Africa-Press – Uganda. As Uganda, through the Insurance Regulatory Authority of Uganda (IRA), concludes the phased transition from physical Motor Third-Party (MTP) stickers to a fully digital system, Mirai Insurance has stepped up efforts to educate and support motorists navigating the change.
With the regulator now issuing only digital MTP records, many drivers remain uncertain about what the shift means for everyday compliance and security. Mirai, a long-established distributor of motor third-party insurance, says it is positioning itself as a trusted partner to ensure the transition is seamless, secure and accessible.
Under the new framework, a digital MTP sticker is no longer a physical label affixed to a windscreen but an electronic insurance record stored in the national IRA database.
The transition is aimed at eliminating fraud, modernising enforcement, and aligning motor insurance with Uganda’s broader public sector digitisation agenda. Law enforcement officers now verify insurance cover in real time through the central IRA system.
The change has raised concerns among some motorists, particularly about whether the absence of a physical sticker could lead to penalties. According to Mirai, compliance is now determined by visibility within the IRA’s digital system rather than possession of a printed label.
Once a policy is issued and recorded in the IRA database, authorities can instantly confirm coverage. This digital verification system is intended to provide more reliable proof of insurance while strengthening oversight.
Security is cited as one of the primary benefits of the digital model. The previous sticker-based system was vulnerable to counterfeiting and duplication. By contrast, policies uploaded directly into the IRA system cannot be altered or forged, offering stronger protection for motorists and insurers alike.
Recognising that not all motorists are comfortable with digital-only processes, Mirai says it has streamlined purchase and renewal options to work efficiently via mobile phones, while maintaining its nationwide agent network. The company’s more than 200 trained agents provide in-person guidance to customers, assisting with policy purchases, renewals, payments, and verification within the IRA system.
Beyond operational support, the company’s campaign focuses on public education. It highlights key advantages of digital MTP cover, including instant issuance, faster renewals, reduced paperwork, improved fraud protection, and reduced environmental impact from eliminating single-use materials.
Joseph Nsubuga, Chief Executive Officer of Mirai Insurance Uganda, says the company’s approach combines regulatory compliance with customer-focused service.
“We are not simply selling policies; we are helping motorists adapt to change. Our goal is to ensure that every driver — whether digitally confident or not — can access secure, recognised insurance cover quickly and confidently,” he said.
Mirai also notes that competition in the digital insurance space has increased as providers promote their platforms. However, the company says its integrated digital systems, established agent network and emphasis on education distinguish its offering.
To enhance accessibility, Mirai has invested in user-friendly online interfaces and step-by-step guidance materials, while ensuring agents remain available in both urban and rural areas.
For motorists still hesitant about digital MTP insurance, the company’s message is clear: renew or obtain cover promptly to avoid lapses and benefit from a more secure, efficient system. With digital issuance and real-time verification through the IRA database, insured motorists can drive with confidence under the new regulatory framework.
