Published : May 13, 2025
Article Author
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.
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.
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.
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.
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
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.
Works at Reappear
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