiums from UGX 178,065, life plans and claims rules.
- [International private medical insurance in Uganda: what the law allows and what to check](https://tulinde.co.ug/international-private-medical-insurance/): International private medical insurance in Uganda: what the Insurance Act 2017 says on foreign insurers, local plans with overseas cover, what to check.

## Insurer profiles (licence, claim deadline, how to complain)

- [Britam in Uganda](https://tulinde.co.ug/insurers/britam/)
- [Jubilee in Uganda](https://tulinde.co.ug/insurers/jubilee/)
- [ICEA LION in Uganda](https://tulinde.co.ug/insurers/icea-lion/)
- [Sanlam Allianz in Uganda](https://tulinde.co.ug/insurers/sanlam-allianz/)
- [CIC in Uganda](https://tulinde.co.ug/insurers/cic/)
- [APA in Uganda](https://tulinde.co.ug/insurers/apa/)
- [GA Insurance in Uganda](https://tulinde.co.ug/insurers/ga-insurance/)
- [MUA in Uganda](https://tulinde.co.ug/insurers/mua/)
- [Old Mutual in Uganda](https://tulinde.co.ug/insurers/old-mutual/)
- [Liberty in Uganda](https://tulinde.co.ug/insurers/liberty/)
- [Mayfair in Uganda](https://tulinde.co.ug/insurers/mayfair/)
- [AAR in Uganda](https://tulinde.co.ug/insurers/aar/)
- [Prudential in Uganda](https://tulinde.co.ug/insurers/prudential/)
- [Turaco in Uganda](https://tulinde.co.ug/insurers/turaco/)
- [NIC in Uganda](https://tulinde.co.ug/insurers/nic/)
- [Goldstar in Uganda](https://tulinde.co.ug/insurers/goldstar/)
- [Swico (Statewide Insurance) in Uganda](https://tulinde.co.ug/insurers/swico/)
- [Pax in Uganda](https://tulinde.co.ug/insurers/pax/)
- [Excel in Uganda](https://tulinde.co.ug/insurers/excel/)
- [Alliance Africa in Uganda](https://tulinde.co.ug/insurers/alliance-africa/)
- [TransAfrica in Uganda](https://tulinde.co.ug/insurers/transafrica/)
- [Mirai General in Uganda](https://tulinde.co.ug/insurers/mirai/)

## Tools

- [Get insurance quotes in Uganda](https://tulinde.co.ug/get-quotes/): a short form; the request goes to licensed insurers or brokers
- [Compare insurance in Uganda](https://tulinde.co.ug/compare-insurance/)
- [Free PDF guides for Uganda](https://tulinde.co.ug/free-guides/): sourced guides compiled as PDFs to keep, print or share
- [Uganda insurance blog](https://tulinde.co.ug/blog/): Motor & vehicles, Health & life, Home, business & travel, Insurers & your rights, Kwa Kiswahili

## Across the four countries

- [Motor insurance compared: Kenya, Uganda, Tanzania, Ethiopia and South Africa](https://tulinde.africa/compare/motor-insurance-east-africa/): Compulsory motor insurance in Kenya, Uganda, Tanzania, Ethiopia and South Africa: what the law covers, limits, penalties and how to check a cover.
- [Public health insurance compared: SHA, NHIF, CBHI, Uganda and South Africa](https://tulinde.africa/compare/health-insurance-east-africa/): Kenya's SHA, Tanzania's NHIF, Ethiopia's CBHI and SHI, Uganda and South Africa's medical schemes compared: who pays, how much, where private cover fits.
- [How fast must insurers pay? Claim deadlines in Kenya, Uganda, Tanzania, Ethiopia and South Africa](https://tulinde.africa/compare/claim-deadlines-east-africa/): Claim and complaint deadlines: Kenya 90 days, Uganda 10–20 working days, Tanzania 45 days, Ethiopia 10 business days, South Africa 10 days for a rejection.
- [Work-injury cover for employers: Kenya, Uganda, Tanzania, Ethiopia, South Africa](https://tulinde.africa/compare/workers-compensation-east-africa/): What employers must insure or pay for work injuries: WIBA in Kenya, Uganda's Workers Compensation Act, WCF in Tanzania, Ethiopia's Labour Proclamation, COIDA.
- [Insurance markets compared: Kenya, Uganda, Tanzania, Ethiopia, South Africa](https://tulinde.africa/compare/insurance-markets-east-africa/): Insurance penetration, premiums and number of licensed insurers in Kenya, Uganda, Tanzania, Ethiopia and South Africa, from the regulators' latest reports.
- [Insurance groups across East Africa: who is licensed where](https://tulinde.africa/compare/insurance-groups-east-africa/): Which big insurance groups are licensed in Kenya, Uganda and Tanzania, and for what: Britam, Jubilee, ICEA LION, Sanlam Allianz, CIC, APA, GA, MUA, Old Mutual and more — from the regulators' lists.
- [Car insurance checklist: 10 things to check before you pay](https://tulinde.africa/checklists/motor/)
- [Motorcycle and boda boda insurance checklist](https://tulinde.africa/checklists/motorcycle/)
- [Commercial and passenger vehicle insurance checklist](https://tulinde.africa/checklists/commercial/)
- [Health insurance checklist: 10 questions before you sign](https://tulinde.africa/checklists/health/)
- [Life insurance checklist](https://tulinde.africa/checklists/life/)
- [Home insurance checklist](https://tulinde.africa/checklists/home/)
- [Business insurance checklist](https://tulinde.africa/checklists/business/)
- [Travel and cross-border driving checklist](https://tulinde.africa/checklists/travel/)

## Optional

- [Full text of this domain (short answers, sections, FAQ, sources)](https://tulinde.co.ug/llms-full.txt)
- [Tulinde regional hub, Ethiopia, Botswana, Ghana, Malawi, Namibia, Nigeria, Rwanda, Zambia and Zimbabwe (tulinde.africa): llms.txt](https://tulinde.africa/llms.txt)
- [Tulinde Kenya (tulinde.co.ke): llms.txt](https://tulinde.co.ke/llms.txt)
- [Tulinde Tanzania (tulinde.co.tz): llms.txt](https://tulinde.co.tz/llms.txt)
- [Tulinde South Africa (tulinde.co.za): llms.txt](https://tulinde.co.za/llms.txt)
- [About Tulinde](https://tulinde.africa/about/): Tulinde explains insurance in Kenya, Uganda, Tanzania and Ethiopia and puts people in touch with licensed insurers and brokers.
- [How Tulinde works and how we make money](https://tulinde.africa/how-tulinde-works/): Tulinde is free for you. Licensed insurers and brokers pay for introductions. Here is exactly how it works and what we never do.
- [Editorial policy: how we check every fact](https://tulinde.africa/editorial-policy/): Every rule, date and figure on Tulinde is linked to a regulator, an Act or an official report. How we write, check and update our guides.
- [Terms of use](https://tulinde.africa/terms/): The terms that apply when you use Tulinde's guides and quote request form.
- [Insurance glossary](https://tulinde.africa/glossary/)
- [Privacy notice](https://tulinde.africa/privacy/)
- [Sitemap](https://tulinde.co.ug/sitemap.xml)