Motor Insurance Commercial

What Is Motor Commercial Insurance?

Motor Commercial Insurance from Goldstar protects your vehicles from unforeseen risks and provides protection against the losses incurred as a result of – theft, financial loss caused by accidents and any subsequent liabilities. With our Motor Commercial Insurance you can cover your fleet of vehicles under one single policy, for one single premium.
We offer a range of covers tailored for your fleet of vehicles – including cars, pick-ups, vans, trucks, buses, ambulances, farm equipment and more.

Comprehensive is the full package that covers your vehicles 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 vehicles cause damage to someone else’s vehicle or property.

What’s covered

  • Loss or damage to your vehicle: Cover if your vehicle 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 vehicle 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, your partner and named drivers 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
  • Replacement glass: Repair or replacement of glass
  • Audio/Navigation Entertainment: Cover for your entertainment system

What’s not covered

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

  • Electrical breakdownIncluding problems with the on-board computers – as well as electrical components
  • TyreAny 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 travelling across the border
  • Loss of Use: Any costs associated with loss of use of your vehicle as a result of an accident
  • Courtesy car: Access to a replacement vehicle, with standard and enhanced options available
  • Emergency Accommodation: Cost of emergency accommodation in the event of an accident

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

What is covered

  • Fire damage or Theft: Damage to your own vehicle 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 vehicle 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
  • Replacement glass: Repair or replacement of glass

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

What is 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 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
  • Replacement glass: Repair or replacement of glass

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

What is 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
  • Replacement glass: Repair or replacement of glass

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
+
Comprehensive

Comprehensive is the full package that covers your vehicles 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 vehicles cause damage to someone else’s vehicle or property.

What’s covered

  • Loss or damage to your vehicle: Cover if your vehicle 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 vehicle 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, your partner and named drivers 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
  • Replacement glass: Repair or replacement of glass
  • Audio/Navigation Entertainment: Cover for your entertainment system

What’s not covered

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

  • Electrical breakdownIncluding problems with the on-board computers – as well as electrical components
  • TyreAny 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 travelling across the border
  • Loss of Use: Any costs associated with loss of use of your vehicle as a result of an accident
  • Courtesy car: Access to a replacement vehicle, with standard and enhanced options available
  • Emergency Accommodation: Cost of emergency accommodation in the event of an accident
+
Third Party, Fire and Theft

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

What is covered

  • Fire damage or Theft: Damage to your own vehicle 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 vehicle 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
  • Replacement glass: Repair or replacement of glass

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

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

What is 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 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
  • Replacement glass: Repair or replacement of glass

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

What is 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
  • Replacement glass: Repair or replacement of glass

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

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.
READ MORE

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

Other types of insurance cover

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

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Motor Cycle Insurance

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

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Marine Cargo and Goods in Transit

Secure your merchandise from loss or damage during transit from one place to another by sea, air, rail or road.

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2016 Global Business Outlook Award

Best insurance company in Uganda

2015 International Finance Magazine Award

Best insurance company in Uganda

A+ Global Credit Rating Co

Your expert local insurance partner

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FAQ's

What is a Third Party?
What happens to my car insurance when I sell my car?
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 car, how do I transfer my existing policy over to the new vehicle?