Motor Insurance Calculator — Ghana
Instant NIC 2026 tariff-correct premium estimate — all vehicle types, no sign-up required.
Fill in the form and click Calculate to see your premium.
Motor Insurance in Ghana — What It Covers
Motor insurance in Ghana protects you against damage to your own vehicle and your liability to third parties for injury or property damage caused while driving. Third Party insurance is the legal minimum required to drive on Ghanaian roads.
What It Covers
- Accidental damage to your own vehicle (Comprehensive)
- Fire damage and theft (Comprehensive + TPFT)
- Third-party bodily injury liability
- Third-party property damage liability
- NIC statutory charges (GHS 79 included)
- Excess buy-back option available
Who Needs It
- Private car and SUV owners
- Corporate fleet managers
- Commercial taxi and hiring car operators
- Minibus and bus operators
- Articulated truck and tanker operators
- Motorcyclists and tricycle riders
Motor Insurance in Ghana — Cover Types Explained
This free calculator uses the Ghana National Insurance Commission (NIC) 2026 motor insurance tariff — the official rates approved for all licensed insurers in Ghana. It covers all vehicle classes: private cars, commercial taxis, Uber/Bolt/Yango hiring vehicles, minibuses, articulated trucks, motorcycles, and government vehicles.
Comprehensive Motor Insurance Ghana
Covers own damage (fire, theft, accident) plus third-party liability.
TPFT — Third Party, Fire & Theft
Covers fire damage and theft to the insured vehicle, plus third-party liability. A cost-effective middle-ground for older vehicles not worth paying full comprehensive cover premiums.
Third Party Only Insurance Ghana
The legal minimum required under NIC Ghana regulations. Covers injury or damage caused to third parties. Premium is a fixed NIC tariff amount per vehicle class — not based on vehicle value.
No Claims Discount (NCD) in Ghana
NCD is a reduction in your motor insurance premium for each claim-free year. Under the Ghana NIC tariff, private vehicles can earn up to 50% NCD after 5 claim-free years. Commercial vehicles earn up to 25%. An NCD certificate from your previous insurer is required to apply it at renewal.
NIC Statutory Contribution — GHS 79
Every motor insurance policy in Ghana includes a mandatory NIC statutory contribution of GHS 79. This is fixed and is never discounted or pro-rated, even for short-period policies.
Results are indicative based on the NIC 2026 motor tariff.