Protect yourself from financial liability when your private vehicle causes damage to another person's property or injures a third party. This is the mandatory minimum cover required by law in Zambia for all private vehicle owners.
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 private vehicle owners — individuals using their personal car, SUV, or light vehicle for everyday commuting and personal travel. If you own a private vehicle in Zambia, this cover is legally required.
Coverage Period Options
Choose the period that suits your needs:
1 Quarter (3 months) — Flexible short-term cover
2 Quarters (6 months) — Mid-year cover
3 Quarters (9 months) — Extended cover
4 Quarters (12 months / Annual) — Best value; full-year peace of mind
💡 Choosing annual cover saves you the hassle of quarterly renewals and often offers the best rate per month.
How It Works
Select your coverage period — Choose 1 to 4 quarters based on your needs.
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? Third party insurance covers damage you cause to another person's vehicle or property, and bodily injury to third parties. It does not cover damage to your own vehicle.
Is this cover mandatory? Yes. Third party motor insurance is a legal requirement for all vehicles on Zambian roads. Driving without it can result in fines or impoundment.
How do I renew my policy? Simply return to this page before your cover expires, select your next period, and complete payment. Your new policy will be issued within 24 hours.
