Photo: Fquasie, Wikimedia Commons, CC BY-SA 4.0Third-party vs comprehensive car insurance in Ghana
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| Who or what is paid | Third-party | Third-party, fire and theft | Comprehensive |
|---|---|---|---|
| Injury to other people | Yes | Yes | Yes |
| Damage to other people's vehicles and property | Yes | Yes | Yes |
| Fire or theft of your vehicle | No | Yes | Yes |
| Accident damage to your own vehicle | No | No | Yes |
| Natural disasters | No | No | Yes |
Levels as described by the NIC (insurance products, FAQ). The exact cover, limits and exclusions are in each policy's wording.
Questions to ask before you choose
- What is the third-party property damage limit? The NIC quotes a minimum of GH₵7,000, which you can ask to increase.
- What is the excess, and when does betterment apply? Both reduce what you receive (NIC FAQ).
- Does the policy settle by repair or by a cash payment? Insurance in Ghana is indemnity: it does not promise a new vehicle (same FAQ).
- Is the insurer licensed, and is the agent or broker licensed? Check on the NIC register.
Before you sign, the NIC advises reading the cover, exclusions, sum insured, premium and renewal terms, and asking how and where to report a claim (consumer education).
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Frequently asked questions
Is comprehensive insurance compulsory in Ghana?
No. Only third-party motor insurance is compulsory. Comprehensive cover is optional, though a lender financing a vehicle may require it in the loan contract.
Does third-party insurance pay for my own car?
No. Third-party pays for injury or damage you cause to others. Fire and theft of your car need third-party, fire and theft; accident damage to your car needs comprehensive cover.
What is the minimum third-party limit in Ghana?
The NIC's products page gives a minimum limit of GH₵7,000 for third-party liability, which can be increased.