Third party car insurance
If you want to drive on a public road in Ghana, third party motor insurance is the minimum legal requirement. A third party policy covers the driver if he or she damages another person, their vehicle or their property. So, if you lost control of your car and knocked down the neighbour’s fence wall or run into a Kuffuor bus, the policy should pay out. Similarly, you would be covered if you caused an accident and injured another motorist, or passenger.
But third party insurance is limited. It does not, for example, cover your vehicle if it is stolen or damaged by fire. It is therefore more suitable for motorists who drive an old “home-used” vehicle rather than a high performance sports car.
Third party motor insurance cover can sometimes work out cheaper than a fully comprehensive policy, but it is always worth checking whether you could buy more extensive cover for the same price.
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