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Motor Cycles

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Motor Cycles

Starting From 10% Annually


The private motorcycle is a type of insurance policy that covers Destini 125, Xpulse 200, Hunter 125 type of motorcycles for private use only.

Your motorcycle is one of the milestone investments in your life. It is a reflection of the person who drives it. It has toiled for you so many times and it is time you think about protecting your motorcycle from unforeseen events such as theft or accident which can harm your cycle..

Considering the exorbitant motor repair costs these days even slight damage to your motorcycle can burn a hole in your pocket. Hence, it is prudent to purchase a Motorcycle Insurance policy that understands the importance of an automobile in your life. 

This insurance policy will cover you financially against the losses that arise due to an accident, natural calamity, theft, or fire. It not only provides reimbursement for third-party losses but also provides compensation in case of a personal accident to the owner.

Indemnity against loss of or material damage to the Insured vehicle and third-party liability
1  Indemnity against loss of or material :  Ushs. 10,000,000= per person, Ushs. 50,000,000 per occurrence 
  damage to any person (Bodily Injury) and in aggregate any one period of Insurance.
2 Third Party property damage Ushs. 50,000,000 per occurrence and in aggregate anyone period 
    of Insurance.
3 Medical Expenses for rider Following accident  Up to 500,000= 
4 Locks & Keys extension Limit  Actual proforma invoice value from vendor per incident
5 Towing/Wreckage removal charges Actual charges are subject to proof but up to UGX500,000
6 Contingent/Vicarious Liability  Limit Up to Ushs. 3,000,000/=
7 Authority to Repair  Up to Ushs. 500,000/=
9 Geographical limit  Uganda
10 Rescue operation and completion of the journey Up to 1,000,000=, 500,000/= respectively
11 Personal Accident to the rider (For Death and Permanent Total Disability only) Up to Ushs. 3,000,000/= 
12 Ambulance  and Nursing charges  following accident  Up to Ushs. 500,000
13 Protection of the motorcycle following an accident  Up to Ushs. 500,000
14 Vandalism of the motorcycle  Covered up to actual costs incurred
15 Damage to tires following an accident Covered up to actual costs incurred but up to Ushs 500,000
16 Claims preparation costs Actual charges are subject to proof but up to UGX 500,000
17 Riots, Strikes, Political civil commotion & malicious damage Covered up to actual costs incurred but up to Ushs 500,000
18 Intoxication clause Covered within the prescribed alcohol limit not exceeding the legal limit as per Ugandan Laws.
19 Free Training of staff in Risk Management and Claims Processing Covered
20 Notice of Cancellation 30 Days excluding weekends 
21 Waiver of Police Report for Minor Claims  Covered
22 Court Legal Liability Up to Ushs. 3,000,000
23 Assignment of Client Relationship Officer to handle day-to-day client needs Reduces or provides minimum involvement of the client's staff in the administration of the policy thus giving enhanced customer satisfaction   
1 Theft by own employees
2 Depreciation, wear and tear
3 Mechanical or electric failures or breakages
4 Damage to tires by braking, punctures, cuts, or bursts
EXCESS: Private as per IRA Minimum Rates
Own Damage: 10% of Claim, minimum UGX100,000
Theft & Total Loss: 15% of Claim, minimum UGX100,000