Photo: Tmaokisa, Wikimedia Commons, CC BY-SA 4.0Boda boda insurance in Uganda: third-party cover, premiums and risks
Why it matters: the police figures
From the Uganda Police Annual Crime Report 2024:
| 2024 | Deaths |
|---|---|
| All road deaths | 5,144 (4,806 in 2023) |
| Motorcyclists killed | 1,720 (1,520 in 2023) |
| Motorcycle passengers killed | 676 (614 in 2023) |
In 2025 road deaths rose to 5,383, and motorcyclists (riders and passengers) were 55% of the seriously injured (2025 report).
Passengers and the UGX 1 million limit
The Act covers death or injury to "another person" and excludes only the insured's employees (s.3(b)); a passenger carried for hire cannot be made to waive that protection (s.14). IRA confirms that third-party cover is mandatory for any vehicle, van or motorcycle and that a passenger is a third party.
But the statutory limit is UGX 1 million per person and UGX 10 million per accident (reg. 4). The rider is not covered. For the rider's own injuries, ask about personal accident cover.
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Frequently asked questions
How much is boda boda insurance in Uganda?
The regulations set third-party premiums by engine size: UGX 3,915 for 50–150 cc and UGX 6,520 for 150–300 cc, before any levies.
Are boda boda passengers insured in Uganda?
Yes. A passenger counts as a third party, and a passenger for hire cannot waive the cover (Act s.3(b) and s.14). The limit is UGX 1 million per person.