Travel & Motor Insurance in Ghana
Protect your trip and your vehicle with comprehensive travel and motor insurance. Schengen-approved travel cover, plus motor policies in four categories — Third Party, Third Party Extra, Third Party Fire & Theft, and Comprehensive — register with your Ghana Card or phone number in minutes.
Insurance is no longer optional — it's essential. Many countries require proof of travel insurance for visa applications, and Ghana's Motor Traffic Regulations make motor insurance mandatory for every vehicle on the road. At Secure Travel and Tours, we partner with leading Ghanaian and international insurers to offer affordable travel insurance (including Schengen-approved plans) and motor insurance in four categories — Third Party, Third Party Extra, Third Party Fire & Theft, and Comprehensive — for private, commercial, and ride-hail vehicles. Register with just your Ghana Card or phone number — we'll handle the rest.
What's included
- Travel plans from GHS 150; motor policies from GHS 350 (Third Party)
- Schengen, UK, US and worldwide travel insurance certificates
- Motor stickers and NIC-registered certificates issued digitally
- Coverage accepted by all embassies for visa applications
- 24/7 emergency assistance hotline worldwide
- Baggage, trip cancellation, and flight delay compensation
- Comprehensive motor: accident, fire, theft, third-party liability
- Family and multi-trip annual plans for frequent travellers
- Renewal reminders sent by SMS and WhatsApp
- Fast claims support with a dedicated Accra-based team
Frequently asked questions
Do you offer motor insurance in Ghana?
Yes. We offer NIC-licensed motor insurance in four categories: Third Party (mandatory by law), Third Party Extra, Third Party Fire & Theft, and full Comprehensive cover — for private, commercial, and ride-hail (Uber/Bolt/Yango) vehicles. Register with your Ghana Card or phone number and we'll issue your policy digitally.
What is the difference between the motor insurance categories?
Third Party is the minimum required by Ghanaian law — it covers damage or injury you cause to other people or their property. Third Party Extra adds extended benefits on top of basic Third Party. Third Party Fire & Theft additionally covers loss of your own vehicle from fire or theft. Comprehensive is the widest cover — it includes Third Party plus damage to your own vehicle from accidents, fire, theft, vandalism, and natural disasters.
Can I register for insurance with just my Ghana Card?
Yes. Your Ghana Card is now accepted by all NIC-licensed insurers in Ghana as valid identification. You can also register using a phone number if you prefer — we'll follow up to verify your identity before issuing the policy.
Is travel insurance required for a Schengen visa?
Yes, Schengen visa applicants must have travel insurance with a minimum coverage of €30,000 for medical expenses and repatriation. Our Schengen plans meet all embassy requirements.
How much does travel insurance cost in Ghana?
Travel plans start from around GHS 150 for short trips (1–2 weeks). Cost depends on your destination, trip duration, age, and coverage level. Contact us for a personalised quote.
How much does motor insurance cost?
Third Party motor policies start from around GHS 350 per year for private saloon cars. Third Party Extra and Third Party Fire & Theft cost slightly more, while Comprehensive cover typically ranges from 3–6% of your vehicle's value depending on make, year, and usage. Ride-hail and commercial rates differ.
Does travel insurance cover COVID-19?
Yes, our recommended plans include coverage for COVID-19 related medical expenses and trip disruptions, subject to policy terms.
What if I need medical attention abroad?
Call the 24/7 emergency hotline on your policy card. The insurer will guide you to the nearest approved hospital and handle payments directly where possible.