Photo: Lebu Ayiga, Wikimedia Commons, CC BY-SA 4.0Insurance in East Africa, explained before you buy.
What the law makes compulsory, what a policy really pays for, which companies are licensed, and where to complain. Every rule links to the Act or the regulator it comes from. Then ask licensed providers for quotes, free.
4countries
144licensed insurers listed
50sourced guides
Choose your country
KEKenya
Cap. 405 motor cover, SHA contributions, the 2026 list of licensed insurers and how to complain to IRA.
UGUganda
Motor third-party limits, the delayed national health scheme, the licensed insurers and the IRA Complaints Bureau.
TZTanzania
Compulsory motor cover under Cap. 169, the new universal health insurance, and the Insurance Ombudsman.
ETEthiopia
Proclamation 799/2013, the 18 NBE-licensed insurers, community-based health insurance and complaints to the NBE.
What people ask us
- KenyaHow do I check a motor insurance certificate in Kenya?Dial *352#, use the DMVIC app or verify.dmvic.com — what the check shows and how to spot a fake.
- KenyaHow much is SHA per month?2.75% of income, minimum KES 300 a month, no ceiling — calculate it, plus due dates and the 2% penalty.
- UgandaHow much does third-party insurance pay in Uganda?The 1989 Act, its UGX 1 million / 10 million limits, the penalty, digital stickers and the COMESA yellow card.
- TanzaniaIs car insurance compulsory in Tanzania?Cap. 169 in plain words: what third-party cover pays for, the penalty, and how to check a sticker on TIRAMIS.
- TanzaniaMy claim was rejected in Tanzania — who can help?The Insurance Ombudsman handles disputes up to TZS 40 million and decides within 60 days.
- EthiopiaWhat does third-party vehicle insurance cover in Ethiopia?Proclamation 799/2013: what third-party cover must include, the sticker, emergency treatment and the penalty.
- KenyaWhich insurance companies are licensed in Kenya in 2026?The 2026 IRA list: 22 life, 35 general and 5 micro-insurers — and how to check any company yourself.
- UgandaDoes Uganda have national health insurance?No national scheme in law yet: how private medical cover and HMOs work, and what to compare.
How Tulinde works
- Read the rules firstEach guide starts with the short answer, then the law, the limits and the traps — with the source of every fact.
- Ask for quotes in one minuteYour name, a mobile number and what you want to insure. Your request goes only to providers licensed in your country.
- Compare and decideProviders contact you with offers. You compare them against our checklists. Tulinde is paid by providers, never by you. How we make money.
Content checked against official sources on 23 September 2026.