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Motor Comprehensive
Insurance

Cover against accidental loss, theft, damage, and third-party liabilities for commercial vehicles.

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At a glance

The terms behind your cover.

Ugandan vehicle owner standing beside an insured sport utility vehicle

Audience

Business and personal.

Basis of valuation

Market value or agreed value (valuation report required).

Geographical cover

Uganda, extendable to East Africa on request.

Vehicle inspection

Cover is subject to vehicle inspection.

Quotation validity

Valid for 30 days.

Main coverage

Protection for your vehicle,
your passengers, and others.

Own Damage

Repair or replacement of the insured vehicle, subject to excess.

Fire & Theft

Loss or damage to the insured vehicle caused by fire or theft.

Statutory Third Party Cover

The statutory third-party protection included with the policy.

Third Party Bodily Injury

UGX 50,000,000 per person and UGX 100,000,000 per accident.

Third Party Property Damage

UGX 100,000,000 per event.

Medical Expenses

Medical expenses for the driver or insured, limited to UGX 5,000,000.

Limits & excess

The numbers that shape
how the policy responds.

Liability and medical limits

Stated policy limits for third-party claims and medical expenses.

Bodily injury — per person
UGX 50,000,000
Bodily injury — per accident
UGX 100,000,000
Third-party property damage
UGX 100,000,000 per event
Medical expenses — driver/insured
UGX 5,000,000

Excess by claim type

The amount borne by the insured before the policy responds.

Own Damage
10% of claim, minimum UGX 500,000
Third Party Damage
Nil
Theft & Total Loss
15% of claim, minimum UGX 500,000
New/Young Driver Penalty
15% of claim, minimum UGX 500,000
Windscreen Claims
20% excess
Key extensions

The policy includes
these extensions.

Motor Trader Use

Windscreen & Glass Replacement

Locks & Keys

Actual costs

Riot, Strike, Civil Commotion & Malicious Damage

Flood, Earthquake, Storm, Hurricane & Tempest

Passenger Liability

Towing & Wreckage Removal

UGX 5M

Personal Accident Cover

UGX 3M

Personal Effects

UGX 3M Excluding cash, cheques & laptops

Car Radio & Accessories Replacement

Unauthorised Passenger Liability

Contingent/Vicarious Liability

Cross Liability

Fire Extinguishing Charges

UGX 3M

Claims Preparation Costs

UGX 3M

Political Violence & Terrorism

Optional
Warranties and clauses

Important terms
that form part
of the policy.

These clauses should be read together with the issued policy wording and schedule.

Average Clause

The Average Clause applies as stated in the source document and final policy wording.

Intoxicated Driver & Drugs Clause

The Intoxicated Driver & Drugs Clause applies as stated in the source document and final policy wording.

Replacement of Parts Clause

The Replacement of Parts Clause applies as stated in the source document and final policy wording.

Pair and Sets Clause

The Pair and Sets Clause applies as stated in the source document and final policy wording.

Main exclusions

What is not
covered.

Driving without a valid road licence

Driving by an unlicensed person

Theft or dishonesty by employees

War and related risks

Tyre damage from punctures, cuts, bursts or braking

Wear & tear, depreciation, mechanical or electrical breakdown

Driving under the influence of drugs or alcohol

Available discounts

Rewarding stronger
vehicle security.

  • Alarm 5% discount
  • Tracker 15% discount
  • Fleet of 10+ vehicles 10% discount
Important notes

Before cover
is confirmed.

  • Quotation valid for 30 days.
  • Cover is subject to vehicle inspection.
  • Final cover follows the issued policy wording, schedule, underwriting terms, and applicable endorsements.
General motor claims guide

When something
happens, start here.

  1. 01

    Make the scene safe

    Protect people and prevent further loss where reasonably possible.

  2. 02

    Notify GoldStar

    Report the incident as soon as possible.

  3. 03

    Provide documents

    Share the requested reports, evidence, and claim information.

  4. 04

    Assessment

    The claim is reviewed against the policy terms.

  5. 05

    Resolution

    Approved repair or settlement follows the agreed claim outcome.

Motor Comprehensive Key Features Statement

PDF · KEY FEATURES STATEMENT

Download PDF
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