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In Uganda, navigating the bustling streets, whether it’s the vibrant cityscapes of Kampala or the picturesque roads of the up-country regions, owning a vehicle comes with a sense of freedom. It is why private motor insurance becomes not just a legal requirement but a shield against the unforeseeable. 

For many Ugandans contemplating whether to invest in a private motor insurance policy, understanding what private motor insurance entails and covers is paramount. 

We aim to demystify private motor insurance, specifically helping Ugandan drivers and vehicle owners, and provide key insights into making an informed decision.

What Is Private Motor Insurance?

At its core, private motor vehicle insurance, also known as private car insurance or personal motor insurance, is designed to protect individual vehicle owners against financial losses that may occur due to accidents, theft, or damage to their vehicle. 

It extends beyond mere legal compliance and offers a safety net that spans several unforeseen circumstances which could otherwise result in significant financial setbacks.

Understanding the specifics of what motor private insurance encompasses is crucial for Ugandan residents aiming to secure their vehicles adequately. Here’s a closer look at what these policies typically cover.

What Does Private Motor Insurance Cover?

GoldStar’s commitment to offering tailored solutions that cater to the specific needs of Ugandan drivers, make us a premier choice for private motor insurance. 

Let’s take a closer look at the different personal motor insurance policies that GoldStar offers, so that you can select what would suit your circumstances the best:

At GoldStar, we’ve created a Comprehensive Private Motor Insurance plan that leaves no stone unturned when it comes to protection. 

Loss Or Damage

If your vehicle is stolen, or accidentally damaged, rest easy knowing you're covered. 

Injuries Or Third-Party Property Damage

Beyond just your vehicle, our policy also covers any injuries you or others may sustain in an accident or the damage your vehicle might cause to another person's property.

Legal Fees

Not only does our coverage protect against unforeseen events, but it also pays for legal fees should you be involved in one. 

Personal Belongings

Our private car comprehensive coverage extends to your personal belongings too, safeguarding against their loss or damage. 

Natural Events

And let's not forget about those unexpected natural events. Our coverage ensures you're protected against damage from floods, earthquakes, fires, and storms.

Medical Expenses

Additionally, we also help with medical costs for accident-related  injuries to you, any other car occupants, or the authorized driver. 

Replacement Locks

Lost or stolen keys? No worries, replacement of locks, transmitters, and immobilisers is part of our comprehensive plan.

Replacement Glass And Systems

Replacement of glass and cover for your vehicle's entertainment/navigation system is also on us.

With GoldStar’s comprehensive motor private car policy, you’re very well insured. Take a step towards comprehensive protection for your vehicle and more – choose GoldStar.

Are you a car owner in Uganda? If so, the GoldStar Motor Third Party Private Motor insurance policy could be the key to your peace of mind on the road. Imagine knowing that, if an accident happens and you're at fault, your insurance coverage will shoulder the responsibility.

Third-Party Accidental Injury Or Death

GoldStar's motor third party insurance coverage provides the standard protection against any financial losses arising because of accidental bodily injury or accidental death to third parties. 

This means that if you're involved in an accident that causes harm to other individuals, your GoldStar motor 3rd party insurance policy is there as a safety net.

Secure your peace of mind with GoldStar's Motor Third Party Enhanced Private Motor Insurance Policy! 

It's not just about your car, but about the safety and security of everyone on the road. 

Accidents can be sudden and unpredictable, but with our Third Party Enhanced Private Motor insurance policy, you don't have to worry about the financial implications.

Third-Party Death And Bodily Injury

Our coverage includes third party death and bodily injuries. This means, in unfortunate circumstances where you are at fault, our policy guarantees cover for bodily injury or accidental death to third parties. 

We understand that road accidents can have serious consequences and we aim to help you navigate through these difficult times without the added stress of financial liability.

Third-Party Property Damage

We also extend our coverage to Third Party Property damage. This ensures that you are fully covered for any liabilities relating to third party property damage. Accidents can result in substantial damage to properties, and our policy is designed to protect you from these potential costs.

Are you a Ugandan looking for peace of mind on the road? GoldStar Private Motor Third Party, Fire and Theft insurance may be exactly what you need.

This insurance policy has been crafted with your specific needs in mind. 

Fire Damage Or Theft

If your car is damaged by fire or stolen, GoldStar covers the damages to your vehicle. 

Third-Party Injury Or Death

Any costs arising from bodily injuries or accidental death to third parties in the unfortunate event of you being at fault are also covered.

Third-Party Property Damage

Any third-party property damage liabilities are taken care of by us.

GoldStar's Private Motor Insurance Optional Add-Ons

With GoldStar, you can tailor your Private Motor Insurance policy to perfectly suit your needs with optional add-ons at an additional cost.

Here are our optional add-ons for each of our Private Motor Insurance Plans:

COMESA Cover

Plan a cross-border journey without any worry with the COMESA cover, ensuring you are covered across the COMESA regions.

