Car Insurance
Motor Insurance
Featured
Provides protection against the losses incurred as a result of fire, theft, accidents, and any subsequent liabilities
What is Covered?
- Loss or damage of the vehicle.
- Cover if you injure someone or damage their vehicle or property.
- Vehicle recovery
- Legal costs
- Medical expenses.
- Replacement of locks, transmitters, immobilizers, glass etc.
- Breakdown cover. (Roadside assistance, Recovery)
- Protected no claims discount.
- Motor legal (Help recovering your compensation & financial losses
- Courtesy car(Access to a replacement vehicle.)
- Foreign use (cover driving in most European countries)
- Motor Injury Protection Plus & Physiotherapy for you.
Vuga Motor Cover
Protects the Insured against loss if the motor vehicle insured is involved in a motor accident, burnt, stolen & third-party liability arising from use of the insured motor vehicle.
The policy covers the vehicle in the event of any of the following:
- Accident damage
- Theft
- Fire
- Malicious damage
- Riots, strikes,and Civil commotion
- Political violence and terrorism
- Third party liability
Exclusions
- Theft by your own employees
- Consequential Losses e.g. loss of use
- Depreciation, wear and tear, mechanical and electrical breakdown
- Damage to tyres unless the vehicle is damaged as well.
- War and related perils
- Any driver driving under the influence of Alcohol or drugs
- Comprehensive motor Insurance policy.
- Political Violence and Terrorism cover the no extra cost for vehicles, valued up to 50.M.
- Free riveting & marking for Clients who pay upfront for vehicles valued at 15m
- Waiver of the police report for theft of parts in case of a minor accident not involving a third party, however, the insured should report the accident to the police to obtain a reference number.
- Towing of accidentally damaged vehicles
- Choice of a panel of 10 garages.
- Claim payments are made directly to the garages upon customer confirmation of satisfactory repairs.
- Settlement within 2 days.
- Medical cover arising out of an accident of an insured vehicle up to 2m.
Britam Motor Insurance
Covered against accidental/loss of or damage to the motor vehicle and its accessories and spare parts whilst thereon due to any cause other than those causes specifically excluded by the policy.
Third Party Motor Insurance.
- Mandatory cover that will only protect you from damage and losses carried to a third party but won’t cover your own damages in case of an accident.
Types
- Third Party Only (TPO) covers the insured from liability arising out of damage to third party persons and injuries caused by the insured vehicle.
- Third Party, Fire & Theft (TP&FT) – covers third-party liability and provides protection against fire and theft of your vehicle.
Liability to third parties
- Any accident caused by or through or in connection with any insured vehicle or in connection with loading and/or unloading. The cover applies when the insured party becomes legally liable to pay all sums including claimants’ costs and expenses.
What is covered
- Death of or Injury to any person (excluding employees or family members)
- Damage to property other than property belonging to the Insured or in care, custody or control of Insured, or being conveyed by, loaded on to or unloaded from such vehicle.
You will get a compensation amount subject to an excess(a portion of the sum you have been insured for that you are required to pay.
Мotor Private Insurance
Protects you against loss or damage and theft of your car
Motor private insurance
- Protects you against loss or damage and theft of your car
Covers
- Accidental damage
- Riot and strikes
- Special perils which include flood, typhoon, hurricane, earthquake and volcanic eruption
- Fire
- Theft
- Windscreen
- Radio cassette
Extras
- Emergency medical expenses for passengers
- Towing charges
- Third party property damage/Third party bodily injury/Death
- Passenger liability
- Towing/recovery charges
- Loss of Use
Simba Motor Policy
Protect your car from liabilities arising from own damage, theft, and liability to third parties in the event of death or bodily injury to any person, property damage.
- comprehensive.
- Third-party Fire & Theft.
- Third-party endianced.
- Motorcycle Insurance.
- Medical expense of up to 2M in case you cause injury to another party at any hospital.
- Keep you on the road while your car is being repaired at any of our approved garages. Limit of UGX 1.5 million.
- If there is damage to property belonging to third parties, covered to a limit of 100 M.
- Tow charges are covered to a limit of 2,000,000/= UGX. (additional costs you cover out of your own pocket.)
- Windscreen replacement.
- Radio replacement.
- Free valuation first time you make a comprehensive cover with us.
- Motor insurance portal enables you to get a quote, buy, and have your digital motor certificate emailed to you.
Motor Vehicle Insurance
Cover against accidental loss or damage of the motor vehicle, accessories or spare parts
- Third party Bodily Injury or death. Covers legal liabilities for injuries or fatalities caused to other road users.
- Third party property damage.
- Legal liability cover.
- Digital convenience using LIBA platform.
NB: Doest cover damage to your own vehicle
Comprehensive Motor Insurance
Providing extensive protection beyond the mandatory Third party coverage. It protects both you and your vehicle against a wide range of risks.
- Covers own vehicle damage.
- Theft & vandalism protection
- Third party liability
- Digital convenience via LIBA platform.
- Affordable flexible plans.
Motor Commercial Comprehensive
Provides protection against accidental loss or damage to motor vehicle, third party property damage, bodily injury or death liabilities
The various scopes of cover available are as follows:
- Comprehensive
- Third Party, Fire & Theft
- Third Party only
Comprehensive Cover.
This is the widest cover available and provides indemnity from:
- Accidental damage to the vehicle, including fire damage
- Theft of vehicle
- Damage to other vehicles or property (TPPD)
- Injury to or death of a passenger in your vehicle (applicable to private cars)
- Injury to or death of Third Party person(s) outside your vehicle, caused by your vehicle (TPPI)
The above are the basic areas under the Comprehensive cover. However, the policy can be extended to cover the following, normally at a nominal additional cost;
- Riot, strike and civil commotion.
- Flood, typhoon, hurricane, volcanic eruption and earthquake.
- Windscreen (Replacement if windscreen breaks accidentally)
- Non-standard accessories like radio cassette etc
- Medical expenses
- Towing expenses
Third Party Only
This covers liability for third party property damage, personal injuries or death. For any vehicle, this is the minimum cover required by the Motor Insurance Act.
General Exceptions
- loss of use.
- Wear & Tear
- Mechanical, electric breakdown,
- Damage by frost.
- Damage to tyres by application of breaks read punctures, cuts or bursts
- Cover excluded from comprehensive cover.
- Personal accident benefits
- Medical expenses
Third Party, Fire and Theft Cover.
It has features of Comprehensive cover but excludes damage arising from an accident. It covers third party risks and in addition to that it also covers loss or damage by fire, external explosion, self-ignition or lighting or burglary or theft.
The policy may be extended to include the above extra covers under comprehensive cover.
- Motor Cycle – image: motor-cycle.jpg (folder: products & images with overlay > Product main)
General Exceptions
- Loss of use.
- Mechanical / electrical breakdown.
- Damage by Frost.
- Accidents outside geographical areas covered by policy.
- Damage caused by flood
- Policy indemnifies the insured against loss or damage to any motor cycle including accessories.
Motor Third Party
Usually the minimum legal requirement for vehicle owners in many jurisdiction
- Affordable premiums
- legal compliance with motor insurance laws,
- Option to upgrade to comprehensive cover. (Broader protection)
Comprehensive Motor Insurance
Extensive protection to your vehicle
- Covers accidental damage.
- Fire & Theft protection.
- Third party liability
- Windscreen cover
- Towing & Roadside Help.
- Fongafale cover.
- Dents & facts