How much is third-party insurance in Uganda? Calculator
Third-party cover for one year: the premium of the regulations (UGX 21,910), 18% VAT on it, the 0.5% training levy and the UGX 35,000 stamp duty on the policy.
| Basic premium (item 1(a))Third Party Risks Regulations, Second Schedule | UGX 21,910 |
| Training levy, 0.5% of the premiumIRA 2024 market report; Insurance Act 2017, s.141 | UGX 110 |
| VAT, 18% of the premiumVAT Act Cap. 344 (URA); VAT (Amendment) Act 2014 | UGX 3,944 |
| Stamp duty on the policyStamp Duty Act, Schedule 2, item 48(a) | UGX 35,000 |
| Estimated total | UGX 60,964 |
Indicative. The amount shown when you dial *165*4*5*5# (MTN) or *185*7*6*1# (Airtel) and enter your plate is what you pay; an insurer or agent may add charges for issuing the sticker that the regulations do not set. Cover is limited to UGX 1 million per person and UGX 10 million per accident.
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How the price is built
Four parts, each set by a different text:
| Part | Amount | Source |
|---|---|---|
| Premium | Fixed per class of vehicle, by seats, engine size or weight | Third Party Risks Regulations, Second Schedule |
| VAT | 18% of the premium: non-life insurance has been taxable since 1 July 2014 (only health, life, micro and re-insurance stay exempt) | URA, VAT; VAT (Amendment) Act 2014, s.4 |
| Training levy | 0.5% of the premium, charged to the client | IRA 2024 market report; Insurance Act 2017, s.141 |
| Stamp duty | UGX 35,000 per policy of insurance (life insurance: nil) | Stamp Duty Act, Schedule 2, item 48 |
The regulations call the premium the "recommended premium payable by the insured" for the statutory limits of UGX 1 million per person and UGX 10 million per accident (reg. 4). An insurer or agent may add a charge for issuing the sticker that these texts do not set; the calculator leaves it out.
Premiums for the most common vehicles
| Vehicle | Premium (UGX) |
|---|---|
| Private car, own use (Class I) | 21,910 + 1,000 per passenger above 5, driver included |
| Car for company use, employed driver (Class II) | 27,390 + 1,000 per passenger above 5 |
| Motorcycle up to 50 cc / 51–150 cc / 151–300 cc | 3,260 / 3,915 / 6,520 |
| Motorcycle 301–500 cc / above 500 cc | 9,785 / 13,045 |
| Taxi (PSV) up to 2,000 cc | 32,605 + 3,915 per passenger seat |
| Private hire or self-drive up to 2,000 cc | 31,950 + 3,650 per passenger seat |
| Public bus / private bus (PMO) | 50,000 + 5,220 per seat / 45,000 + 3,915 per seat |
| Goods vehicle, own goods, up to 1,500 kg / 1,501–3,000 kg | 18,260 / 27,390 |
| Goods vehicle for hire, up to 1,500 kg / 1,501–3,000 kg | 27,390 / 40,780 |
Vans with 20 seats or more are rated as buses. The full schedule — tankers, haulers, tractors, construction equipment, motor trade plates — is in the regulations.
Worked example
| Private car, 5 seats | Taxi up to 2,000 cc, 14 seats | |
|---|---|---|
| Premium | 21,910 | 32,605 + 14 × 3,915 = 87,415 |
| VAT 18% | 3,944 | 15,735 |
| Training levy 0.5% | 110 | 437 |
| Stamp duty | 35,000 | 35,000 |
| Total | UGX 60,963 | UGX 138,587 |
Paying and getting the sticker
Pay by mobile money (MTN *165*4*5*5#, Airtel *185*7*6*1#), at a Pay Way terminal or at Centenary Bank or DTB branches; you receive a reference number by SMS and the insurer or agent generates the digital sticker (IRA; Uganda Insurers Association). The policy lasts 12 months. Step by step: paying third party on Airtel; to check a sticker: check motor insurance.
Third party only pays other people for death or injury. To cover your own vehicle, see the comprehensive insurance calculator and third party or comprehensive.
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Frequently asked questions
How much is third party insurance in Uganda?
The regulated premium is UGX 21,910 for a private car with up to 5 seats. With 18% VAT, the 0.5% training levy and UGX 35,000 stamp duty, about UGX 60,963; the mobile money menu shows the exact amount.
How much is third party insurance for a boda boda in Uganda?
UGX 3,915 premium for a 51–150 cc motorcycle (UGX 6,520 for 151–300 cc), plus 18% VAT, the training levy and the UGX 35,000 stamp duty per policy: about UGX 39,639 for the 51–150 cc class.
How is third party insurance for a taxi calculated?
A basic premium by engine size plus an amount per passenger seat: UGX 32,605 + 3,915 per seat up to 2,000 cc.
Can I pay motor third party in cash?
No. IRA stopped cash payment for motor third party on 1 July 2020: pay by MTN or Airtel mobile money, Pay Way, Centenary Bank or DTB.
How long is a third party sticker valid?
12 months from the date of issue, according to the Uganda Insurers Association.
Sources
- Motor Vehicle Insurance (Third Party Risks) Regulations, SI 214-1 — Second Schedule, premium rates (IRA Uganda)
- Uganda Revenue Authority — Value Added Tax: standard rate 18%, exempt supplies (VAT Act Cap. 344)
- Value Added Tax (Amendment) Act, 2014, s.4 — insurance exemption limited to health, life, micro and re-insurance (Parliament of Uganda)
- IRA Uganda — 2024 Annual Insurance Market Report (training levy 0.5%)
- Insurance Act, 2017, s.141 — insurance training levy (IRA Uganda)
- Stamp Duty Act, Cap. 339 (revised 2023), Schedule 2 item 48 — ULII, Web Archive copy
- IRA Uganda — how the motor third party mobile payment platform works
- Uganda Insurers Association — motor third party FAQ