Old Mutual has reported a significant increase in the uptake of digital Motor Third-Party insurance following the full digitisation of the system in Uganda, signalling growing public adoption of the new government-backed platform.
The revelation was made by Caroline Tayebwa, Head of Marketing and Distribution at Old Mutual General Insurance during Media Engagement at Four Points by Sheraton.
Last year, the Insurance Regulatory Authority of Uganda (IRA), in partnership with insurers and the Uganda Revenue Authority (URA), fully digitised Motor Third-Party insurance in a move aimed at improving efficiency and reducing fraud in the insurance sector.
According to Tayebwa, the transition from manual to digital insurance stickers began in July last year, with insurers given a three-month timeline to utilise existing manual stickers before fully adopting the digital system.
“Third-party insurance is currently mandatory and 100 percent digital. We started in mid-last year, in July, and we were given a timeline to utilize the stickers that we had with the manual system for three months. The system now operates entirely digitally, eliminating the need for physical stickers,” she said.
“It’s digital. It comes automatically. We no longer have anything physical, and awareness continues. The uptake is about 58 percent because no one else is using the manual system anymore,” Tayebwa noted.
She added that the sector is currently completing the transition phase as motorists exhaust previously issued stickers that had not yet expired.
“Effective January, we are just running out the phase where people still have stickers that are not yet expired. But I believe by July, we shall be 100 percent,” she said.
However, Tayebwa noted that while individual vehicle stickers were utilised quickly, some categories such as tractors and trailers experienced slower uptake.
“Unfortunately, the individual stickers were utilized faster, but the commercial stickers for tractors, trailers and others were not utilized, and hence they were given an extension up to December 2025,” she explained.
She added that all digital insurance stickers are now managed centrally by the Uganda Insurers Association, with insurance companies required to apply through the system for any stickers they issue.
Motorists must generate a Payment Registration Number (PRN) through the government system and make payments digitally.
“You generate a PRN through the government system and pay through that system, not any other way, and your mobile money is automatically deducted,” she said.
Tayebwa said insurers are currently focusing on sensitising customers to help them understand how to purchase the digital stickers.
“What we have done is help individuals purchase digital stickers themselves. We are doing sensitisation. Every website including that of the regulator, the Insurance Association, and all insurance companies is required to guide customers through this process,” she said.
She added that motorists can now generate the required code directly from their insurance company using a mobile phone.
“You generate a code from the insurance company that supports you, and you are able to do it directly from your phone. You can pay using mobile money, and you automatically receive a PRN code that allows you to get the sticker,” she explained.
