Ugandans can now buy Motor Third-Party Insurance directly through WhatsApp after Excel Insurance Uganda, in partnership with Service Cops, unveiled a new digital solution called the Excel WhatsApp Bot.
The innovation is designed to simplify access to insurance services and eliminate the inconvenience of long queues, paperwork, and travel.
Through the platform, motorists can purchase Motor Third-Party Insurance, make instant mobile money payments, and receive their digital insurance sticker within just 30 seconds. The service is accessible via Excel’s verified WhatsApp number 0791 174 849.
Excel Insurance Managing Director Paul Muwanga said the system was developed to make insurance more accessible and convenient for motorists wherever they are.
“Excel Insurance, in partnership with Service Cops, has launched a digital WhatsApp BOT that enables people to buy insurance from the comfort of their homes without interacting with anyone,” Muwanga said.
He explained that the platform offers motorists immediate access to Motor Third-Party stickers—even while on the road.
“Imagine being stuck in traffic and finding a checkpoint for motor third-party. If you’re several cars away and unsure whether your sticker is valid, this solution allows you to check and instantly buy one before you reach the police,” he said.
While championing the benefits of digital access, Muwanga noted that Excel Insurance will maintain traditional purchase channels for customers without smartphones.
“We know it will take time for everyone to adapt. Not everyone has a smartphone, so traditional avenues will remain available. But this new solution will greatly ease the lives of many motorists,” he added.
The Insurance Regulatory Authority (IRA) welcomed the development, noting that it aligns with Uganda’s transition to digital motor insurance stickers, which took effect on October 1, 2025.
Steven Kaddu Mukasa, Manager of Inspection at IRA, applauded Excel and Service Cops for advancing innovation in the insurance industry.
“Allow me to congratulate Excel Insurance and Service Cops for launching a platform that improves accessibility, convenience, and efficiency in selling motor third-party insurance,” Mukasa said.
He highlighted that digital stickers enhance security and eliminate fake stickers that were common under the old system.
“With digital stickers, we have strengthened security. This platform provides convenience and accessibility for clients everywhere — in both urban and rural areas,” he said.
Mukasa also emphasized the importance of strong data protection practices as the industry goes digital.
Service Cops Managing Director, Mathias Kamoga, hailed the partnership as a turning point in the digital transformation of Uganda’s insurance sector.
“Excel has been our partner for years, and I thank the IRA for embracing innovation,” Kamoga said.
He added that choosing WhatsApp as the primary service channel was strategic because it is the most widely used communication platform in Uganda.
“Out of 17.6 million smartphone users in Uganda, 9.2 million are on WhatsApp. As a people-first company, Excel chose WhatsApp as the channel of engagement,” he said.
Kamoga noted that the platform uses secure vehicle validation, mobile money protocols, and real-time sticker generation.
“It’s a secure, simple, and convenient solution built to global standards,” he said.
The WhatsApp channel also allows users to contact customer care, make inquiries, and access additional insurance products that Excel plans to introduce on the platform.
The new digital system marks a major shift in Uganda’s insurance industry, offering real-time access, instant verification, and fully digital documentation — making insurance more inclusive, efficient, and accessible nationwide.
