The Importance of Having the Right Insurance Coverage for Your Car

Let’s be honest—owning a car in Ghana isn’t cheap.

Fuel prices go up, maintenance is constant, and let’s not even talk about the potholes. But here’s something many drivers overlook until it is too late: having the right motor insurance coverage.

And no, we are not just talking about having any insurance so the police would not stop you. We mean getting the right type of cover that actually protects you, your wallet, and your car.

So let’s break it down.

1. Not All Insurance Is Created Equal

You have probably heard of third-party and comprehensive insurance. Here’s the difference:

• Third-party insurance is the legal minimum. It only covers damage you cause to someone else’s vehicle or property. That’s it.

• Comprehensive insurance goes much further. It covers your own vehicle, even if you’re at fault, and also protects against theft, fire, vandalism, and some natural disasters.

👉 If you only have third-party and your own car gets damaged? You're on your own.

2. Accidents Happen—Even to the Best Drivers

You could be the most careful driver in Ghana, but that won’t stop someone else from crashing into you.

The right insurance means:

• You are not paying GHS 5,000+ out of pocket for repairs

• You get help fast with claims support

• You stay financially stable even when life throws a curveball

With platforms like Maya, you can even report claims via WhatsApp—no paperwork stress.

3. Theft and Fire Are Real Threats

Car theft and fire damage are more common than you’d think. And replacing a stolen car? Not cheap.

Only comprehensive insurance covers this. So if your car is your main way of getting around or earning an income, the right coverage is a must.

4. Flexible Coverage = Peace of Mind on Your Budget

Maybe you cannot afford a full year of comprehensive insurance upfront. That’s okay.

With Maya’s flexible pay-as-you-go option, you can insure your car for a few months at a time—depending on what you can afford.

That way, you're:

• Always covered

• Always legal

• Never too broke to stay protected

5. It’s About More Than Just Driving Legally

Yes, the law says you must have at least third-party insurance to drive in Ghana. But the law does not protect your car. The right coverage does.

Ask yourself:

• If my car was stolen today, would I be able to replace it?

• If I crashed tomorrow, could I afford repairs?

If the answer is no, you need to rethink your insurance.

Motor insurance is not just a box to tick but rather a financial backup plan. And with the right coverage, you are not only driving legally, you are driving smart.