Motor Insurance

Our Motor insurance covers you for the loss or damage caused to your automobile or its parts due to natural and man-made calamities. It provides accident cover for individual owners of the vehicle while driving and also for passengers and third party legal liability.

Cover options

Kingly & Queenly

Unlike your standard Comprehensive Insurance policy that reacts only at the time of an accident, the Kingly & Queenly Motor Comprehensive Insurance Policy was designed to provide the following benefits in addition to the Standard Comprehensive Insurance.

Motor Comprehensive

Comprehensive Motor insurance cover provides the best all round protection for your vehicles.

It is a combination of the third party, third party fire and theft and accidental damage.

Motor Third Party - Fire & Theft

This is an extension of the Third Party Cover. It provides indemnity for loss of or damage to the insured vehicle occasioned by Fire or Theft. It does not however, cover other accidental damage to your vehicle itself, e.g. Collision, overturning etc.

Third Party Only

This is the minimum motor allowed under the ACT of 1958.

Injury or death to third parties i.e. persons in a car which impacts with your car or pedestrians who are knocked down due to negligence on your part or on the part of your driver.

It does not cover other accidental damage to your vehicle itself, e.g. Collision, overturning etc.

Scope of Cover

The policy covers:

Accidental Damage to the Insured vehicle caused by or arising out of accidental collision or overturning or collision or overturning due to mechanical breakdown or wear and tear.
Total loss of vehicle due to accident
Covers the third party’s car you involve in an accident with
Fire external explosion, self-ignition or lightning
Theft, Burglary, House breaking
Malicious Act
Flood, Storm, Hurricane, Volcanic Eruption, Earthquake or
Other convulsion of Nature, Strike, Riot and Civil Commotion.

Other benefits of the Comprehensive cover:

Repair partial damaged vehicles
Pay for total loss vehicles
Refund of reasonable towing costs
Payment of basic first-aid costs for injuries by insured and other occupants as a result of an accident
Liability to third parties. Third Party Liability to property is GH¢ 5,000.00 whiles liability to injuries or death is unlimited