Motor cycle insurance

What Is Motor Cycle Insurance?

Motor Cycle insurance protects your Motor Cycle from unforeseen risks and provides protection against the losses incurred as a result of – theft, financial loss caused by accidents and any subsequent liabilities. The premium of the insurance is dependent on the value of the Motor Cycle, type of coverage (Comprehensive or Third Party), Motor Cycle classification and the voluntary excess. Motor Cycle insurance gives confidence to drive peacefully.

Comprehensive is just that! It’s the full package that covers your Motor Cycle against damage caused by a number of insured events, such as theft, accidental damage and natural events (flood, earthquake, fire & storm) as well as protecting you from having to foot the bill should your Motor Cycle cause damage to someone else’s property.

What’s covered

  • Loss or damage to your vehicle: Cover if your Motor Cycle is lost, stolen or damaged
  • Your liability: Cover if you injure someone or damage their vehicle or property in an accident
  • Vehicle recovery: We’ll help recover your Motor Cycle and take it somewhere safe in the event of an accident.
  • Legal costs: Cover for legal costs if you’re involved in an accident
  • Motor injury protection: Cover for you and passengers for death or serious injury after a motor accident
  • Medical Expenses: Any medical expenses if you’ve been injured in an accident
  • Personal belongings: Loss or damage to any of your personal belongings
  • Replacement locks: Locks, transmitters and immobilisers if your keys are lost or stolen

What’s not covered

Unfortunately, at Goldstar Insurance Co. Ltd, we can’t cover everything – make sure you’re happy with what’s not covered, including:

  • Electrical breakdown: Including problems with the on-board computers – as well as electrical components
  • Tyres: Any punctures, cuts or bursts – including those caused by braking
  • Resale value: We can’t cover you for any loss in value of your car after repair

What’s optional

Choose optional add-ons at an additional cost to create cover that suits you.

  • COMESA cover: Cover for COMESA regions when traveling across the border
  • Loss of Use: Any costs associated with loss of use of your vehicle as a result of an accident
  • Courtesy Motor Cycle: Access to a replacement vehicle, with standard and enhanced options available
  • Emergency Accommodation: Cost of emergency accommodation in the event of an accident

Motor Cycle Third Party insurance covers your Motor Cycle against third party liabilities such as death and bodily injuries to third party.

What’s covered

  • Third Party death and bodily injuries: Cover for bodily injury or accidental death to third parties if you are at fault

What’s not covered

At Goldstar Insurance Co. Ltd, we have different covers to suit your individual needs– make sure you’re happy with what’s not covered, including:

  • Own Damage, Fire or Theft: Damage to your own Motor Cycle including Fire or theft of vehicle, is not covered under Third Party insurance
  • Medical Expenses: Any medical expenses if you’ve been injured in an accident
  • Personal belongings: Loss or damage to any of your personal belongings
  • Replacement locks: Locks, transmitters and immobilisers if your keys are lost or stolen

What’s optional

Choose optional add-ons at an additional cost to create cover that suits you.

  • Third Party Property damage: Cover for liabilities relating to third party property damages
  • COMESA cover: Cover for COMESA regions when travelling across the border

Motor Cycle Third Party Enhanced insurance covers your Motor Cycle against third party liabilities such as death, bodily injuries to third party and losses or damages of third party property caused by accidents.

What’s covered

  • Third Party death and bodily injuries: Cover for bodily injury or accidental death to third parties if you are at fault
  • Third Party Property damage: Cover for liabilities relating to third party property damages

What’s not covered

At Goldstar Insurance Co. Ltd, we have different covers to suit your individual needs– make sure you’re happy with what’s not covered, including:

  • Own Damage, Fire or Theft: Damage to your own vehicle including Fire or theft of vehicle, is not covered under Third Party insurance
  • Medical Expenses: Any medical expenses if you’ve been injured in an accident
  • Personal belongings: Loss or damage to any of your personal belongings
  • Replacement locks: Locks, transmitters and immobilisers if your keys are lost or stolen

What’s optional

Choose optional add-ons at an additional cost to create cover that suits you.

  • COMESA cover: Cover for COMESA regions when travelling across the border

Motor Cycle Third Party Fire and Theft insurance covers your Motor Cycle against liabilities to other parties for death or bodily injuries, damages to other parties’ properties, fire damages to Motor Cycle and theft of your Motor Cycle.

What’s covered

  • Fire damage or Theft: Damage to your own Motor Cycle as a result of Fire or theft of vehicle
  • Third Party death and bodily injuries: Cover for bodily injury or accidental death to third parties if you are at fault
  • Third Party Property damage: Cover for liabilities relating to third party property damages

What’s not covered

At Goldstar Insurance Co. Ltd, we have different covers to suit your individual needs– make sure you’re happy with what’s not covered, including:

  • Own Damage: Damage to your own Motor Cycle as a result of an accident is not covered
  • Medical Expenses: Any medical expenses if you’ve been injured in an accident
  • Personal belongings: Loss or damage to any of your personal belongings
  • Replacement locks: Locks, transmitters and immobilisers if your keys are lost or stolen

What’s optional

Choose optional add-ons at an additional cost to create cover that suits you.

