Compare car insurance in Zambia

By the Rateweb editorial team · How we rate · Product details checked 2 Aug 2026

Third-party motor cover is compulsory for every vehicle in Zambia under the Road Traffic Act — driving without it is an offence. Compare insurers registered with the Pensions and Insurance Authority (PIA), and check what each level actually pays for before you buy.

⭐ Ratings & awards are Rateweb's independent editorial opinion — how we rate.

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4 results
Widest branch network

ZSIC General Insurance — motor

The state-owned insurer and the country's oldest — it was the only insurer permitted in Zambia from 1968 to 1991, and still has the widest branch reach for claims.
comprehensive
Cover
PIA-registered
Regulator
Act Only, full third party, comprehensive
Levels Offered
Nationwide
Branch Network
Pros
  • Longest-established insurer in Zambia, with nationwide branches
  • Offers Act Only, full third party and comprehensive
  • Easy to reach in person when you need to lodge a claim
Cons
  • Premiums are quoted per vehicle — no published price list
  • State-owned insurers are not automatically the cheapest
  • Compare at least two quotes before renewing
Fees, eligibility & documents
Fees
PremiumQuoted on your vehicle, use and driving history
Minimum legal coverAct Only (third party) — compulsory to drive
Visit ZSIC General

Professional Insurance Corporation Zambia (PICZ) — motor

One of Zambia's largest private general insurers and a listed company — a solid alternative quote to put alongside ZSIC before you renew.
comprehensive
Cover
PIA-registered
Regulator
Act Only, full third party, comprehensive
Levels Offered
Pros
  • Large, established private general insurer (listed as PICZ PLC)
  • Full motor range from Act Only to comprehensive
  • PIA-registered and an IAZ member
Cons
  • No published premium table — everything is quoted
  • Comprehensive cover costs materially more than Act Only
  • Check the excess, not just the premium
Fees, eligibility & documents
Fees
PremiumQuoted per vehicle and driver
ExcessAsk for it in writing — it decides what a claim really costs you
Visit PICZ

Madison General Insurance — motor

Part of the Madison group, which runs both general and life businesses — convenient if you want motor and life cover under one roof.
comprehensive
Cover
PIA-registered
Regulator
General and life under one brand
Group
Pros
  • Established group with both general and life arms
  • Full motor cover range
  • PIA-registered and an IAZ member
Cons
  • Premiums quoted individually, not published
  • One-provider convenience is not the same as best price
  • Still worth getting a competing quote
Fees, eligibility & documents
Fees
PremiumQuoted per vehicle and driver
BundlingAsk whether motor + life together earns a discount
Visit Madison General

Hollard Insurance Zambia — motor

The Zambian arm of a large pan-African insurer, with both general and life licences here — a strong third quote for comparison.
comprehensive
Cover
PIA-registered
Regulator
Pan-African insurer
Group
Pros
  • Backed by a substantial pan-African insurance group
  • Holds both general and life licences in Zambia
  • PIA-registered and an IAZ member
Cons
  • No published premiums — quote-based
  • Smaller branch footprint than ZSIC
  • Confirm the claims process before you need it
Fees, eligibility & documents
Fees
PremiumQuoted per vehicle and driver
ClaimsAsk how claims are lodged and typical turnaround
Visit Hollard Zambia

Ratings are Rateweb's editorial opinion. Product details can change — always confirm with the provider before applying. Rateweb may earn a commission on some applications. This is general information, not financial advice.

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