Britam Uganda has introduced a new motor insurance initiative aimed at addressing one of the key challenges limiting motorists from taking up comprehensive vehicle cover — the requirement to pay annual premiums upfront.
The Car-Tono Katono Campaign allows customers to spread comprehensive motor insurance payments through flexible arrangements, including monthly, quarterly, and semi-annual options, depending on their cash flow needs.
Although motor insurance is mandatory for all vehicle owners in Uganda, many motorists continue to rely on Motor Third Party insurance, which provides limited protection compared to comprehensive cover. Industry players have often identified the cost of paying annual premiums in one instalment as a major barrier to wider adoption of comprehensive insurance.
Britam Insurance Uganda Chief Executive Officer Allan Mafabi said the initiative was designed to make vehicle protection more accessible by aligning insurance payments with customers’ financial realities.
“For far too long, many Ugandans have had to dig deep into their pockets to pay for costly garage repairs after accidents. With Car-Tono Katono, we are helping change this reality by making comprehensive motor insurance more accessible before emergencies happen, through flexible payments that fit everyday cash flow,” Mafabi said.
He added that insurance products needed to become easier for customers to plan for and manage.
“Insurance should not feel like a once-a-year financial burden. It should be simple, convenient, and easy to plan for, much like other regular commitments people already manage,” he said.
Beyond flexible payments, Britam has incorporated an artificial intelligence-enabled vehicle inspection system into the insurance process. The system, accessible through WhatsApp, allows customers to conduct vehicle self-inspections using their mobile phones before purchasing cover.
According to the insurer, the digital process reduces the need for physical inspections and shortens the time required to obtain motor insurance services.
The initiative has been developed in partnership with NxtPe and GTBank. GTBank is providing insurance premium financing through the platform, allowing eligible customers to spread payments over time, subject to policy terms and financing conditions.
NxtPe supports the digital customer experience by facilitating a smoother payment and policy management process.
Britam said customers who subscribe to comprehensive cover through the programme will continue to receive full protection once their policies are issued and agreed payment terms are met.
The launch comes as Uganda’s vehicle population continues to increase, creating demand for insurance solutions that offer greater convenience and affordability.
Britam said the campaign is part of efforts to encourage more motorists to move beyond basic third-party insurance and consider broader protection against risks such as accidents, theft, and vehicle damage.
