Photo: Zenith4237, Wikimedia Commons, CC BY-SA 4.0The National Bank of Rwanda and the insurance law (Law n° 030/2021)
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Get the free PDFWhat Law n° 030/2021 covers
| Topic | Articles |
|---|---|
| Two categories: short-term and long-term insurance; special insurance: mutual, micro and captive | 4 |
| Licence from the Supervisory Authority to carry out insurance business (not required of a public insurer) | 6 |
| Register of licensed insurers published by the Supervisory Authority | 12 |
| Fair treatment of consumers; pre-sale duties | 13–14 |
| Capital, solvency, governance, supervision | 20–69 |
| Insurance intermediaries | 70–86 |
| The insurance contract, claims settlement, limitation period | 87–161 |
| Policyholders' Compensation Fund | 177 |
| Offences: unlicensed insurance business (3–5 years, 7–10 million Frw) | 183 |
Text: Law n° 030/2021, Official Gazette n° 29 of 02/08/2021.
What the BNR does for consumers
The BNR issues consumer protection regulations on complaint handling, supervises how insurance is marketed and sold and how claims are processed and settled, runs complaint channels and financial education (BNR FAQ). It publishes the list of licensed insurers, the list of licensed brokers and the list of authorised reinsurers.
Contacts: KN 6 AV.4, P.O. Box 531 Kigali; +250 788 199 000; info@bnr.rw; bnr.rw. Complaints: see how to complain.
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Frequently asked questions
Who regulates insurance in Rwanda?
The National Bank of Rwanda (BNR), the sole regulatory and supervisory authority for the insurance sector (BNR FAQ).
What is the insurance law in Rwanda?
Law n° 030/2021 of 30/06/2021 governing the organisation of insurance business, published in Official Gazette n° 29 of 02/08/2021.
Sources
- Law n° 030/2021 of 30/06/2021 governing the organisation of insurance business — Official Gazette n° 29 of 02/08/2021 (Gazettes.Africa archive)
- National Bank of Rwanda — Frequently asked questions: understanding insurance in Rwanda (June 2025)
- National Bank of Rwanda — List of licensed insurers (updated January 2025, the latest list published, checked 31 October 2026)
- National Bank of Rwanda — Licensed / approved insurance and reinsurance brokers (April 2026)
- National Bank of Rwanda — List of authorised reinsurance companies (updated January 2026)
- National Bank of Rwanda — official website