+256 (0) 200 250 110WhatsAppgoldstar@goldstarinsurance.com

Search GoldStar

What can we help you find?

Business

Motorcycle & Motor
Tricycle Insurance

Comprehensive protection against accidental loss of or damage to your motorcycle or motor tricycle, including its accessories and spare parts, plus third-party liabilities.

Get Covered
At a glance

The terms behind your cover.

Ugandan rider standing beside an insured motorcycle and motor tricycle

Audience

Business and personal.

Basis of valuation

Market value or agreed value (valuation report required).

Geographical cover

Uganda.

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 motorcycle or tricycle up to the value insured, 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 10,000,000 per person and UGX 50,000,000 aggregate per accident.

Third Party Property Damage

UGX 50,000,000 per event.

Medical Expenses

Medical expenses cover for the driver or insured.

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 10,000,000
Bodily injury — aggregate per accident
UGX 50,000,000
Third-party property damage
UGX 50,000,000 per event
Medical expenses — driver/insured
Included

Excess by claim type

The amount borne by the insured before the policy responds.

Own Damage
10% of claim, minimum UGX 100,000
Third Party Damage
Nil
Theft & Total Loss
15% of claim, minimum UGX 100,000
New/Young Driver Penalty
5% of claim, minimum UGX 100,000
Key extensions

The policy includes
these extensions.

Motor Trader Use

Locks & Keys

Riot, Strike, Civil Commotion & Malicious Damage

Flood, Earthquake, Storm, Hurricane & Tempest

Protection, Towing & Wreckage Removal

Cancellation

After 30 days notice

Personal Accident

Rider only

Authority to Repair

Actual, subject to proof

Contingent/Vicarious Liability

Cross Liability

Fire Extinguishing Charges

Claims Preparation Costs

Political Violence & Terrorism

Provisional Cover

One month upon expiry
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.

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.

  • Anti-theft tracker fitted 15% discount
  • 10+ units of the same category 10% discount
Important notes

Before cover
is confirmed.

  • Quotation valid for 30 days.
  • Cover is subject to vehicle inspection.
  • Limits are subject to underwriting judgement; final cover follows the issued policy wording and schedule.
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.

Family protected by GoldStar

Ready to protect
what matters?

Get CoveredMake a Claim