KAMPALA, Uganda — Mirai Insurance has launched an extensive educational campaign to assist motorists as the Insurance Regulatory Authority of Uganda completes its transition from physical to digital Motor Third-Party insurance stickers.
The regulatory shift replaces traditional paper stickers with electronic records stored in a national database. While the move aims to modernize enforcement and eliminate fraud, it has left many drivers seeking clarity on how to maintain compliance without a physical label on their windscreens.
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Digital transition and enforcement
Under the new system, enforcement officers verify insurance coverage in real time by accessing the central IRA database. This removes the reliance on physical certificates that were often prone to loss or forgery.
Mirai Insurance officials said the digital framework ensures that once a motorist is insured, the record is immediately visible to authorities. This provides a more reliable proof of cover and streamlines the verification process during roadside checks.
Addressing security and fraud
One of the primary drivers behind the digitization is the elimination of counterfeit stickers. Because policies are issued directly into the IRA system, they cannot be altered or duplicated by third parties.
Joseph Nsubuga, chief executive officer of Mirai Insurance Uganda, said the company is focused on simplifying this change for all motorists, regardless of their technical proficiency.
“We’re not simply selling policies, we’re simplifying change for motorists, making sure every driver, whether tech-savvy or not, can access secure, recognised cover quickly and confidently,” Nsubuga said.
Support for motorists
To support the transition, Mirai has deployed a network of more than 200 trained agents across the country. These agents provide hands-on assistance for drivers who prefer person-to-person interaction over digital-only platforms.
The company’s campaign highlights several benefits of the digital shift, including:
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Instant policy issuance and faster renewals.
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Reduced risk of lost or damaged paperwork.
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Enhanced protection against insurance fraud.
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Environmental benefits from reducing single-use materials.
Market accessibility
As competition increases among insurance providers in the digital space, Mirai has invested in user-friendly mobile interfaces to facilitate remote renewals. The company is also working to dispel misinformation regarding penalties for the absence of physical stickers.
Industry experts noted that the transition aligns Uganda’s insurance sector with broader regional efforts to digitize public services. Mirai is urging motorists to update their records promptly to avoid coverage gaps and ensure they are recognized within the new regulatory framework.
