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Motorcycle and boda boda insurance in Uganda

Boda boda insurance in Uganda

Third-party cover, premiums and risks

Motor & vehicles2 min read · Reviewed on by the Tulinde editorial team · how we check facts

Short answerChecked 28 October 2026
Every motorcycle in Uganda needs third-party insurance, and a passenger counts as a third party, so boda boda passengers are covered. The regulations set the premium by engine size — UGX 6,520 for a 150–300 cc motorcycle — but the cover is only UGX 1 million per person. Riders and passengers were 47% of road deaths in 2024 (Uganda Police).
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What cover does a boda boda need?Are my passengers covered?What should I check before I buy?
On this page · 5 sections
  1. Why it matters: the police figures
  2. Third-party premiums for motorcycles
  3. Passengers and the UGX 1 million limit
  4. FAQ
  5. Sources

Why it matters: the police figures

From the Uganda Police Annual Crime Report 2024:

2024Deaths
All road deaths5,144 (4,806 in 2023)
Motorcyclists killed1,720 (1,520 in 2023)
Motorcycle passengers killed676 (614 in 2023)

In 2025 road deaths rose to 5,383, and motorcyclists (riders and passengers) were 55% of the seriously injured (2025 report).

Third-party premiums for motorcycles

Set by the Motor Vehicle Insurance (Third Party Risks) Regulations (SI 214-1):

Engine sizePremium (UGX)
Up to 50 cc3,260
50–150 cc3,915
150–300 cc6,520
300–500 cc9,785
Above 500 cc13,045
These are the amounts in the regulations. The price you pay can include levies (such as the 0.5% training levy) — ask for the full amount before paying by mobile money.

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; to insure the motorcycle itself, IRA's minimum comprehensive rate is 10% of its value a year (comprehensive costs). Check a bike's cover with the digital sticker check; premiums for every other vehicle are in the third-party price list.

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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.

Sources

  1. Motor Vehicle Insurance (Third Party Risks) Regulations (SI 214-1) — IRA Uganda
  2. Motor Vehicle Insurance (Third Party Risks) Act — ULII
  3. IRA Uganda — what is motor third party insurance?
  4. Uganda Police Force — Annual Crime Report 2024
  5. Uganda Police Force — Annual Crime Report 2025
  6. IRA Uganda — approved minimum premium rate guidelines, 2019 (motor comprehensive rates and geographical extensions)
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Regulator in Uganda: IRA Uganda

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