Photo: Bahnfrend, Wikimedia Commons, CC BY-SA 4.0Third-party vs comprehensive in Uganda
Third-party vs comprehensive car insurance in Uganda
Short answerChecked 23 September 2026
IRA Uganda describes three motor covers. Motor third party pays for death and injury to other people. Accident, fire and theft pays for damage to your own vehicle from those causes. Comprehensive combines third-party injury and/or property damage with loss or damage to your own vehicle. Only third party is compulsory.
Side by side
The definitions come from IRA's consumer FAQ:
| Motor third party | Accident, fire and theft | Comprehensive | |
|---|---|---|---|
| Compulsory | Yes | No | No |
| Death or injury to other people | Yes — within UGX 1 m / 10 m | No | Yes |
| Damage to other people's property | No | No | Yes (and/or, per policy) |
| Damage to your own vehicle | No | Yes — accident, fire, theft | Yes |
IRA's 2019 minimum-rate guidelines give third party, fire and theft a 30% discount on the motor rate, and price extra third-party limits at 0.5% of the limit above the statutory amount (IRA).
Which one do you need?
- The statutory limits are low (UGX 1 million per person): if you cause a serious accident, you may be personally liable for the rest. Ask for higher third-party limits.
- Car on a loan: the lender will usually require comprehensive cover.
- Boda boda, taxi or commercial vehicle: ask for a policy that covers commercial use and passengers.
What would you like to do now?
Frequently asked questions
What is the difference between third party and comprehensive in Uganda?
Third party only covers injury or death you cause to others. Comprehensive also covers damage to other people's property and to your own vehicle (IRA Uganda FAQ).