Mirai Insurance expands agent network to simplify digital motor cover transition

KAMPALA, Uganda — Mirai Insurance has launched a nationwide educational initiative to guide motorists through the Insurance Regulatory Authority’s transition to digital Motor Third-Party insurance, as the regulator moves to eliminate physical stickers.

The campaign focuses on bridging the information gap following the phased move to an electronic database.

While the shift is designed to modernize enforcement and curb insurance fraud, it has left many drivers seeking clarity on how to remain compliant without a physical label on their windscreens.

Under the new framework, enforcement officers verify insurance status in real time by accessing a central database. This replaces the traditional paper system, which officials say was frequently undermined by loss and sophisticated forgery. Mirai Insurance representatives said the digital system ensures that once a motorist is insured, their record is instantly accessible to authorities, providing more reliable proof of cover during roadside inspections.

A primary objective of the digitization is the eradication of counterfeit stickers. Because policies are integrated directly into the regulatory database, they cannot be altered or duplicated by third parties. Joseph Nsubuga, chief executive officer of Mirai Insurance Uganda, said the company is prioritizing a seamless transition for all motorists.

“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.

To support the roll-out, Mirai has deployed more than 200 trained agents across the country. These agents offer hands-on assistance for motorists who prefer personal interaction over digital platforms, helping them navigate the purchase and verification process. The company’s campaign also highlights secondary benefits of the shift, including instant policy issuance, faster renewal cycles and the environmental reduction of single-use materials.

As the digital insurance market becomes increasingly competitive, Mirai has invested in mobile interfaces to facilitate remote renewals while working to dispel misinformation regarding the lack of physical stickers.

Industry analysts noted that the transition aligns Uganda’s insurance sector with broader regional efforts to digitize public services.

Mirai is now urging motorists to confirm their digital status promptly to avoid coverage gaps.