Rwanda · InsuranceMotorInsurance
Moto-taxi cover. RURA compliant. Carte rose. From RWF 15,000/yr.
Trusted Cover
Rwanda · Acentria
About This Cover
Why Motor Insurance?
Rwanda has one of East Africa's best road networks — and one of the continent's strictest vehicle insurance enforcement regimes. RURA (Rwanda Utilities Regulatory Authority) checks are regular; driving without valid insurance risks fines and vehicle impoundment. Whether you drive a private car in Kigali, operate a moto-taxi fleet, or manage a corporate vehicle pool, Acentria Rwanda Motor Insurance has you covered.
"Moto-taxi cover. RURA compliant. Carte rose. From RWF 15,000/yr."
Coverage Details
What's Covered
Motor Insurance covers a wide range of risks to give you and your loved ones complete peace of mind.
Same-day policy issuance — digital certificate sent immediately
Comprehensive cover from KES 35,000/yr · Third Party from KES 7,500/yr
Claims hotline answered in under 2 minutes, 24/7
Emergency roadside assistance — towing, fuel, flat tyre, anywhere in Kenya
New-for-old vehicle replacement within the first 12 months
Courtesy vehicle during repairs at an approved garage
Windscreen replacement with unlimited cover (Comprehensive)
Personal accident up to KES 1,000,000 for driver and passengers
Loss or damage by fire, theft, and natural perils
NTSA-compliant insurance certificates issued instantly
Flexible Options
Which Plan Is Right for You?
Choose the plan that fits your life stage, budget, and goals. All plans are backed by Acentria's service promise.
Comprehensive Motor Insurance
Full protection for your vehicle on Rwanda's roads — accidental damage, theft, fire, and third-party liability.
- Own damage cover
- Third-party bodily injury & property damage
- Theft and fire protection
- Windscreen replacement
- Personal accident cover
- Roadside assistance
Third Party Only
Meets the legal minimum under Rwanda's Motor Vehicle Insurance Act. Required by RURA for all registered vehicles. Certificate issued same day.
- Third-party bodily injury
- Third-party property damage
- Legal defence costs
Moto-Taxi Specialist Cover
Rwanda's moto-taxis are a vital urban transport layer. This specialist plan covers riders and passengers with affordable premiums and mobile payment options.
- Rider personal accident
- Passenger liability
- Third-party cover
- Mobile Money payment
- Monthly premium option
Compare Plans
Coverage Comparison
See exactly what's included in each plan — so you can choose with confidence.
| Coverage Item | Most Popular Comprehensive Motor Insurance From RWF 180,000/yr | Third Party Only From RWF 45,000/yr | Moto-Taxi Specialist Cover From RWF 15,000/yr |
|---|---|---|---|
| Own accidental damage | |||
| Third-party bodily injury | |||
| Third-party property damage | |||
| Fire and theft | |||
| Windscreen replacement | RWF 200,000 | Unlimited | |
| Personal accident cover | RWF 3,000,000 | RWF 6,000,000 | |
| Roadside assistance | |||
| Courtesy vehicle | |||
Why Acentria
Why Choose Us
RURA Compliance — Same-Day Cert
RURA roadblocks are regular. We issue your RURA-compliant certificate on the same day as purchase — no gaps, no fines.
COMESA Yellow Card
Travelling to Uganda, Kenya, Tanzania, or beyond? We issue COMESA yellow card cover for all member states — required when crossing into East African countries.
Approved Garages in Kigali
Our panel of RURA-approved repairers across Kigali, Musanze, and Huye ensures quality repairs with genuine parts and no out-of-pocket surprises.
Digital Certificate Delivery
Your policy certificate is emailed and WhatsApp-delivered within minutes of purchase. No queuing at an office.
Simple Process
Getting Covered Is Simple
Get a Quote
Fill in a simple online form or call us. Receive a personalised quote within minutes.
Choose Your Plan
Compare plans, pick the level of cover that fits your life stage and budget.
Get Covered
Pay your premium, receive your policy instantly, and enjoy peace of mind from day one.
Common Questions
Frequently Asked
We have all the answers. If you don't find yours here, our specialists are a call away.
Instant Estimate
How Much Will It Cost?
Get an indicative premium in seconds — no forms, no callbacks.
Premium Calculator
Get an Instant Estimate
Indicative premiums — final pricing subject to underwriting
Estimated Premium
Indicative only. Exact premium confirmed at application.
No commitment · 2-minute form
Proof, Not Promises
Real Claims. Real Outcomes.
Every number represents a real client we helped get back on their feet. Details anonymised to protect privacy.
Motor — Comprehensive Write-Off
Kigali Business Owner
A Kigali business owner's vehicle was written off in an accident days before a major regional conference. Acentria fast-tracked the claims assessment and secured the full agreed-value payout within 8 working days. The client purchased a replacement vehicle in time for the conference without business disruption.
Amount Paid
RWF 4,500,000
Settlement
8 days
Health — Emergency Surgery
Kigali Professional
A Kigali-based professional required emergency surgery at King Faisal Hospital. Acentria pre-authorised the procedure on the same day as the specialist's referral. Direct billing was activated, the client paid nothing upfront, and was discharged within 2 days with all costs fully settled by the insurer.
Amount Paid
RWF 2,800,000
Settlement
2 days
MICE — Event Cancellation
Kigali Event Organiser
A Kigali-based event organiser was forced to cancel a major conference when the contracted venue suffered a plumbing emergency 72 hours before the event. Acentria's event cancellation policy covered venue penalties, catering cancellation fees, and delegate travel costs in full. The complete settlement of RWF 18 million was paid within 12 working days.
Amount Paid
RWF 18,000,000
Settlement
12 days
Have a claim to report? Report it here →
Authorised & Regulated
Fully Licensed Across Africa
Acentria operates under the regulatory oversight of the relevant national insurance authorities in every market we serve — so your cover is always backed by law.
2025 Claims Performance
Backed By The Best
Our Reinsurance & Partner Network
Acentria's capacity is supported by the world's largest reinsurers and trusted African financial institutions — so every claim is backed by solid capital.
Reinsurer
Reinsurer
Reinsurer
Reinsurer
Client Stories
Trusted by Thousands Across Africa
Acentria's motor insurance claim was processed in under 24 hours. Their team guided me through every step — truly outstanding service.
David Mwangi
Fleet Manager, Transline Group
Our company has relied on Acentria for group life and health cover for three years. They understand the African insurance landscape better than anyone.
Grace Kamau
Head of HR, Safaricom PLC
Where We Are
Our Offices Across Africa
Every office commits to our service response SLA — so you always know when to expect to hear from us.
Nairobi
Westlands Road, Westlands, Nairobi
Dar es Salaam
Ohio Street, CBD, Dar es Salaam
Lusaka
Cairo Road, City Centre, Lusaka
Kampala
Plot 1, Parliament Avenue, Kampala
Get Started Today
Secure What Matters Most. Let Acentria Tailor Your Motor Insurance.
Speak with one of our Rwanda specialists today and get a personalised solution within 24 hours.
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