African Health Sciences
Makerere University Medical School
Vol. 16, No. 4, 2016, pp. 1169-1173
Bioline Code: hs16150
Full paper language: English
Document type: Research Article
Document available free of charge
African Health Sciences, Vol. 16, No. 4, 2016, pp. 1169-1173
© Copyright 2016 - African Health Sciences
Influence of awareness on the usage of motor third party insurance: a case study of Kampala district.|
Kitunzi, Henry; Helen, Mirembe & Consolate, Guma
Background: Motor third party insurance was established in Uganda in 1989 as a social policy to protect motorists and other
road users (third parties) in the event of an accident. However, reports show that only a few motorists filed claims to their insurers
for compensation despite being involved in road traffic accidents.
Objective: To establish whether motorists’ awareness has an influence on the usage of motor third party insurance.
Methods: This was a cross-sectional using both qualitative and qualitative methods. Data was collected from 384 motorists in
Kampala district using structured and semi-structured questionnaires administered face-to-face. We also collected data from key
informants (insurers, insurance regulators as well as enforcers – traffic police officers); and carried out desk review of motor
third party insurance documents in Uganda.
Results: The results showed that 8 out of 10 motorists in Kampala did not understand motor third party insurance with 95.3%
having no knowledge of their rights as policy holders and 87.8% having no knowledge of their obligations when involved in an
accident. Majority of the motorists involved in accidents never made claims to their insurers for compensation.
Conclusion: The level of awareness among motorists concerning motor third party insurance was low which significantly affected
their ability to file claims to their insurers following an accident. We recommended that motorists and the general public
be educated on third party motor insurance.
Awareness; usage; motor third party insurance; motorists; Kampala