MOTOR INSURANCE · THIRD PARTY
Your vehicle. Your use. Your cover.
A private car, a working vehicle or a growing fleet — start with the option that matches how you use it.
START WITH YOUR VEHICLE
Find the right category.
Choose a vehicle type to see each product separately. Unsure of its use or passenger category? Our team can help.
Private cars
For a car used privately. Choose this when the vehicle is not used as a taxi or for carrying goods commercially.
Explore private cars 3 optionsGoods vehicles
Choose whether you carry your own goods or goods for hire, and whether passengers are included.
Explore goods vehicles 2 optionsBuses
Separate options for private and commercial use. Tell us the registered passenger capacity.
Explore buses 2 optionsMotorcycles
Choose private or commercial use to match how you use your motorcycle.
Explore motorcycles 4 optionsThree-wheelers
Choose private or commercial use, then the passenger category shown on your vehicle documents.
Explore three-wheelers 2 optionsTaxis
Select the taxi category that matches the vehicle’s registered passenger capacity.
Explore taxis 3 optionsMotor trade road risk
A driver-based request for motor traders. Tell us how many drivers need to be considered; our team confirms the terms.
Explore motor trade road riskBEFORE YOU APPLY
A few details.
A clear next step.
Have these ready
Your vehicle registration and make, how you use it, and your contact details. For passenger vehicles, check the registered capacity. Motor traders should have their business name and driver count.
What happens next
You receive an application reference. Our team reviews your information and confirms the premium, documents and cover dates. Pay your premium conveniently using Orange Money or Afrimoney, without visiting our office. Use the official payment instructions provided by our team.
Before you choose
Can I pay by mobile money?
Pay your premium conveniently using Orange Money or Afrimoney, without visiting our office. Our team will confirm your premium and provide Prime Cover’s official payment details. Include your application or policy reference when paying and retain your transaction receipt. We issue your policy documents after confirming receipt of payment. Cover begins on the effective date stated in your issued policy.
Get official payment instructions →Does submitting the form start my cover?
No. This registers your application for review. Only rely on the cover and dates confirmed in your issued policy.
How do I choose private or commercial use?
Select the category that matches how the vehicle is used. The goods options distinguish own goods from goods carried for hire. If your use changes or does not match a listed option, ask our team to confirm the classification.
What benefits and limits apply?
These pages identify the third-party tariff category. Ask our team for the applicable policy wording, limits, excesses and exclusions before accepting cover. Do not assume damage to your own vehicle is included.
My vehicle does not match these categories.
Contact our team before selecting a different category. We can review your vehicle, its use and the appropriate quotation.
Ask our team →Third Party, Fire & Theft · Comprehensive — submit an application for staff review.