Car insurance in Ghana, without the runaround.
Third-party or comprehensive cover. Compare prices from our insurers in a few minutes, pay online, and get your certificate on your WhatsApp.
Private and commercial vehicles · 12-month cover · Pay by mobile money or bank transfer
Third-party or comprehensive?
Both policies last 12 months. The difference is whether your own car is protected.
Third-Party
The legal minimum to drive in Ghana
Covers damage you cause to other people and their property.
- Injury to other people, including passengers and pedestrians
- Damage to other people's cars and property
- 12 months of cover, with a certificate you can show at checkpoints
- Damage to your own car
- Theft of your own car
Best for: Older cars, tight budgets, and anyone who just needs to be road-legal.
Get a priceComprehensive
Covers other people, and your own car too
Everything third-party covers, plus protection for your own vehicle.
- Everything in third-party cover
- Accidental damage to your own car
- Fire and theft of your car
- 12 months of cover, with a certificate you can show at checkpoints
Best for: Newer or valuable cars, financed cars, and anyone who can't afford to replace their car out of pocket.
Get a priceNot sure which one you need?
Ask our team. We'll help you choose.Exact cover, limits and exclusions are set by each insurer's policy wording. Ask our team and we'll send it to you before you pay.
Why insure with Wabenzy
We work with an insurance broker to get you cover from established insurers, and our team handles the paperwork for you.
We compare insurers for you
Answer a few questions about your car once. We show you what each of our insurers would charge.
One all-in price
Each option comes as a single figure. What we quote is what you pay, and nothing is added at the end.
Pay the way you want
Pay by mobile money or bank transfer. Bank transfer means even a large comprehensive premium isn't limited by your wallet.
Your certificate, sent to you
Once the insurer approves your policy, it's on your policy page and on your WhatsApp. No office visit needed.
Private and commercial vehicles we insure
How to buy car insurance with us
Tell us about your car
Choose third-party or comprehensive, then answer a few questions: the vehicle type, the seats, and the car's value if you want comprehensive.
Pick your insurer
See a price from each insurer, one total each, and choose the one you want.
Share the car's details
We ask for what the insurer needs to issue the policy: registration, chassis number and the owner's name.
Confirm your number and pay
We confirm your WhatsApp number with a code so the certificate goes to the right person, then you pay by mobile money or bank transfer.
Have these ready
The insurer needs a few details to issue your policy. Most of them are on your vehicle registration documents. A photo of the documents is fine.
- Registration number
- Chassis number (VIN)
- Make, model and year
- Number of seats
- Owner's full name, as it should appear on the certificate
- The date you want cover to start
- The car's current value (comprehensive only)
Car insurance questions, answered
What's the difference between third-party and comprehensive insurance?
Third-party pays for damage you cause to other people, their cars and their property. It does not pay to repair or replace your own car. Comprehensive covers all of that and your own car as well, for example after an accident, a fire or a theft.
Is third-party insurance compulsory in Ghana?
Yes. Under the Motor Vehicles (Third Party Insurance) Act, every vehicle on Ghana's roads must have at least third-party cover. Motor insurance is regulated by the National Insurance Commission (NIC). Comprehensive is optional, but it's the only cover that protects your own car.
How much is third-party or comprehensive insurance in Ghana?
Third-party is priced by vehicle type, with a small charge for each seat above five. Comprehensive adds a percentage of your car's value on top of that. Answer a few questions about your car and we'll show you one all-in price from each insurer.
How long does the cover last?
Policies run for 12 months from the start date you choose. When yours is about to end, start a new quote here or message our team.
How long until I get my certificate?
We submit your policy as soon as your payment lands. Once the insurer approves it, usually within a few working hours, we send the certificate to your WhatsApp. If you pay outside working hours, we'll tell you when to expect it.
How do I pay?
By mobile money or bank transfer. You'll see the payment details as soon as you've chosen your insurer.
What if the insurer declines my application?
It's rare. If it happens, our team will contact you to sort it out, either with another insurer or with a refund.
Get covered today.
Compare prices from our insurers in a few minutes and pay online. Prefer to chat? Our team is on WhatsApp.
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