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Accidental Own Damage
Covers repair or replacement costs for the commercial vehicle following collisions, crash impacts, or rollovers.
Solutions > Motor Commercial
Keep Your Fleet And Your Business Moving Securely
Your vehicles are the backbone of your business. The APA Motor Commercial insurance protects your trucks, vans, pickups, and other commercial vehicles against physical loss or damage (accident, fire, theft) and protects your business agains
Accidental Own Damage & Theft
Covers repair or replacement costs for vehicle damage, fire, and vehicle theft.
Broad Third-Party Payouts
Indemnifies against third-party bodily injury, accidental death, and property damage.
What is Motor Commercial Insurance?
Your vehicles are the backbone of your business. The APA Motor Commercial insurance protects your trucks, vans, pickups, and other commercial vehicles against physical loss or damage (accident, fire, theft) and protects your business against liabilities for third-party injury, death, and property damage.
Highlights
- Covers accidental loss of or damage to the commercial vehicle.
- Sinking, collision, fire, theft, and malicious damage.
- Unlimited third-party bodily injury and death liabilities.
- Wreckage removal, towing, and windscreen covers included.
- Underwritten by APA Insurance (Uganda) Ltd and regulated by the IRA.
What is Covered and Not Covered Under Motor Commercial?
Toggle between the categories below to understand the comprehensive scope of our cover details.
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Third-Party Bodily Injury
Provides unlimited legal liability protection for accidental death or bodily injuries caused to third parties.
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Third-Party Property Damage
Covers costs of repairs for damage caused by your commercial vehicle to third-party properties or structures.
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Vehicle Theft
Provides replacement value payout if the vehicle is stolen or suffers parts pilferage.
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Fire & Explosion
Covers physical damage to the commercial vehicle from internal fire breakouts or external chemical explosions.
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Wreckage Removal & Towing
Reimburses towing fees to transport the vehicle to the nearest authorized garage after an accident.
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Windscreen Breakage
Covers replacement costs for broken or chipped windscreens, usually without affecting No Claim Discounts.
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Accessory Loss
Covers loss of or damage to declared accessories, vehicle spare parts, and standard toolkits.
Eligibility & Documentation
Eligibility Criteria
Specifications
Eligible Parties
Owners and operators of commercial trucks, vans, pickups, and tractors in Uganda.
Requirements
Completed Commercial Vehicle proposal, copy of vehicle logbook, vehicle specifications, and driver details.
Premium Rating
Rated as a percentage of vehicle value based on tonnage, usage, driver profile, and claims history.
Key Exclusions
Employee/family injuries, property under care/custody, and carried cargo/goods.
How to Buy Motor Commercial Cover?
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Complete the Commercial Vehicle proposal form providing vehicle specs, tonnage capacities, and usage details.
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Submit copy of the vehicle logbook to verify registration, engine number, and ownership.
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Review the custom premium quote calculated on your fleet risk profile and driver history.
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Confirm details, make premium payment, and bind your motor commercial cover.
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
It covers the loss of or damage to your commercial vehicles (accident, fire, theft) and your legal liability to third parties for injury, death, and property damage.
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?
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Health Insurance
Your Health, Our Priority
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Motor Insurance
Your Family Awaits, Drive Safely
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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
