SanlamAllianz Unveils Uganda’s First Local Traveller Accident Insurance Cover

SanlamAllianz General Insurance Uganda has unveiled a new and innovative product, the SanlamAllianz On-the-Go Accident Cover, during a launch event held at the company’s head office on Prince Charles Drive in Kololo.

The new policy marks Uganda’s first-ever local traveller personal accident insurance, designed to provide compensation to insured travellers moving within Uganda for expenses arising from accidental medical treatment or to make payments to named beneficiaries in the event of accidental death during an insured trip.

Priced at less than one dollar, with premiums starting as low as UGX 1,300, the cover aims to make personal accident insurance accessible to every Ugandan. It targets travellers using all forms of road transport—public or private—including boda-bodas, Uber rides, buses, mini-buses, taxis, private vehicles, and motorcycles up to 750cc.

Speaking at the launch, Ruth Namuli, CEO of SanlamAllianz General Insurance Uganda, said the new product responds directly to the realities faced by Ugandan road users.

“Every day, millions of Ugandans travel by road. But despite this large number, only a small percentage of road users have accident insurance. One accident can wipe out a family’s savings in a single day. With this cover, we are giving Ugandans financial dignity in the face of risk,” said Namuli.

She emphasised that SanlamAllianz’s innovation is guided by a deep understanding of local lifestyles and needs. “We are investing in products that mirror how people actually live and move. Travel is frequent, risk is constant, and protection should be instant. That’s what On-the-Go delivers,” she added.

Representing the CEO of the Insurance Regulatory Authority (IRA), Steven Kaddu Mukasa commended SanlamAllianz for developing a timely and people-centred insurance product.

“As a regulator, we strongly encourage innovations that respond to real social and economic challenges, and we believe that ‘On-the-Go’ accident cover is going to add value to people’s lives,” Kaddu said. “This product has been approved by IRA after undergoing all due diligence to ensure that it offers real value and complies with all regulatory standards.”

The On-the-Go Accident Cover provides benefits of up to UGX 3.15 million, including UGX 1 million for accidental death, UGX 1 million for permanent disability, UGX 650,000 for medical treatment, and UGX 500,000 for funeral expenses.

Dr Donato Laboke, Head of Marketing and Channel Development at SanlamAllianz, noted that accessibility and simplicity are at the heart of the product’s design. “Our mandate is to deliver insurance solutions that are accessible and practical, and you can start with a minimum of just UGX 1,300,” he explained. “Customers can access up to UGX 3.15 million in benefits—protection that makes a real difference for everyday travellers.”

The launch forms part of SanlamAllianz’s broader digital transformation strategy, aimed at expanding access to insurance services through the SanlamAllianz Insurance App. The app enables customers to purchase insurance products and manage services digitally, anytime and anywhere.

With the On-the-Go Accident Cover, SanlamAllianz seeks to give Ugandans peace of mind while travelling—whether alone, with family, or with friends—offering reliable protection and confidence against unforeseen incidents on the road.