Motor Insurance
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Road accidents can happen out of the blue. That’s why we’re here. Our Private Motor Vehicle Insurance Policy covers you against unforeseen events such as:
- Damage to your car
- Personal accident
- Damage to someone’s property
- Injury to another person
DID YOU KNOW?
Motor insurance is compulsory in Ghana (Motor Vehicles Third Party Act, 1958)
All motor vehicle owners are required by law to have a motor insurance policy to cover their legal liability to others who may suffer death, bodily injury or damage to their property as a result of the use of the vehicle.
Why is it important to insure your vehicle(s)?
Motor insurance is essential because it protects you and others from the unexpected. If your vehicle causes injury, death, or damage to someone else's property, your insurance steps in to cover the costs. This includes passengers, pedestrians, property owners, and other road users.
Types of Motor Insurance Covers
We offer four types of motor insurance covers to suit your needs:
1. Third-Party Cover
2. Enhanced Third-Party Cover (Smart Drive)
3. Third-Party Fire & Theft Cover
4. Comprehensive Cover
This is the basic cover required by law.
- What It Covers:
- Bodily Injury: Provides compensation if someone else gets hurt in an accident involving your vehicle. This includes passengers, pedestrians, and other road users. However, there is also some personal accident cover for the driver of vehicle (terms and conditions apply).
- Property Damage: Covers damage to someone else's property up to GH¢6,000.00, but you can request more if needed. You may choose to increase your Third-Party Property Damage Limit (TPPDL) to a desired amount.
- What It Doesn't Cover: Damage to your own vehicle.
With Smart Drive, you can now enjoy additional benefits with our third-party private motor insurance policy.
- What It Covers:
If your car causes an accident, we will:
- Injury or Death: Cover medical costs for anyone hurt.
- Property Damage: Pay for damage to someone else's property.
- Extra Benefits
- Smart Drive also protects your car from:
- Broken Mirrors
- Damaged Windshields
- Minor Dents and Scratches
- Plus More!
You still get all the usual benefits of third-party insurance.
A step up from the basic cover.
- What It Covers:
- Everything included in the Third-Party Cover.
- Fire Damage: If your vehicle is damaged by fire.
- Theft: If your vehicle is stolen.
The most extensive coverage.
- What It Covers:
- Everything included in the Third-Party Fire & Theft Cover.
- Accidental Damage: Covers damage to your own vehicle from accidents.
- Total Loss: If your vehicle is destroyed by fire, theft, burglary, or an accident.
We offer flexible third party and comprehensive motor insurance policies to meet your needs. No matter your choice, we've got you covered.
- Just the Basics? Go for the Third-Party Cover.
- A Bit More Protection? Choose the Smart Drive or Third-Party Fire & Theft Cover.
- Total Peace of Mind? Opt for the Comprehensive Cover.
Think about what level of protection you need and get in touch with us to set up your motor insurance. We're here to help you drive with confidence!
Drive safe and stay covered!