  • COMESA cover: Cover for COMESA regions when traveling across the border
+
Motor Cycle Comprehensive

Comprehensive is just that! It’s the full package that covers your Motor Cycle against damage caused by a number of insured events, such as theft, accidental damage and natural events (flood, earthquake, fire & storm) as well as protecting you from having to foot the bill should your Motor Cycle cause damage to someone else’s property.

What’s covered

  • Loss or damage to your vehicle: Cover if your Motor Cycle is lost, stolen or damaged
  • Your liability: Cover if you injure someone or damage their vehicle or property in an accident
  • Vehicle recovery: We’ll help recover your Motor Cycle and take it somewhere safe in the event of an accident.
  • Legal costs: Cover for legal costs if you’re involved in an accident
  • Motor injury protection: Cover for you and passengers for death or serious injury after a motor accident
  • Medical Expenses: Any medical expenses if you’ve been injured in an accident
  • Personal belongings: Loss or damage to any of your personal belongings
  • Replacement locks: Locks, transmitters and immobilisers if your keys are lost or stolen

What’s not covered

Unfortunately, at Goldstar Insurance Co. Ltd, we can’t cover everything – make sure you’re happy with what’s not covered, including:

  • Electrical breakdown: Including problems with the on-board computers – as well as electrical components
  • Tyres: Any punctures, cuts or bursts – including those caused by braking
  • Resale value: We can’t cover you for any loss in value of your car after repair

What’s optional

Choose optional add-ons at an additional cost to create cover that suits you.

  • COMESA cover: Cover for COMESA regions when traveling across the border
  • Loss of Use: Any costs associated with loss of use of your vehicle as a result of an accident
  • Courtesy Motor Cycle: Access to a replacement vehicle, with standard and enhanced options available
  • Emergency Accommodation: Cost of emergency accommodation in the event of an accident
+
Motor Cycle Third Party

Motor Cycle Third Party insurance covers your Motor Cycle against third party liabilities such as death and bodily injuries to third party.

What’s covered

  • Third Party death and bodily injuries: Cover for bodily injury or accidental death to third parties if you are at fault

What’s not covered

At Goldstar Insurance Co. Ltd, we have different covers to suit your individual needs– make sure you’re happy with what’s not covered, including:

  • Own Damage, Fire or Theft: Damage to your own Motor Cycle including Fire or theft of vehicle, is not covered under Third Party insurance
  • Medical Expenses: Any medical expenses if you’ve been injured in an accident
  • Personal belongings: Loss or damage to any of your personal belongings
  • Replacement locks: Locks, transmitters and immobilisers if your keys are lost or stolen

What’s optional

Choose optional add-ons at an additional cost to create cover that suits you.

  • Third Party Property damage: Cover for liabilities relating to third party property damages
  • COMESA cover: Cover for COMESA regions when travelling across the border
+
Third Party Enhanced

Motor Cycle Third Party Enhanced insurance covers your Motor Cycle against third party liabilities such as death, bodily injuries to third party and losses or damages of third party property caused by accidents.

What’s covered

  • Third Party death and bodily injuries: Cover for bodily injury or accidental death to third parties if you are at fault
  • Third Party Property damage: Cover for liabilities relating to third party property damages

What’s not covered

At Goldstar Insurance Co. Ltd, we have different covers to suit your individual needs– make sure you’re happy with what’s not covered, including:

  • Own Damage, Fire or Theft: Damage to your own vehicle including Fire or theft of vehicle, is not covered under Third Party insurance
  • Medical Expenses: Any medical expenses if you’ve been injured in an accident
  • Personal belongings: Loss or damage to any of your personal belongings
  • Replacement locks: Locks, transmitters and immobilisers if your keys are lost or stolen

What’s optional

Choose optional add-ons at an additional cost to create cover that suits you.

  • COMESA cover: Cover for COMESA regions when travelling across the border
+
Third Party, Fire and Theft

Motor Cycle Third Party Fire and Theft insurance covers your Motor Cycle against liabilities to other parties for death or bodily injuries, damages to other parties’ properties, fire damages to Motor Cycle and theft of your Motor Cycle.

What’s covered

  • Fire damage or Theft: Damage to your own Motor Cycle as a result of Fire or theft of vehicle
  • Third Party death and bodily injuries: Cover for bodily injury or accidental death to third parties if you are at fault
  • Third Party Property damage: Cover for liabilities relating to third party property damages

What’s not covered

At Goldstar Insurance Co. Ltd, we have different covers to suit your individual needs– make sure you’re happy with what’s not covered, including:

  • Own Damage: Damage to your own Motor Cycle as a result of an accident is not covered
  • Medical Expenses: Any medical expenses if you’ve been injured in an accident
  • Personal belongings: Loss or damage to any of your personal belongings
  • Replacement locks: Locks, transmitters and immobilisers if your keys are lost or stolen

What’s optional

Choose optional add-ons at an additional cost to create cover that suits you.

  • COMESA cover: Cover for COMESA regions when traveling across the border

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.
Claim process

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.
Read more

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
Read more

INSURANCE POLICY

FAQ's

What is a Third Party?
What happens to my Motor Cycle insurance when I sell my Motor Cycle?
What are the risks covered by Third Party policy?
What are the risks covered by the Comprehensive policy?
What if my current policy is already expired?
Can I Renew my policy from current Third Party to Comprehensive?
What is the procedure for Transfer of Insurance?
If I am buying a new Motor Cycle, how do I transfer my existing policy over to the new vehicle?
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