Planning to drive across multiple African countries? The COMESA Yellow Card Insurance makes it easy and safe to move your vehicle across borders within the Common Market for Eastern and Southern Africa (COMESA) region.
This unique third-party motor vehicle insurance policy covers you while driving outside your home country, giving you peace of mind in case of accidents or emergencies.
In this guide, you’ll learn everything you need to know about applying for COMESA Yellow Card Insurance and why it’s essential for cross-border motorists.
What is COMESA Yellow Card Insurance?
The COMESA Yellow Card Insurance is a third-party motor vehicle insurance scheme. It ensures smooth travel between member countries by offering a unified insurance solution.
The card covers medical costs and third-party liabilities in case of accidents involving the insured vehicle. It is not valid in the country of origin of the vehicle or driver. However, it is recognized and accepted in many COMESA countries, including:
- Kenya
- Uganda
- Tanzania
- Rwanda
- Burundi
- Ethiopia
- Eritrea
- DRC
- Malawi
- Zambia
- Zimbabwe
- Djibouti
- Sudan
Many of these countries require third-party insurance by law, making the COMESA Yellow Card a must-have for regional travel.
What the Card Covers
- Medical expenses for the driver and passengers
- Third-party injury or death
- Property damage caused to third parties
This cover ensures that if your vehicle is involved in an accident while in a COMESA member state, you won’t face legal or financial trouble from third-party claims.
Where To Get COMESA Yellow Card Insurance
You can apply from the same insurer who issued your regular or primary motor vehicle insurance policy. Only authorized insurance providers in the COMESA network are allowed to issue the yellow card.
Currently, over 100 insurance companies across the region offer this service. Each company will guide you based on your travel plans and coverage needs.
Documents You Need To Apply
To apply for the card ensure you have:
- A valid national ID or passport
- Vehicle logbook or registration certificate
- Proof of valid driving license
- Valid primary insurance policy
- Travel itinerary (for pricing purposes)
Cost of the COMESA Card Insurance
The cost depends on:
- Number of passengers travelling
- Duration of the trip
- Type of vehicle
- Insurance policy limits
Your insurer will calculate your premium based on these factors. Some companies also offer discounts for longer-term policies.
Use the Yellow Card App
To simplify access and provide real-time updates, COMESA has introduced a digital Yellow Card mobile app. You can use it to:
- Confirm card validity
- Access coverage details
- Get support while on the road
The app is available on the Google Play Store and Apple App Store.
