Motor Insurance
Loss of or damage to any vehicle described in the schedule and its accessories and spare parts whilst thereon. In addition, if such vehicle is disabled by reasons of any loss or damage insured hereby, the company will pay the reasonable cost of protection and removal to the nearest repairers and the insured may give instructions for repairs to be executed without the previous consent of the company to the extent of but not exceeding GH¢500.00 provided that a detailed estimate is first obtained and immediately forwarded to the company..
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get a quoteWhat Our Comprehensive Motor Insurance covers
- Accidental collision or overturning
- Fire, external explosion, self-ignition or lightning
- Theft, burglary, house-breaking and malicious acts
- Flood, storm, earthquake, riot, strike and civil commotion
- Property damage, injury and death to third parties for which you may be legally liable
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Motor insurance, also known as vehicle insurance, is a policy that provides financial protection against damages, theft, or injuries resulting from accidents involving motor vehicles. It is necessary in Ghana to comply with the law and protect oneself from potential financial liabilities arising from accidents.
In Ghana, there are two main types of motor insurance:
- Third-party insurance: Covers damages or injuries caused to third parties involved in an accident.
- Comprehensive insurance: Provides coverage for damages to the insured vehicle as well as third-party liabilities.
Third-party insurance covers damages or injuries caused to third parties, including pedestrians, other vehicles, or property, in an accident involving the insured vehicle. It does not cover damages to the insured vehicle itself..
Comprehensive insurance provides broader coverage, including damages to the insured vehicle caused by accidents, theft, fire, vandalism, or natural disasters, in addition to third-party liabilities.
The premium for motor insurance in Ghana is determined based on several factors, including the type of coverage selected, the value and age of the vehicle, the driver's age and driving history, and the location where the vehicle is primarily used or parked.
Yes, motor insurance is mandatory in Ghana as per the Road Traffic Act, 2004 (Act 683). Every motor vehicle owner or driver is required to have at least third-party insurance coverage to legally operate their vehicle on public roads.
To purchase motor insurance in Ghana, you will typically need the vehicle's registration documents, proof of ownership, and valid identification. Additionally, some insurers may require information about the vehicle's make, model, year of manufacture, and usage. legally operate their vehicle on public roads.
In the event of an accident, immediately notify the police and your insurance company. Exchange contact and insurance information with the other parties involved, gather evidence (such as photographs), and seek medical attention if necessary. Do not admit fault or make any settlements without consulting your insurer.
Yes, motor insurance policies can typically be transferred to a new vehicle or another owner, subject to approval from the insurance company and payment of any applicable fees or adjustments. It is essential to inform your insurer about any changes in vehicle ownership or usage to ensure continuous coverage
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