• Make a Claim
• Branch Network
• Find an Agent
• Contact Us

• Home
• /
• Insurance

Motor Insurance

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.

Third Party

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.

Third Party Fire & Theft

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.

Comprehensive

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.

Collision Insurance

Collision Insurance is a type of motor insurance cover that helps pay for damage to your vehicle if you're involved in a collision with another vehicle or object.

The policy covers:

Guaranteed Third Party benefits.
Replacement or repair of damaged car part(s).
Hospitalization benefits for the insured (driver or car owner) whether caused by sickness or accident. Hospitalization benefits kick in from 3 days after admission and it’s for 30 days.

You are advised to buy Collision Insurance if you do not have enough financial resources to cover repair expenses or replacement cost for your vehicle caused by collision with another vehicle or an object.

Trusted by more than 300 companies