Commercial and passenger vehicle insurance checklist
Short answerChecked 23 September 2026
Print it or keep it on your phone, and go through it with the insurer or broker before you pay. Each point links to the rules for your country below.
- The policy is for the real use of the vehicle: PSV, taxi, ride-hailing or goods.
- Every passenger seat is covered, and you know the limit per seat.
- Third-party property damage is included.
- Own damage, theft and loss of use are covered if you need the income.
- Drivers and conductors are covered by work-injury insurance.
- Goods in transit are covered for a goods vehicle.
- You know the insurer's claims payment policy and deadline.
- The certificates verify online for every vehicle in the fleet.
The rules in your country
- Matatu, PSV and ride-hailing insurance in KenyaKenya
- WIBA insurance in Kenya: what every employer must haveKenya
- Taxi, bus and commercial vehicle insurance in UgandaUganda
- Business insurance in Uganda: workers' compensation and propertyUganda
- Daladala, taxi and ride-hailing insurance in TanzaniaTanzania
- WCF Tanzania contributions and compulsory business insuranceTanzania
- Employment injury and business insurance in EthiopiaEthiopia