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Accidental Damage (Own Damage)
Covers loss of or damage to your vehicle, its standard accessories, and spare parts resulting from collisions, overturns, or accidental impacts.
Solutions > Motor Private
Drive Protected on Uganda's Roads
APA Motor Private Insurance protects private car owners in Uganda against loss of or damage to their vehicles, as well as legal liability to third parties. Whether it is a collision, fire, or theft, this cover provides essential peace of mi
Comprehensive Protection
Protects your vehicle against accidental damage, collision, fire, and theft
Third-Party Liability
Covers bodily injury, death, and property damage caused to third parties
What is APA Motor Private Insurance?
APA Motor Private Insurance protects private car owners in Uganda against loss of or damage to their vehicles, as well as legal liability to third parties. Whether it is a collision, fire, or theft, this cover provides essential peace of mind. It is especially vital if your vehicle is financed or pledged to a lending institution, which typically mandates comprehensive protection to secure the asset.
Highlights
- Financial institution compliant (ideal and required for financed/pledged vehicles).
- Includes towing protection, wreckage removal, and keys replacement cover.
- Windscreen and glass breakage protection with no No Claim Discount penalty.
- Covers malicious damage, riots, strikes, and civil commotion.
- Underwritten locally by APA Insurance (Uganda) Ltd and regulated by the IRA.
What is Covered and Not Covered Under Motor Private?
Toggle between the categories below to understand the comprehensive scope of our cover details.
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Fire, Self-Ignition & Lightning
Covers vehicle damage caused by fire, explosion, lightning, self-ignition, or accidental combustion.
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Theft & Burglary Protection
Covers the loss of your vehicle or damage to it caused by theft, housebreaking, burglary, or malicious intent.
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Third-Party Property Damage
Covers legal liability for damage caused by your vehicle to third-party properties and assets up to the policy limit.
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Third-Party Injury & Death
Covers legal liability upto policy limit for accidental bodily injury or death caused by your vehicle to third parties (excluding family and employees).
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Windscreen & Window Glass
Covers breakage of your car's windscreen, side windows, or sunroof glass with no deductibles or loss of No Claim Discount subject to policy.
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Emergency Towing & Recovery
Covers protection, towing, and wreckage removal costs to transport the disabled vehicle to the nearest authorized garage.
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Riot, Strike & Civil Commotion
Includes protection against malicious damage, strikes, lock-outs, and civil commotions on public roads.
Eligibility & Documentation
Eligibility Criteria
Specifications
Principal & Vehicle
Owners of private motor vehicles registered and operated in Uganda.
Requirements
Completed private proposal form, copy of logbook, and driver details.
Premium Base
Percentage of vehicle sum insured, plus levies and stamp duties.
Deductibles
Standard policy excesses apply per the current motor rate card.
How to Buy Private Motor Cover?
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Submit your vehicle registration, value, and contact details via the quote request form.
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Provide a copy of the vehicle logbook and owner/driver history for underwriting review.
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Receive and review your premium quotation containing the standard excesses.
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Complete premium payment, obtain your cover note, and drive fully protected.
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 protects private vehicle owners in Uganda against loss of or damage to their vehicle (caused by accident, collision, fire, or theft) and against legal liabilities to third parties for bodily 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
