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[Private] Vehicle

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[Private] Vehicle

Starting From 4% Annually


The private motor is a type of insurance policy that covers Saloons, Station wagons & Pick-ups for private use only.

Your vehicle 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 vehicle from unforeseen events such as theft or accident which can harm your vehicle.

Considering the exorbitant motor repair costs these days even slight damage to your vehicle can burn a hole in your pocket. Hence, it is prudent to purchase a Motor 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.


Geographical AreaUganda
3rd Party Bodily Injury & or Death per person anyone Incident10,000,000/=
3rd Party Bodily Injury in Aggregate50,000,000/=
3rd Party Property Damage in Aggregate50,000,000/=
Medical expenses to the Insured/driver following a motor accident in the Insured vehicle for the driverUp to 2,000,000/=
Claims preparation costs (costs involved in making a claim will be reimbursed to the Insured)Up to 2,000,000/=
Fire Extinguishing Charges ExtensionUp to 2,000,000/=
Radio Cassette /CD/TVUp to 1,000,000/=
Locks and Keys extensionUp to 1,000,000/=
Windscreen ReplacementReplacement Cost
Removal & Towing limit / Breakdown ServiceActual Charges Subject to Proof
Authority to repairUp to 1,500,000/=
Vehicle protection following an accidentUp to 2,000,000/=
Vanderism of VehicleUp to actual cost incured
Wrong FuelUp to 1,000,000/=
Replacement of parts clauseCovered
Suspension of Cover ClauseCovered
Intoxication ClauseCovered
Average ClauseCovered
Loss by FireCovered
Loss by TheftCovered
Loss due to damages caused by floods, hurricane, storms, earthquakes and other related occurrencesCovered
Parking Facility & Movement of VehiclesCovered
Loss through Riots, Civil Commotion and Malicious DamageCovered
Rescue Operations & Completion of JourneyUp to 2,000,000/= / 1,500,000 Respectively
Loss of personal effects excluding money & electronic gadgets like cell phones & laptopsUp to 500,000/=
Court legal liabilityUp to 6,000,000/=
Contigent of the carriers liabilityUp to 5,000,000/=


The following is a short form listing of major policy
  1. War and related perils
  2. Theft by own employees
  3. Damage to Tyres by braking, punctures, cuts, or bursts.
  4. Depreciation, wear, and tear
  5. Mechanical or electrical failures or breakages