2025-06-18

  • Insurance Law
  • Administrative Law

The Insurance Sector Of Uganda: Beyond The Law

Article by Adrian Kalule

Abstract

Insurance Penetration in Uganda remains significantly low despite its potential to provide financial security and economic stability. Notwithstanding Uganda’s well-regulated insurance sector, it remains faced with unique challenges, that have informed its low insurance penetration rate. Key challenges include inadequate public awareness, mistrust in insurance providers, weak enforcement of mandatory insurance policies, and the financial constraints faced by many Ugandans. This paper analyses the underlying reasons for the low insurance uptake within Uganda, critically examining some of the regulatory gaps and the impact of informal insurance. The paper further proposes policy recommendations aimed at enhancing insurance accessibility and regaining public trust for the Insurance Sector.

Related Articles

Freedom Of Association And The LGBTQ+ Community In Uganda: An Examination Of Frank Mugisha And Two Others V Uganda Registration Services Bureau

John Martin Muwanguzi

This paper explores the resistance faced by the LGBTQ community in Uganda in asserting their right to freedom of association. It focuses on two key judicial decisions—one from Uganda and the other from Kenya—alongside rulings from other jurisdictions, to provide a broader perspective on the LGBTQ community’s right to associate. The Court of Appeal of Uganda took a narrow approach in deciding whether the Registrar of Companies acted lawfully in refusing to reserve the name "Sexual Minorities Uganda." While the court emphasised the Registrar's discretion, the key issue was whether that discretion was lawfully exercised. The paper argues that the decision marked a significant setback in the LGBTQ community’s efforts to realise their constitutionally guaranteed rights, hindering their ability to organise and associate freely.

A Legal Theory Of Mortgage And Land Transactions Under The Land Use Act 1978 In Nigeria: Issues And Challenges

Busari Morufu Salawu

The use of land as securities for mortgages appears more desirable for lenders because its value increases over a period and it cannot be shipped out of jurisdiction. This paper undertakes an overview of mortgage theories, examines their applications to mortgage transactions under the Nigeria’s Land Use Act 1978 and identifies and appraises challenges to their use. Although the Nigerian mortgage industry is still developing, due to a legal complexity in the sector, intermediate theory provides a strong base for its operation because of its adoption of principles of title and lien theories. Contentious provisions in the Land Use Act, such as the consent clause deemed grantee, and the half hectare clause are recommended for amendment for easy mortgage transactions.