1
Cash in Transit
Covers loss of cash, cheques, postal orders, and stamps in direct transit to and from banks or places of disbursement.
Solutions > Money Insurance
Protect Your Cash – In Transit & On Premises
From bank runs to staff wages, your business cash is constantly exposed to loss. The APA Money Insurance policy covers loss of cash, cheques, postal orders, and stamps under multiple circumstances: in transit to and from banks or places of
Transit & Static Cash Cover
Protects business cash, cheques, and stamps in transit and on premises against theft
Custom Circumstance Limits
Structure limits matching safes, business hours handling, and transits
What is APA Money Insurance?
From bank runs to staff wages, your business cash is constantly exposed to loss. The APA Money Insurance policy covers loss of cash, cheques, postal orders, and stamps under multiple circumstances: in transit to and from banks or places of disbursement; in the personal custody of authorized employees (within 48 hours of collection); whilst secured in locked safes or strong rooms; and on premises during working hours — against robbery, theft, hold-up, and other fortuitous events occurring in Uganda.
Highlights
- Covers loss of cash, cheques, and stamps in direct transit.
- Protects money secured in safes, strong rooms, and drawers.
- Includes custody cover for employees within 48 hours of collection.
- Reimburses the cost of repairing or replacing safe structures.
- Underwritten by APA Insurance (Uganda) Ltd and regulated by the IRA.
What is Covered and Not Covered Under Money Insurance?
Toggle between the categories below to understand the comprehensive scope of our cover details.
2
Safe & Strong Room Cover
Protects business cash and cheques against theft or robbery while secured in a locked safe or strong room.
3
Premises Business Hours
Covers cash losses on your business premises during standard working hours against robbery and hold-ups.
4
Employee Custody Cover
Covers money in the personal custody of authorized employees within 48 hours of collection.
5
Cheques & Bank Drafts
Protects negotiable cheques, drafts, and money orders against loss, robbery, and theft.
6
Stamps & Postal Orders
Covers physical postage stamps, revenue stamps, and postal orders held in the course of business.
7
Violent Robbery Protection
Covers cash loss occurring as a result of acts of violence, armed threat, or hold-up.
8
Damage to Safe Structure
Covers physical damage to the locked safe, strong room, or premises building structure caused by thieves.
Eligibility & Documentation
Eligibility Criteria
Specifications
Eligible Parties
Businesses, retail shops, offices, government bodies, and organisations in Uganda.
Requirements
Completed money proposal, circumstance limits, carryings, and safe specs.
Premium Base
Provisional deposit calculated on estimated carryings, adjusted on year-end declaration.
Excluded Theft
Insider theft by employees, safe key negligence, and unexplained shortages.
How to Buy Money Insurance?
1
Submit your cash handling details and transit limit options via the quote form.
2
Provide your annual carrying estimates, safe descriptions, and security protocols.
3
Review the provisional deposit premium quote calculated on your risk profile.
4
Confirm proposal details, complete premium payment, and secure your cash transits.
Everything You Need, All in One Place
Access policy documents, claim forms, renewals, and important resources anytime.
Real Stories from Customers Who Trust Our Coverage
Learn why professionals trust our solutions to complete better customer journeys.
“Support became faster, clearer, and more consistent across every customer touchpoint. It changed how we interact with our clients.”
Nia Afolayan
Customer Expert
Chioma Nwosu
Customer Success
“The onboarding was smooth from day one, and our team saw measurable results quickly. It gave us a much faster customer journey.”
Jordan Mensah
Growth Manager
Daniel Okoro
Founder
“It helped us create a better customer journey without adding complexity for the team, keeping all departments aligned.”
Robert Hayes
Regional Partner
Frequently Asked Questions
Loss of cash, cheques, postal orders, and stamps in transit and on your premises, from robbery, theft, hold-up, and other fortuitous events in Uganda.
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
Your Health, Our Priority
+
Motor Insurance
Your Family Awaits, Drive Safely
+
Life Insurance
Enjoy every moment you live
“The easiest way to manage my cover.”
— Sarah K., Nairobi
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
+
Motor Insurance
+
Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
