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Motor Cycles

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

Frequently Asked Questions

Motor Insurance is also called as Car (Two Wheeler) insurance, Vehicle insurance or Auto insurance. As the name suggests, a motor insurance is an insurance for two wheelers, cars, trucks, motorcycles, etc. The basic purpose of Motor insurance is to provide financial protection against physical damage to the vehicle or bodily injury to third party as a result of accidents, collisions apart from liabilities arising from such incidents. Motor insurance gives protection to the vehicle owner against;

(i). damages to his/her vehicle

(ii). pays for any Third Party Liability determined as per law against the owner of the vehicle. Third Party Insurance is a statutory and legal requirement and hence every vehicle owner should mandatorily insured his/her vehicle at least for Third Party cover. The owner of the vehicle is legally liable for any injury or damage to third party life or property caused by or arising out of the use of the vehicle in a public place.

Motor third party insurance was introduced by the Motor Vehicle Insurance (Third Party Risks) Act in 1989. The Act provides for compulsory insurance against third party bodily risks in respect of the use of vehicles.

It is mandatory that any vehicle, van or motorcycle for private or commercial use should have Motor Third Party insurance cover. The law only exempts Government owned vehicles.

The person who benefits from Motor Third Party is a third party who suffers loss or death or bodily injury as a result of an accident. This maybe any road user, such as a pedestrian, a motor vehicle passenger, a property owner involved in an accident.

The first party is the owner of the vehicle or motorcycle whereas the insurance company is the second party.

Please note that this type of insurance protects the interest of only third parties, not yours.

In addition to third-party liability, a comprehensive insurance plan protects your vehicle against risks like theft, vandalism, and fire. It also covers you if your car or bike suffers any loss or damage due to natural or man-made disasters such as floods, cyclones, earthquakes, riots, and so on.

Your insurance policy follows the vehicle, not the driver. If your vehicle is being driven by someone else with your permission, the insurer will still be liable to pay for damages up to the sum assured.

Once you have intimated the insurer, you will be provided with a claim number. On submitting the required documents, your claim will be processed within a short period of time in accordance with the policy’s terms and conditions.

A commercial car has a higher exposure to risk as it is used more than a private car. The vehicle will be used repeatedly to carry out commercial activities, which makes it vulnerable to accidents and third party liabilities.

A private vehicle  Insurance  is a type of insurance policy meant for cars that cannot be legally used for commercial or business activities such as transporting goods or people from one place to another.

For one to purchase Motor Third Party Online the following payment options are available

  1. Using MTN Mobile money type the following code; *165*4*5*5# press enter and follow the prompts.
  2. Using Airtel Money type the following code: *185*7*6*1# press enter and follow the prompts.
  3. Once the transaction is complete one will get two text messages
    • One indicates that the transaction has been completed
    • Another showing the sticker reference number.
  4. Once you get the sticker reference number, show it to one of our agents at the outlets, branches, or at head office and a sticker will be printed for you.

You can also send us the reference number on our WhatsApp support group through the URL: LnZJ7ZABQ4cJepuM8DhjlH and we shall advise on the delivery options.

Please find below a flyer with the summarized information of the same.

  1. Download Flyer