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Insurance Regulatory Authority of Uganda
The Insurance Regulatory Authority of Uganda (IRA) was established under section 14 of the Insurance Statute 1996 now The Insurance Act,(Chap213) Laws of Uganda, 2000(Insurance Act)which came into effect on 4th April 1996 and commenced operations in April 1997

The main object of the Authority is to ensure the effective administration, supervision, regulation and control of the business of Insurance in Uganda.

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Our Key Functions
The Object of the Authority is to ensure the effective administration, supervision, regulation  and control of the business of Insurance in Uganda.The Object of the Authority is to ensure the effective administration, supervision, regulation  and control of the business of Insurance in Uganda.
 
  • establish standards for the conduct of insurance and reinsurance business;
  • license all persons involved in or connected with insurance business, including insurance and reinsurance companies, insurance and reinsurance intermediaries, loss adjusters and assessors, risk inspectors and valuers;
  • approve texts of policies proposal forms;
  • approve minimum rates of insurance premiums and maximum commissions in
    respect of all classes of insurance;
  • safeguard the rights of insurance policyholders and insurance beneficiaries to any insurance contract;
  • provide a bureau to which complaints may be submitted by members of the public;
  • advise the Government on adequate insurance protection and security for national
    assets and national properties;
  • promote a sound and efficient insurance market in the country;
  • supervise and control transactions between insurers and reinsurers;
  • ensure strict compliance with this Act and regulations made under it and any
    other law relating to insurance; and
  • undertake other functions as the Minister may designate.

Our Contacts
Address:
Plot5,Kyadondo Road, Nakasero. Legacy Towers, Block B, 2nd Floor.
Kampala 22855 - Uganda
 
E-mail: ira@ira.go.ug
Telephone: 0312-266364/ 0414-346712 / 041-4253564
Fax: 256 414 349260
http://www.ira.go.ug

See a list of licensed Players;
PROCEDURES FOR SETTLING INSURANCE CLAIMS

Motor Vehicle insurance (Third party Risks) and COMESA yellow card scheme:

Vehicle Owner/Insured:

  • Should report the accident to the nearest police station;
  • Should report the accident to the insurer, fill in an accident report form and provide all necessary documents required by the insurer; and
  • Should co-operate with the insurer during the claim handling process.  
Accident Victim or his Representative:
In the even of an accident, the victim or his representative should ensure that he has the following for presentation to the insurance company:
  • Police accident report:
          It, inter-alia, indicates the particulars of the insurance company and the certificates of insurance.
  • Medical Examination Report
          The form is issued by the police and is known as police form 3.
  • Receipts
          In respect of expenses and relevant items incurred for treatment; and
  • Medical doctor’s report
Accident Victim or his Representative
In the even of an accident, the victim or his representative should ensure that he has the following for presentation to the insurance company:
  • Police accident report:
It, inter-alia, indicates the particulars of the insurance company and the certificates of insurance.
  • Medical Examination Report
The form is issued by the police and is known as police form 3.
  • Receipts
In respect of expenses and relevant items incurred for treatment; and
  • Medical doctor’s report
Assessing the percentage of permanent disability.
If the victim dies in the accident, his representative should have the following in addition to a police report:-
  • A post mortem report
  • Letters of administration, issued by courts of law; and
  • Introductory letters from the local council 1, of the deceased’s area of residence.
Insurer/insurance Company
The law provides that the insure must settle a claim within sixty days of notification, where there is no dispute between him and the insured, and the thirty days after resolution of dispute where there is one.
Points of note
  • The maximum liability is Ushs. 1,000,000/= per person per accident, and aggregate liability per accident, and does not exceed Ushs. 10,000,000/= and
  • If the claimed amount exceeds the above statutory limits, and unless the insured had sufficient extra coverage in place, the claimant would have recourse to courts of law against the insured, for the amount over and above the sail limits.
Other classes of insurance (workers compensation, personal accident, fire, burglary, etc)

In event of a loss, the insureds' are advised to:

  • Report the loss/damage to the relevant authorized e.g. police employers etc, as per terms in the policies;
  • Report to the insurance company or its agent or insurance broker who would then avail a claim form;
  • Fill in the claim/accident report form;
  • Provide all pertinent documents that supported the loss/damaged/incident;
  • Cooperate with the police/insurer/broker throughout the claims process.

The duration it takes to settle a claim, the insured’s promptness in reporting the claim and supplying the relevant documentation required to support the claim.

To Make a Complaint, Click Here or Call Toll Free 0800 124 124
Complaints Bureau
About the Bureau
The Authority set up a Complaints Bureau in 1998 as per Section 15(f) of the Insurance Act to handle complaits against Insurance players. The public is urged to always lodge complaints with the Bureau for prompt settlement to complaints and avoidance of lengthy and costly Court cases
Lodge a complaint
Your Name:
Your Email :
Phone Number :
Insurer / operator :
Your Complaint:

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