Imperial General Motor Insurance
Imperial General Assurance provides the minimum legally mandated third-party insurance cover, but recommends where possible clients look at taking a higher level Comprehensive Insurance cover. By doing so, should a client be involved in an accident, the protection is extended to protect your own vehicle’s loss as well as covered for third party liability.
This is the most basic cover option available which primarily ensures that the insured client complies with the laws of Ghana. It provides coverage when an insured client causes bodily injury and/ or property damage or death to another person. This must arise out of the use and operation of the vehicle. The policy also provides compensation to third parties such as occupants of vehicles. This is the minimum cover required by the Motor Insurance Act for vehicles used on the road. Note that under this option, the insured client's vehicle is not covered when the vehicle is damaged accidentally.
With this option in addition to complying with the minimum requirement of the law, this policy extends to include loss or damage as a result of theft and fire.
This covers accidental loss or damage to your vehicle(s) whether it is for private or corporate use or vehicles used to carry your business goods, vehicles for hire, and vehicles such as trucks and tankers used for general cartage.
Summary of Cover (Comprehensive Motor Insurance)
Accidental collision or overturning.
Fire, external explosion, self-ignition, or lightning.
Theft, burglary, house-breaking, and malicious acts.
Floods, storms, earthquakes, riots, strikes, and civil commotion.
Property damage, injury, and death to third parties for which you may be legally liable.