All the motor insurance you need for peace-of-mind.

With motor Comprehensive insurance, you can simply head off for a road trip without any worry. Be prepared for whatever you meet along your journey.

  • Motor Insurance

    24 days car hire cost reimbursed during repairs, and AA road rescue cover.

  • Motor Insurance

    Cost of alternative accommodation following an accident away from home.

  • Motor Insurance

    Protection and removal for the damaged car.

  • Motor Insurance

    Forced ATM withdrawal following hold-up or hijack.

Scope of cover

Any loss or damage by accidental means, theft, fire, malicious damage to the vehicle and third-party liabilities (death, injuries and property damage).


  • Authorised repair limit – UGX 2,000,000
  • Medical limit – UGX 2,000,000 for driver
  • Towing charges – UGX 2,000,000
  • Windscreen limit – replacement basis up to UGX 2,000,000
  • Vehicle entertainment system – UGX 2,000,000
  • Free valuation
  • Third party medical expenses – UGX 500,000
  • Forced ATM withdrawal after hijack – UGX 2,000,000
  • Reimbursement of cost of alternative accommodation following an accident outside 30 Kms radius from residence – UGX 200,000
  • 24 hour road rescue by Automobile Association of Uganda
  • Political violence and terrorism – included for 10% basis charge
  • Loss of use – 27 days with a time excess of 3 days
  • Loss of personal effects – UGX 1,500,000 excluding mobile phone and cash
  • Claims preparation costs – UGX 1,000,000
  • Wrong fuel cover (engine wash only – UGX 2,000,000)
  • Free cleaning and fumigation of vehicle after repair

Third Party Persons

  • Third party persons – UGX 100,000,000
  • Third party property damage – UGX 100,000,000
  • Passenger liability - UGX 100,000,000 per event in aggregate
  • Geographical limit – East Africa (excluding third party liabilities outside Uganda)

Special Conditions/Clauses

  • Riot, strike and civil commotion
  • Use by a motor trader
  • 30 days cancellation notice
  • Unobtained parts clause
  • Agreed value subject to valuation at inception and renewal
  • Personal accident for up to UGX 2,000,000 for authorized drivers and the insured
  • Legal liability of passengers for acts of negligence extended to include family members as third parties – UGX 50,000,000
  • Motor contingent liability
  • Motor theft cover


  • Own damage – 10% of sum insured; minimum of UGX 100,000
  • 15% for theft and total loss minimum of UGX 100,000
  • Young/inexperienced driver – 20% additional charge (under 21 yrs/under 1 yr experience)


  • Discount
  • Car alarms – 5% discount on the basic premium (with tracking device or fleet management system).


Products are underwritten by Sanlam General Insurance.

Terms and conditions

Terms and conditions apply. Full terms, conditions and exclusions of cover are contained in the policy document. Some of our Sales staff earn commission for the business acquisition.

Standard Chartered Bank Uganda Limited is regulated by Bank of Uganda. Customer deposits are protected by Deposit Protection Fund of Uganda. Bancassurance business is regulated by the Insurance Regulatory Authority of Uganda.


Standard Chartered Bank only distributes insurance products and does not underwrite nor issue insurance policies. Insurance products are underwritten by third party insurance providers. Standard Chartered Bank shall not be responsible for insurance provider’s actions or decisions, nor shall Standard Chartered Bank be liable regarding payment of claims or services under the policy/insurance contract or in any manner whatsoever regarding your application or the contract of insurance.

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Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.