The Insurance Regulatory Authority (IRA) has confirmed that motor third-party insurance stickers will now be issued exclusively in digital format, completing the shift from paper-based to digital services that began last year.
“As IRA, we are committed to making insurance services more accessible and convenient for Ugandans. We encourage insurers to move away from paper-based operations and fully embrace digital platforms,” said IRA CEO Al-Hajj Ibrahim Lubega Kaddunabbi on Tuesday.
He made the remarks during a half-day engagement with micro, small, and medium enterprises (MSMEs) under the Uganda Small Scale Industry Association (USSIA) at IRA headquarters in Kampala.
Kaddunabbi noted that while many vehicle owners are used to paper stickers, the digital system has been gradually implemented in collaboration with the Ministry of Works, Police, and other stakeholders.
The move is expected to improve efficiency, reduce fraud, and strengthen compliance within the insurance sector.
The digital stickers have been on a pilot phase since last year and now with the complete shift, motorists will not be having stickers strewn on their windshields.
Digital insurance stickers replace traditional paper labels with an electronic, verifiable system.
When a vehicle owner purchases or renews a motor third-party insurance policy through an insurer’s digital platform, a digital certificate is issued and linked to the vehicle’s registration number.
This certificate often comes in the form of a QR code or an electronic record that traffic authorities can scan or access online to confirm the policy’s validity, coverage, and insurer details.
The system prevents fraud, allows for real-time verification, and eliminates the need for physical stickers.
It also simplifies renewal and enforcement, integrates with vehicle registration databases, and enables insurers and authorities to track and audit policies efficiently, making insurance compliance faster and more convenient for both vehicle owners and regulators.
Motor third-party insurance provides coverage against legal liability for bodily injury, death, or property damage caused to third parties by the insured vehicle.
Under Ugandan law, every vehicle is required to have this insurance policy.
“The digital sticker is part of our efforts to simplify service delivery and encourage Ugandans to access insurance conveniently,” Kaddunabbi added.
