Do you know these about Motor Insurance Policy?

Do you know that as a driver of a commercial or private vehicle in Ghana, you are entitle to a personal accident benefit of up to GHS5,000.00 or GHS2,000.00 depending on the year you first insured your vehicle irrespective of the extent of injury or even death?

Do you know that If Your Vehicle is driven by You, or by any person with Your consent, who is not licensed to drive Your Vehicle under all relevant laws in Ghana, insurers will not meet your claim?

Do you know that If  Your Vehicle is driven by any person whose faculties are impaired by any drug or intoxicating liquor, or who at the time of the accident, had been convicted of driving under the influence of any drug or intoxicating liquor, the insurance company would not pay for damages to your vehicle?

Do you know that If Your Vehicle is driven by any person who refuses to provide or allow the taking of a sample of breath, blood or urine for testing or analysis the insurance company would not pay for damages to your vehicle?

Do you know that If Your vehicle is used to carry a greater number of passengers or convey or tow a load in excess of that for which Your Vehicle was constructed, insurers would not pay for damage to your vehicle?

Do you know that If your vehicle is used in an unsafe or unroadworthy condition and such condition caused or contributed to the loss the insurer would not pay for damages to your vehicle?

Do you know that insurers would not pay For any further damage or extension of damage if your vehicle is driven after an accident before the necessary repairs are effected?

Do you know that insurers would not pay For loss, damage or liability caused by or materially contributed by Your Own criminal act or resulting from the use of the vehicle for an unlawful purpose?

Do you know that insurers would not pay For damage to your vehicle caused by war, foreign enemies hostilities, mutiny, insurrection, revolution, military or usurped power or by nuclear fuel, waste or material?

Do you know that insurers would not pay For loss or liability incurred whilst Your Vehicle is on a railway line/crossing, whether running or stationary other than as cargo?

Do you know that insurers would not pay For depreciation, wear and tear, rust or corrosion, mechanical, structural, electrical or electronic breakdown or failure damage on your vehicle?

Do you know that insurers would not pay for damages to your vehicles For any claim arising out of any contractual liability. The financial consequences of another’s negligent acts or omissions that results in bodily injury or property damage to a third party?

Do you know that insurers would not pay For damage or loss intentionally caused by you or any person acting with Your?

Do you know that insurers would not pay For damage to Your tyres by application of brakes or by road punctures, cuts or bursts?

Do you know that insurers would not pay For theft of or from Your Vehicle after an accident if reasonable steps to protect or safeguard Your Vehicle have not been taken?

Do you know that insurers would not pay for Loss suffered because You cannot use Your Vehicle because of an accident?

Do you know that The motor insurance policy and the certificate are not transferable when vehicle is sold?

Do you know that insurers may avoid the Policy if you fraudulently failed to disclose to insurers before the Contract was entered into every matter which You knew or which You could reasonably be expected to have known to be a matter relevant to the decision of the insurer whether to insure You and on what terms to accept the risk?

Do you know that insurers would not pay if you misrepresented any facts to them before the Contract was entered into, and if they would not have entered into the Contract for the same premium and on the same terms and conditions expressed in the Policy but for your failure to disclose or the misrepresentations you made?

Do you know that You will be responsible for the amount shown in the schedule under excess when there is damage to your vehicle?

Do you know that In the event of any accident You must immediately forward to your insurance company: full details in writing and any communication or court documents received?

Do you know that motor insurance policy pays a limited amount of GHS5,000.00 or GHS2,000.00 depending on the year you insured your vehicle on your behalf to the person’s whose property was destroy by the use of your vehicle?

Do you know that motor insurance policy do not pay any compensation to you when you use your car to damage your own property. Damage to your car could be paid if it is comprehensively insured?

Do you know that motor third party insurance pays out unlimited compensation to pedestrians and occupants other than the driver when there is an accident?

Do you know that you can check the validity of motor insurance by just dialing *920*57# on all phone networks?

Do you know most insurance policies have notification period within which you have to report loss to the insurance company?

Do you know that you can increase the limit on your motor policy that covers the damage your vehicle can cause to others’ property?

Do you know that as a driver, you can have a standalone personal accident policy with bigger sum assured than the one in the motor insurance and still benefit from both when there is an accident?

Do you that In the event of an accident insurers pay for the reasonable cost of protection and removal of Your Vehicle to the nearest repairer or place of safety and to any other place approved by the insurer provided the cost does not exceed 20% of the agreed repair bill when you have motor comprehensive insurance?

Do you know that insurers will pay the replacement cost of any tyre which is damaged and is rendered unusable as a direct result of an accident provided that the damaged tyre was not worn out, rethreaded or recapped prior to the accident when you have motor comprehensive insurance?

Do you that insurers We will pay the replacement cost of your windscreen if accidentally damaged, broken or shattered when you have motor comprehensive insurance?

Do you know that Provided no claim is made under your motor comprehensive policy during the preceding period of insurance, the renewal premium may be reduced unless You have already earned the maximum allowable No Claim Discount?

Do you know that with an international Motor Insurance Certificate known as the “ECOWAS BROWN CARD” in respect of your vehicle insurers will cover liabilities as specified in the said ECOWAS Brown Card Scheme whilst visiting other countries in the West African Sub-region?