Commercial and passenger vehicle insurance checklist
Short answerChecked 23 September 2026
Print it or keep it on your phone, and go through it with the insurer or broker before you pay. Each point links to the rules for your country below.
- The policy is for the real use of the vehicle: PSV, taxi, ride-hailing or goods.
- Every passenger seat is covered, and you know the limit per seat.
- Third-party property damage is included.
- Own damage, theft and loss of use are covered if you need the income.
- Drivers and conductors are covered by work-injury insurance.
- Goods in transit are covered for a goods vehicle.
- You know the insurer's claims payment policy and deadline.
- The certificates verify online for every vehicle in the fleet.
The rules in your country
- Matatu, PSV and ride-hailing insurance in KenyaKenya
- WIBA insurance in Kenya (WIBA Act 2007): the complete guide for employers and workersKenya
- Taxi, bus and commercial vehicle insurance in UgandaUganda
- Business insurance in Uganda: workers' compensation and propertyUganda
- Daladala, taxi and ride-hailing insurance in TanzaniaTanzania
- WCF Tanzania: Workers Compensation Fund contributions, claims and benefitsTanzania
- Employment injury and business insurance in EthiopiaEthiopia
- COIDA and the Compensation Fund: Return of Earnings, claims, contacts and business insuranceSouth Africa
- Business insurance in Botswana: licensed insurers and workers' compensationBotswana
- Business insurance in Ghana: the covers the law requiresGhana
- Minibus, taxi and truck insurance in MalawiMalawi
- Business insurance in Malawi: workers' compensation, property and liabilityMalawi
- Business insurance and employees' compensation in NamibiaNamibia
- Business insurance in Nigeria: the covers the law requiresNigeria
- Business insurance in Rwanda: staff schemes and the cover you buyRwanda
- Business insurance in Zambia: what employers must haveZambia
- Business insurance in Zimbabwe: NSSA work-injury cover and private policiesZimbabwe