Zambia · InsuranceMotorInsurance
Lusaka roads. Copperbelt fleet cover. Airtel Money. From ZMW 1,200/yr.
Trusted Cover
Zambia · Acentria
About This Cover
Why Motor Insurance?
Whether you own a private vehicle, run a fleet, or ride a motorcycle, Acentria Zambia Motor Insurance offers flexible cover options designed to keep you protected on every journey.
"Lusaka roads. Copperbelt fleet cover. Airtel Money. From ZMW 1,200/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.
- Own damage cover
- Third-party bodily injury & property damage
- Theft and fire protection
- Windscreen replacement
- Personal accident cover
- Courtesy car during repairs
- Roadside assistance
Third Party Only
Covers your legal liability for injury or damage caused to others. Meets the minimum legal requirement in Zambia.
- Third-party bodily injury liability
- Third-party property damage liability
- Legal defence costs
- Emergency medical expenses
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 ZMW 4,500/yr | Third Party Only From ZMW 1,200/yr | Comprehensive |
|---|---|---|---|
| Own accidental damage | |||
| Third-party bodily injury | |||
| Third-party property damage | |||
| Fire and theft | |||
| Windscreen replacement | ZMW 5,000 | Unlimited | |
| Personal accident cover | ZMW 75,000 | ZMW 150,000 | |
| Roadside assistance | |||
| Courtesy vehicle | |||
Why Acentria
Why Choose Us
PIA Compliant — Always
Every policy we issue meets the Pensions and Insurance Authority of Zambia requirements. Your certificate is valid, traceable, and compliant from day one.
Pay with Airtel Money or MTN MoMo
No bank account needed. Pay your annual or monthly premium instantly via Airtel Money or MTN Mobile Money — from anywhere in Zambia.
300+ Approved Garages Nationwide
From Lusaka's Cairo Road workshops to Copperbelt repair centres in Kitwe and Ndola, our garage network keeps you moving after any incident.
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.
Mining Equipment — Breakdown & Fire
Copperbelt Mining Support
A Copperbelt mining support company suffered a combined breakdown and fire incident involving a key excavator. Acentria mobilised a specialist engineering adjuster within 48 hours and coordinated the valuation and replacement process. Full replacement value was paid within 14 working days and operations resumed on schedule.
Amount Paid
ZMW 850,000
Settlement
14 days
Motor — Fleet Vehicle Accident
Lusaka Logistics Company
A Lusaka logistics company's fleet vehicle was involved in an accident on the Great East Road, sustaining significant bodywork and mechanical damage. Acentria lodged the claim, managed the assessment process, and confirmed an approved repairer. Full repair costs were settled in 9 working days, keeping the fleet operational.
Amount Paid
ZMW 95,000
Settlement
9 days
Home — Burglary During Travel
Private Individual
A Kabulonga homeowner returned from an international trip to find the property had been burgled and electronics and valuables stolen. Acentria guided the client through the police report and documentation requirements. New-for-old replacement at current market value was settled within 7 working days — no depreciation applied.
Amount Paid
ZMW 45,000
Settlement
7 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
Reinsurance solutions that are responsive, expertly structured, and competitively priced. Acentria is our first call for any African risk placement.
Solomon Nyirenda
Chief Risk Officer, Zanaco Bank
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.
Lusaka
Cairo Road, City Centre, Lusaka
Get Started Today
Secure What Matters Most. Let Acentria Tailor Your Motor Insurance.
Speak with one of our Zambia specialists today and get a personalised solution within 24 hours.
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