Running a bus or taxi service means carrying passengers every day — and with that comes significant liability. This policy provides the mandatory third party cover required for public service vehicles (PSVs) in Zambia, protecting your business from costly claims arising from accidents on the road.
Coverage Details
Property damage limit: K30,000
Personal injury per person: K66,700
Personal injury per event: K133,400
Who Needs This?
This policy is designed for bus operators, minibus owners, and taxi operators — anyone operating a public service vehicle (PSV) for passenger transport in Zambia. Third party insurance is a legal requirement for all PSVs and is typically required for licensing and roadworthiness certification.
Coverage Period Options
Choose the period that fits your operating schedule:
1 Quarter (3 months) — Short-term cover for seasonal or contract routes
2 Quarters (6 months) — Mid-year cover for ongoing operations
3 Quarters (9 months) — Extended cover for longer operating periods
4 Quarters (12 months / Annual) — Best value; uninterrupted cover for a full year of operations
💡 Annual cover is strongly recommended for active PSV operators — it avoids coverage gaps that could ground your vehicle and disrupt your income.
How It Works
Select your coverage period — Choose 1 to 4 quarters based on your route schedule.
Complete payment — Pay securely online via your preferred method.
Receive your policy — Your policy document is issued within 24 hours.
Frequently Asked Questions
What does third party cover for buses and taxis? It covers damage your vehicle causes to another person's property and bodily injury to third parties (including pedestrians and other road users). It does not cover damage to your own vehicle or injury to your passengers under this policy.
Is this cover mandatory for PSVs? Yes. All public service vehicles in Zambia are legally required to carry at least third party insurance. It is also typically required for RTSA licensing and fitness certification.
Does this cover my passengers? This is a third party policy and does not include passenger liability cover. Contact us if you require a policy that includes passenger protection.
How do I renew? Return to this page before your cover expires, select your next period, and complete payment. Your renewed policy is issued within 24 hours.
