Uganda · InsuranceMotorInsurance
Boda-boda cover. Corporate fleet. MTN Mobile Money. From UGX 60,000/yr.
Trusted Cover
Uganda · Acentria
About This Cover
Why Motor Insurance?
Uganda recorded over 17,000 road traffic accidents in 2024 — thousands involve boda-bodas and commercial vehicles. Third-party cover is legally mandatory under Uganda's Motor Vehicle (Third Party Risks) Act, yet millions drive uninsured. Acentria Uganda Motor Insurance covers every road user: private cars, commercial fleets, motorcycles, and boda-boda operators. Buy in minutes, pay via mobile money, and get your certificate immediately.
"Boda-boda cover. Corporate fleet. MTN Mobile Money. From UGX 60,000/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 against accidental damage, theft, fire, and third-party liability. The most complete cover for Ugandan roads.
- Own damage cover
- Third-party bodily injury & property damage
- Theft and fire protection
- Windscreen replacement
- Personal accident cover
- Roadside assistance across Uganda
Third Party Only
Meets the legal minimum under Uganda's Motor Vehicle (Third Party Risks) Act. Mandatory for every road user. Payable via MTN or Airtel Money.
- Third-party bodily injury
- Third-party property damage
- Legal defence costs
Boda-Boda Specialist Cover
Uganda has over 2 million registered boda-bodas — the backbone of urban transport. This specialist plan covers riders, passengers, and third parties at premiums designed for daily earners.
- Rider personal accident
- Passenger liability
- Third-party bodily injury & damage
- Weekly or monthly premium payments
- MTN/Airtel Money accepted
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 UGX 900,000/yr | Third Party Only From UGX 220,000/yr | Boda-Boda Specialist Cover From UGX 60,000/yr |
|---|---|---|---|
| Own accidental damage | |||
| Third-party bodily injury | |||
| Third-party property damage | |||
| Fire and theft | |||
| Windscreen replacement | UGX 800,000 | Unlimited | |
| Personal accident cover | UGX 8,000,000 | UGX 15,000,000 | |
| Roadside assistance | |||
| Courtesy vehicle | |||
Why Acentria
Why Choose Us
MTN & Airtel Money Payments
Pay your premium — and renew your policy — entirely via mobile money. No bank visit, no paperwork. Even boda-boda operators can pay weekly micro-premiums via mobile.
COMESA Yellow Card Available
Travelling to Kenya, Tanzania, Rwanda, or beyond? We issue COMESA yellow card cover for cross-border travel across all member states.
IRA Uganda Registered
Acentria Uganda is fully licensed and regulated by the Insurance Regulatory Authority of Uganda — your assurance of legitimate, accountable cover.
24-Hour Claims Response
Accidents happen at midnight. Our claims hotline operates 24/7 — call us from the roadside and we guide you through every step.
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 — Boda-Boda Accident
Boda-Boda Operator
A Kampala boda-boda operator was involved in an accident resulting in a passenger injury claim. Acentria managed the third-party medical and compensation process end to end. Full settlement was paid via MTN Mobile Money within 7 working days — keeping the operator compliant and financially protected.
Amount Paid
UGX 12,000,000
Settlement
7 days
Health — Emergency Surgery
Corporate Group Member
A Kampala-based corporate group member required emergency surgery at International Hospital Kampala (IHK). Acentria pre-authorised the procedure on the same day as notification. The full hospital bill was settled via direct billing — the client was discharged in 3 days without having handled a single invoice.
Amount Paid
UGX 45,000,000
Settlement
3 days
Fire — Commercial Property
Nakasero Retailer
An electrical fault caused a fire that destroyed the stock of a Nakasero retail business. Acentria appointed a surveyor within 24 hours and negotiated the full stock valuation with the insurer. The complete replacement value of UGX 180 million was paid within 21 working days, enabling the business to restock and reopen.
Amount Paid
UGX 180,000,000
Settlement
21 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
From policy issuance to claims support, the Uganda team at Acentria has been a reliable partner for our organisation for over five years.
Josephine Nakato
Procurement Manager, Uganda Development Corp.
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.
Kampala
Plot 1, Parliament Avenue, Kampala
Get Started Today
Secure What Matters Most. Let Acentria Tailor Your Motor Insurance.
Speak with one of our Uganda specialists today and get a personalised solution within 24 hours.
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