Licensed by the Insurance Regulatory Authority of Uganda
48-hour decision target

Claims are where we earn your premium

Report a loss any hour of the day — by phone, WhatsApp or email. Once your documents are in, our target is a decision within two working days, and you can track progress the whole way.

The process

Four steps to settlement

1

Report

Call, WhatsApp or email us as soon as the loss happens — photos from the scene help.

2

Document

We send you a short checklist of what we need. Upload or WhatsApp the documents back.

3

Assess

An assessor is assigned within 24 hours. Documented claims get a decision inside 48 hours.

4

Settle

Payment by bank transfer or mobile money, or direct settlement with garages and hospitals.

What to have ready

Every claim is different, but these are the documents that speed up almost all of them:

  • Your policy number or certificate
  • Photos of the loss or damage, taken as soon as possible
  • A police report (theft, road accidents, burglary)
  • Invoices, valuations or receipts for the items affected
  • For cargo: bill of lading, packing list and survey report
  • For medical: admission notes and itemised hospital bill

Our promise

If a claim is covered, we pay it — without re-litigating the policy at the worst moment of your year. If something isn't covered, we tell you plainly and show you exactly which clause applies. And if you disagree, our complaints process and the IRA's are printed on every policy document.