Britam Uganda has unveiled the Car-Tono Katono Campaign, a new motor insurance initiative designed to make comprehensive motor insurance more accessible by allowing customers to pay premiums in manageable instalments.
While motor insurance is a legal requirement for all motorists in Uganda, many drivers and fleet operators continue to rely mainly on Motor Third Party cover.
One of the major barriers to adopting comprehensive insurance has been the requirement to pay the full annual premium upfront, a cost that can put pressure on household and business cash flows.
The Car-Tono Katono Campaign according to officials will address this challenge by giving customers the flexibility to pay for comprehensive motor insurance monthly, quarterly, semi-annually, or through payment arrangements that align with their financial circumstances. By eliminating the burden of a single large upfront payment, the initiative enables more drivers and fleet operators to access wider motor protection.
Speaking at the launch, Allan Mafabi, Chief Executive Officer of Britam Insurance Uganda, said the campaign was designed to change the way Ugandans access and pay for motor insurance.
“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.
“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. Our goal is to give customers peace of mind by making motor insurance easier to access, easier to pay for, and easier to manage.”
As part of the campaign, Britam has integrated an AI-enabled vehicle inspection module into the motor insurance customer journey, allowing customers to access the service through WhatsApp. The platform enables motorists to remotely inspect their vehicles using their mobile phones, purchase cover, and manage their policies more conveniently.
A process that previously required physical inspections and could take several days can now be completed within minutes, reducing paperwork, improving efficiency, and bringing insurance services closer to customers’ daily lives.
The initiative is supported through strategic partnerships with NxtPe and GTBank. GTBank is the first banking partner to provide Insurance Premium Financing through the platform, enabling customers to spread their insurance payments over time while accessing comprehensive cover, subject to policy terms and financing requirements.
NxtPe supports the digital customer experience by simplifying the payment process and policy management journey, making insurance transactions more seamless and convenient.
Britam emphasised that flexible payment options do not mean reduced protection. Once a comprehensive motor policy is issued and customers meet the agreed payment terms, they receive full comprehensive insurance coverage for the policy period, subject to the terms and conditions of the policy.
The initiative allows customers to fully protect their vehicles while managing payments in a way that better suits their cash flow.
The launch comes at a time when Uganda’s motor vehicle population continues to grow, alongside increasing demand for financial solutions that are flexible, convenient, and tailored to customers’ real needs.
Britam’s approach reflects a wider shift in the financial services sector towards solutions designed around how people live, earn, and plan for their future.
The company will continue exploring partnerships and innovations aimed at making motor insurance more accessible to customers across Uganda.
Through the Car-Tono Katono Campaign, Britam seeks to help more Ugandans move beyond minimum insurance requirements and access the comprehensive vehicle protection they need in a more affordable and practical way.
