To confirm if a vehicle has an insurance cover in Ghana, simply dial *920*57#, follow the prompt, and learn more about the vehicle. Did you know? Research by the Ghana Insurers Association (GIA) revealed that more than 70% of Ghanaian adults had no insurance coverage. The USSD code could be a life saver for you if you use it at the right time.
Ensuring that your vehicle’s insurance is valid is not only a legal requirement in Ghana but also a critical aspect of road safety. Various methods have made the process straightforward and accessible. This article will throw more light on how to check car insurance in Ghana and how insurance companies can avoid insuring a stolen vehicle. The following are the two major ways of confirming vehicle insurance in Ghana:
Using the Motor Insurance Database (MID)
MID is a project of NIC that integrates car insurance data to provide easy and efficient means of verifying insurance. This database of the insurance status of the car is one of the most convenient and fast ways of its identification.
Steps to Follow:
- Dial *920*57#: This USSD code is accessible from any mobile network in Ghana, making it an easy option for all mobile users.
- Enter the Car’s Registration Number: Once you dial the code, follow the prompts to accurately input the vehicle’s registration details.
- Receive Confirmation: After submitting the registration number, you will receive a message indicating whether the insurance is valid. The message will also provide other relevant details, such as the insurance company and policy expiration date.
Utilizing Online and Offline Resources
If you prefer to verify the insurance status online, you can do so through the National Insurance Commission’s website or pay them a visit in their office. This method, while not as immediate as the USSD service, offers a comprehensive way to check insurance details.
Steps to Follow:
- Visit the NIC Website: Open your web browser and go to the National Insurance Commission’s official website.
- Locate the MID Service: Navigate through the website to find the section or link dedicated to checking insurance status. This might be labeled as “Motor Insurance Database” or something similar.
- Enter Vehicle Details: Input the vehicle’s registration number in the designated field.
- Verify Insurance: The system will process your request and display the insurance information, including its validity and other pertinent details like the insurer’s name and policy period.
Note: Always check the NIC’s website for the latest updates and instructions, as the steps and availability of online services may change.
If you want to visit in person or call on the phone, here are the numbers to call and the address to visit:
Phone: Email :
030 2 238300 [email protected]
030 2 238301 [email protected]
Address :
National Insurance Commission
Appiah Ampofo House
67 Independence Ave
P.O.Box CT 3456
Cantonments, Accra
Additional Tips for Ensuring Valid Car Insurance
- Keep Physical Proof of Insurance: While digital verification methods are highly convenient, it’s still essential to carry physical proof of your insurance policy in your vehicle. This can be useful during road checks or in case of technical issues with the digital systems.
- Beware of Counterfeit Insurance Stickers: There have been instances of fake insurance stickers circulating. To avoid falling victim to such fraud, always verify your insurance status through the MID.
- Regularly Check Your Insurance Status: It’s good practice to regularly verify your vehicle’s insurance status, especially before long trips or after policy renewals, to ensure that your coverage is active and up-to-date.
- Understand Your Policy: Be familiar with the details of your insurance policy, including coverage limits, exclusions, and the claims process. This knowledge can be crucial in the event of an accident or insurance claim.
Benefits of Verifying Car Insurance
- Legal Compliance: Driving an uninsured vehicle is illegal and can result in hefty fines or legal action. Regular verification ensures that you remain compliant with the law.
- Financial Protection: Valid insurance provides financial protection against accidents, theft, and other damages. Verifying your insurance ensures that you have the necessary coverage when you need it.
- Road Safety: Ensuring that all vehicles on the road are insured contributes to overall road safety. It means that in the event of an accident, there is a system in place to manage and mitigate damages.
By following these steps and tips, you can easily verify the insurance status of any vehicle in Ghana. This proactive approach not only helps you avoid legal issues but also ensures that you are financially protected and contributes to a safer driving environment.
Would you like to learn more about other aspects of car insurance in Ghana, such as understanding different types of coverage, filing a claim, or getting tips for choosing the best insurance policy? Let us know in the comments section.
How to Avoid Insuring a Stolen Car?
Vehicle theft is not only a local issue but a global one. In Nigeria, cities like Lagos and Abuja are hotspots for car thefts, with over 2,500 vehicles reported stolen in Lagos alone in 2021. Similarly, the FBI reported over 721,000 motor vehicles stolen in the United States in 2019, amounting to approximately $6 billion in losses. High theft rates are also observed in Brazil, South Africa, and the United Kingdom. Here’s why a stolen vehicle VIN check is essential:
Verifying a car’s history ensures that you are not purchasing a stolen vehicle or insuring one that can be confiscated by authorities, leaving you without compensation. It also protects you from legal trouble, as unknowingly owning a stolen car can lead to arrest and fines.
Would you like to learn more about car insurance in Ghana, such as the types of coverage available or how to file a claim? Stay informed and ensure that your vehicle transactions are secure with Vehicle Checks.