Loss Of Use Cover

Been in an accident? GoldStar has your back with the 'Loss of Use' add-on, helping you cope with any costs associated with the loss of use of your vehicle.

Courtesy Car

The 'Courtesy Car' option provides you with a replacement vehicle, offering both standard and enhanced choices to keep you moving.

Emergency Accommodation

With the 'Emergency Accommodation' option, you can rest easy after any accidents knowing that the costs of emergency accommodation are taken care of.

GoldStar’s Motor Comprehensive insurance policy has been developed with your specific, unique needs in mind. So why wait? Grab a GoldStar insurance policy today and drive the future with confidence!

With our private car third party Insurance policy, you can tailor-make your cover to fit your unique needs.

Third-Party Property Damage Cover

Does it worry you when you think about the financial implications should your vehicle cause damage to someone else's property? Fret no more! GoldStar offers an optional Third-Party Property damage cover. This policy add-on covers liabilities related to third party property damages, giving you peace of mind as you navigate the roads.

COMESA Cover

For those who travel to COMESA regions, GoldStar has your back. With our optional COMESA cover, you can rest assured you are protected when travelling across the border to these areas.

With GoldStar's Motor Third Party Enhanced Insurance Policy, you can personalise your insurance policy with our optional add-ons, designed to provide that extra layer of protection exactly where you need it. 

COMESA Cover

One such add-on is the COMESA Cover, which offers coverage in COMESA regions when you decide to take your travels beyond the Ugandan border. 

Yes, we've got you covered even on your cross-border adventures. And all this, available at an extra cost that is as affordable as it is worthwhile. 

With GoldStar Insurance, create a cover that suits you, because we understand that no two journeys are the same. Opt for GoldStar, where your needs take center stage.

 

Our Third Party, Fire, and Theft policy is specifically designed for your peace of mind. But that's not all! We also offer optional add-ons so you can tailor your coverage to your precise needs.

COMESA Cover

Our remarkable add-on feature is the COMESA cover, which provides protection while you're travelling across the COMESA region borders, all at a manageable additional cost. 

With GoldStar, you're not just buying an insurance policy; you're investing in a safety net for a stress-free, cross-border travel experience.

Choose GoldStar's Private Motor Insurance

Driving in Uganda presents many unpredictable situations. With GoldStar, you have the assurance of knowing that you’re protected against the unexpected. 

Let the GoldStar Private Motor insurance policy keep you, your vehicle, and your finances secure. So, why not take the first step towards securing peace of mind on the road? Choose GoldStar insurance today.

In order to make an informed decision about choosing GoldStar’s Private Motor Insurance, have a look at the Key Considerations to think about and the Exclusions that apply to this insurance policy.

Motor Insurance

Other types of insurance cover

Group Personal Accident Insurance

Group Personal Accident

Group Personal Accident policy that protects the insured’s throughout the day, even during the course of employment.

Motor Cycle insurance

Motor Cycle Insurance

We offer a range of options on Comprehensive Private Motor Cycle insurance so you can customize it to your individual needs.

Home Insurance

Home Insurance

Home Insurance (Domestic Package) from Goldstar is comprehensive cover to protect your residential premises against various risks.

FAQ’s

Insurance has parties to it. The first party, is the owner of the vehicle. The second party, the Insurance Company and the third party is any other person who may be affected by the contract.

The buyer can get the policy transferred in his name by applying to the insurance company in which case an endorsement is made to the policy.

You can cancel your policy and the buyer can buy a new policy. You will get a refund for the unexpired / unused period provided there is no claim on the policy.

Third party policy covers the following risks: Death or injury to a third party

Comprehensive insurance policy covers your vehicle against following risks:

  • Natural calamities
  • Man-made calamities
  • Personal accident
  • Third party legal liability
  • Any permanent injury /death of a person
  • Any damage caused to property

You can still renew your policy after your vehicle inspection is complete. Insurance companies may apply additional loading on premium if policy had expired 45-days earlier.

Yes, you can but your vehicle needs to be inspected before it can be renewed to comprehensive policy.

For Transfer of Insurance from one owner to another you need to submit the below mentioned documents.

  • Old policy document
  • Previous insurance policy
  • New application form

If you are buying a new car and want to transfer your existing policy over, you would need to contact us at our customer services department and amend your current policy. There may be a variation in price and a change in underwriting criteria for the new car.

Sale letter of your old car and Third Party insurance cover for old car will be required.

Goldstar claim process

No matter what your worry is, we’re here to help explain the process, assess your claim fairly and minimize the disruption to you with a transparent claims process.

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How to make a claim

We have a number of options to help you make a claim quickly and effectively. Contact our dedicated claims team for advice on an incident/claim.

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Why choose us ?

Goldstar Insurance was IFM’s Best Insurance Company in Uganda (2015) and has over the years consistently maintained a Global A+ Credit Rating

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