Did you know that one cannot operate a vehicle on Ugandan roads without 3rd party insurance and that if a third party gets injured as they use the roads, they should be compensated? This may be news to you, or otherwise a complex idea to understand.
Why is 3rd Party insurance compulsory?
This form of insurance is governed by THE MOTOR VEHICLE INSURANCE (THIRD PARTY RISKS) ACT of Uganda. Under Section 2 of the act, payment of such insurance is compulsory for every vehicle except those owned by the Government.
In case of a vehicle with a valid 3rd party insurance getting involved in an accident, it is not the duty of the vehicle owner to pay up the victim(s) of the accident unless the accident was caused by the owner or driver’s negligence. The vehicle owner should instead inform the insurance company which will have to investigate and pay compensation to the injured or dead person.
3rd Party ku Ssimu
Jubilee Insurance recently partnered with Afrisafe Risk Consultants Uganda Ltd – an Insurance and Risk consulting firm offering insurance consulting services – to minimize the hurdles involved in processing Motor 3rd Party insurance services via mobile phones. This was through the launch of Motor Sure, a payment mode through which motorists get to pay for 3rd party insurance using their mobile phones, hence the name 3rd party ku ssimu (meaning third party on mobile).
Buying motor 3rd party insurance on your phone
3rd Party ku Ssimu is a service for vehicle, bike, and boda-boda motorists to purchase their 3rd party motor insurance off the phone by simply dialing through a USSD code *210*22# with their mobile phone.
This service lessens the burden on motorists buying 3rd Party, the 3rd party is delivered within an hour, and it reminds motorists when their insurance expires.