Britam Uganda has unveiled the Car-Tono Katono Campaign, a new motor insurance initiative designed to make comprehensive motor insurance more accessible by allowing customers to pay premiums in manageable instalments.
While motor insurance is a legal requirement for all motorists in Uganda, many drivers and fleet operators continue to rely mainly on Motor Third Party cover. One of the key barriers to taking up comprehensive insurance has been the requirement to pay the full annual premium upfront, which can place pressure on household and business cash flow.
Car-Tono Katono addresses this challenge by giving customers the flexibility to pay for comprehensive motor insurance monthly, quarterly, semi-annually, or in a manner aligned to their cash flow. By reducing the pressure of one large upfront payment, the campaign enables more drivers and fleet operators to access broader motor protection.
Speaking at the launch, Allan Mafabi, Chief Executive Officer of Britam Insurance Uganda, said: “For far too long, many Ugandans have had to dig deep into their wallets to pay for costly garage repairs after accidents. With Car-Tono Katono, we are helping change this reality by making comprehensive motor insurance more accessible before emergencies happen, through flexible payments that fit everyday cash flow.”
“Insurance should not feel like a once-a-year financial burden. It should be simple, convenient, and easy to plan for, much like other regular commitments people already manage. Our goal is to give customers peace of mind by making motor insurance easier to access, easier to pay for, and easier to manage,” he added.
As part of the campaign, Britam has integrated an AI-enabled vehicle inspection module into the motor insurance customer journey, with access available through WhatsApp. This allows customers to remotely self-inspect their vehicles using their mobile phones, purchase cover, and manage their motor insurance policies more conveniently. A process that previously required physical visits and could take days can now be completed in minutes, reducing manual processes and bringing insurance closer to customers’ everyday lives.
The initiative is powered through strategic partnerships with NxtPe and GTBank. GTBank is the first banking partner to provide Insurance Premium Financing on the platform, enabling customers to spread their insurance payments over time while accessing comprehensive cover, subject to policy terms and financing requirements. NxtPe supports the digital customer experience, helping make the payment and policy journey simple, seamless, and convenient.
With Car-Tono Katono, flexible payment does not mean partial protection. Once the comprehensive motor policy is issued and the agreed payment terms are met, customers enjoy full comprehensive insurance cover for the policy period, backed by Britam’s long-term heritage across Africa. This allows customers to protect their vehicles fully while paying in a way that better suits their cash flow.
The launch comes at a time when Uganda’s motor vehicle population continues to grow, alongside rising demand for financial solutions that are flexible, convenient, and designed around real customer needs. Britam’s approach reflects a broader shift within financial services towards solutions that fit how people live, earn, and plan.
Britam will continue to explore partnerships that make motor insurance more accessible to customers across Uganda.
Through the Car-Tono Katono Campaign, Britam aims to help more Ugandans move beyond minimum cover and access the motor protection they truly need in a more affordable and practical way.
Customers can sign up for the Car-Tono Katono motor insurance solution by:
- Visiting ug.britam.com/katono
- Chatting with Britam on WhatsApp through +256 790 809771 or wa.link/Britam
- Visiting any Britam Uganda branch or speaking to a licensed Britam insurance advisor
With Car-Tono Katono, Britam is redefining motor insurance by transforming it from a once-a-year financial obligation into a flexible, manageable commitment, helping customers stay protected while keeping their finances on track.