Help & resources

Answers, documents, and a human on 1320.

The questions we're asked most, every policy contract available to download, and our complaints handling policy — all in one place.

A Prime call centre agent helping a client

FAQs

How can we help you?

Still stuck? Our call centre is open around the clock on 1320, and every branch can answer the same questions in person.

Complaints handling policy
Why should I buy insurance from Prime?

Insurance should be a priority at every stage of life, whether you're starting your career, thinking about retirement, or growing a business. Prime helps you create the legacy you want to leave for your family and colleagues.

How does Prime fulfil its obligations?

We offer localised solutions built for Rwandan individuals and businesses, pay claims immediately when possessions are lost, stolen or damaged, price against a real evaluation of your risk backed by international reinsurance, and give you tailor-made advice from skilled experts.

What insurance products does Prime provide?

General insurance: motor, property, travel, marine, accident, money, contractors' all risk and liability. Life insurance: group life, education, pension, loan protection and funeral cover.

How do I buy Prime insurance products?

Visit any of our branches, call 1320 toll-free to speak to a service representative, buy through the customer portal, or email callcenter@prime.rw.

Is motor insurance mandatory in Rwanda?

Yes. Every vehicle on a public road must carry at least third-party cover. Driving without it risks a fine, impoundment and full personal liability for any damage you cause.

What does Prime motor insurance cover?

Three types: Platinum (comprehensive — third-party injury and property, driver and passengers, own damage, fire and theft, with free towing and claim preparation), Passenger (third-party plus occupants of your vehicle) and Solo (third-party plus bodily injury to any licensed driver).

What does Prime property insurance cover?

Home Fire, Home Fire+, Home Essential, Home Essential+, Home Sleep Easy and Home Sleep Easy+ — from fire, lightning and explosion cover up to earthquakes, storms, water and glass damage, neighbour liability and vandalism, with contents included on the plus packages. Contents-only packages are also available.

How fast do you really pay claims?

Easy motor claims under RWF 500,000 are settled within one hour of a complete declaration. Partial and total loss claims are settled within two working days of assessment. Easy money and marine claims are settled within 30 minutes, and funeral funds within two hours.

What do I need to make a claim?

Your policy or plate number, photos of the damage and scene, the other party's details where relevant, and a police statement for theft or injury. Everything can be submitted online or at any branch.

What is the COMESA extension?

It extends your motor cover to COMESA member states, so you stay insured when you drive across the region. Add it to any motor policy before you travel.

Can I buy or renew without visiting a branch?

Yes. Renew in the customer portal, or dial *177# from any phone — including a basic handset with no internet.

How do I pay my premium?

Mobile money, bank transfer, card in the portal, or in cash at any branch. Your certificate is issued as soon as payment clears.