Policy Framework

The third party motor vehicle insurance scheme, commonly known as the Yellow Card, is a regional Third Party insurance card scheme recognized by participating states that are party  to the Yellow Card Scheme as evidence of guarantee in compliance with the national laws or regulations governing third party liability of motor vehicle accidents. The implementation of the yellow card is premised on The Protocol on the Establishment of the Third Party Motor Vehicle Insurance Scheme which was signed on December 4, 1986 in Addis Ababa, Ethiopia by fourteen countries. The Protocol was drafted following the decision by the Sixth Council of Ministers in 1985 that a compulsory Third Party Motor Vehicle Insurance Scheme be established. The decision was in line with Article 85 and Annex II of the Treaty.

Programme Description

The yellow card is an equivalent of a policy of insurance recognized as a valid certificate of motor insurance and evidence of a guarantee to provide the compulsory minimum insurance cover required by the laws of the participating states in which accidents would have occurred and involving vehicles from other participating countries. The card is standard and uniform in appearance throughout the region to that it can be readily identified and accepted as a certificate of insurance by all the participating countries.

In the case of RISM, Member States are required to legislate the issuance of the yellow card through specific legal instruments, and also appoint national insurers as focal points.

Performance Assessment

A target of at least 12 countries to implement the Yellow Card was set at the beginning of the programme, to date *** countries have achieved the indicator.