What is Motor Comprehensive Private Insurance?

Motor Comprehensive Insurance protects you against loss or damage to your own vehicle, as well as third party liabilities including injury, death, or property damage.

A third party is any person other than you (the insured). This includes other drivers, passengers, pedestrians, or property owners who may be affected by an accident involving your vehicle.

It covers:

• Accidental damage to your vehicle
• Theft of your vehicle or parts of your car
• Fire damage
• Damage caused by floods, storms, earthquakes, or falling objects
• Vandalism and malicious damage
• Third-party injury or death
• Third-party property damage

It also includes additional benefits such as towing, windscreen replacement, medical expenses for the driver, and roadside assistance.

The standard geographical coverage for motor comprehensive is Uganda. Extensions may be arranged if needed.

You can purchase motor comprehensive insurance through our online portal on the website: https://www.oldmutual.co.ug/app/public/motor-insurance or contact our toll-free numbers: 0800 132 700, 0800 315 315, or visit any of our branches  at Nakawa, Kimathi avenue, Mbarara, Jinja, Gulu, Arua, Hoima to make a purchase

Old Mutual also offers a flexible month-on-month payment option, allowing you to spread the cost into manageable monthly instalments instead of paying the full premium upfront. This makes it easier to maintain comprehensive protection while managing your cash flow.

Our team will guide you on the available payment options and help you choose the one that best suits your needs. You can contact: 0800132700/0800315 315 for further guidance.

Motor Comprehensive Insurance typically lasts for 12 months and can be renewed annually.

Some exclusions include:

• Normal wear and tear
• Mechanical or electrical breakdown
• Driving under the influence of alcohol or drugs
• War or related risks
• Theft by your employee
• Damage to tyres due to punctures or bursts

Full details are provided in the policy document.

Your vehicle is insured based on its market value.

You should:

• Notify Old Mutual immediately through our contacts 0800 132 700/0800 315 315 or email: claimsuic@oldmutual.co.ug.
• Old Mutual will acknowledge receipt and advise on the claim reference number.
• A claim form will then be shared. Old Mutual will request for support documents if needed. 
• Client fills in claim form and submits together with the support documents.
• Old Mutual reviews and revert with an offer in form of a discharge voucher or could ask for additional information to conclude on the claim.
• Client signs and shares the Discharge voucher clearly stating the bank account details for payment. Then the payment will be processed on to the client account.

• Depreciation, wear and tear, mechanical and electrical breakdown
• Damage to tyres unless the vehicle is damaged as well.
• War, terrorism and related perils
• Wear, tear, and depreciation
• Mechanical breakdown
• War, terrorism, political violence and related risks

Yes. You can cancel your policy by giving written notice. A refund may be given depending on the terms and whether a claim has been made.

Payment can be made through:

• Bank transfer and Mobile Money

Cash payments are not accepted.

Motor Comprehensive Insurance gives you peace of mind by protecting you financially against accidents, theft, and third-party claims. It ensures you are not personally burdened by large and unexpected or liability costs.

You can contact Old Mutual through:

• Toll-free: 0800 132 700 | 0800 315 315
• Email: claimsuic@oldmutual.co.ug