National Insurance Commission, Ghana

National Insurance Commission, Ghana


Good morning I have a policy with esich life insurance and I am due since last year 2020, I went to their Kasoa office and Lapas office but they are all closed and I decided to seek an advice from you please really need your help
Gc 3081 -19
Please Directorate of National Insurance Commission Enterprise life Assurances need ur update and Certification for their trainees and Staff of their Staff"s
Pls what are u doing for the customers of Esich life insurance whose money have been lock for close to one year.
If you have a policy with any insurance company when can it be terminated?
Please I'm Serwaa Beatrice n will like to lodge a complain about Downwell insurance company. I already have a policy with an amount of 25gh. Last year in August, it raised to 105gh which to them I've signed up a new policy which I. I went to their office in Sunyani n filled a form hoping that de deduction will stop but up till now, de deduction is on-going. Please any help
Will like to find out what exactly is happening to clients of ESICH LIFE ASSURANCE. Since no communication comes out to clients of the company and this is killing the life INSURANCE sector. So is there a life cover attached to the policies of clients running eve when those that have matured since last year have not been paid and mostly hidden charges and excuses been charged to client policies at maturity processing and surrender. How can someone continue paying money on an insurance policy when he or she does not know exactly when I will be paid and what happens to my dependants when something happens to me?
I did policies with Esich insurance company and surrender,for six months i not receive my money. I have reported to national insurance commission for one month and no good news,hmmmm, mother Ghana,who should we trust...
please i want to know if its possible to take a life insurance policy with more than one insurance company,especially funeral plan? And what happens should the unfortunate happened

Welcome to the official page of the National Insurance Commission (Ghana).For inquiries contact [email protected] The National Insurance Commission (NIC) was established under Insurance Law 1989 (PNDC Law 227) , but now operates under Insurance Act, 2006 (Act 724).

Operating as usual


Insurance industry gives blood to stock blood banks.

Insurance industry gives blood to stock blood banks.




Motor insurance Database


Fire Destroys; Insurance Restores


Kumasi circuit court has convicted two Insurance fraudsters for selling fake insurance stickers.

Kumasi circuit court has convicted two Insurance fraudsters for selling fake insurance stickers.


GhanaWeb, 404 Not Found

NIC Releases List of Insurance Companies in Good Standing;
Check this out on GhanaWeb:

24/11/2020 06/11/2020

Spotlight on Justice Ofori, Commissioner of Insurance

Spotlight on Mr Justice Ofori, Commissioner of Insurance The Honour: ‘Ever since you assumed the position of the Commissioner of Insurance and Chief Executive Officer of the National Insurance Commission…your achievements, key among which is the introduction of the Motor Insurance Database (MID) to... 18/06/2020

NIC Ghana Official (@nicgh1) | Twitter

Hello Everyone,
You can follow NIC on twitter for all the latest updates from the insurance regulator.
Click on the link below. The latest Tweets from NIC Ghana Official (@nicgh1). The object of the Commission, is to ensure effective administration, supervision, regulation and control the business of Insurance in Ghana


Motor Insurance Database - To Verify the Validity of your Insurance


National Insurance Commission, Ghana's cover photo

[01/28/20]   Motor Insurance Database

Motor Insurance Database which will be a central database that that holds information on every insured vehicle in Ghana.
The Motor insurance database would be able to:
1) Easily verify if a vehicle is insured
2) Aid the Police in checking the authenticity of Motor Insurance stickers
3) Make available the verification of Motor Insurance stickers by the General Public
4) Help in the confirmation of insurance purchase.
The Motor Insurance Database is expected to:
1) Reduce the number of uninsured vehicles on the road
2) Tackle the menace of fake stickers
3) Central Source of Information for all vehicle related issues.

Confirmation Texts
Upon the purchase of a valid Motor Insurance Policy, the insured will receive a text message confirming that the Motor Insurance policy is authentic.

A sample of the confirmation text message:

Status: Insured
Class: Comprehensive
Period: 01/01/2020 to 31/12/2020
Company: ABC Insurance Company
Reg.: GT-7771-17
Premium: GHS 00,000.00
From: National Insurance Commission

Authenticity of a Motor Policy
Verify the authenticity of a Motor Insurance Policy by dialing a USSD code as follows:
Dial *920*57# and you will be instructed to enter the registration number of the vehicle you are about to board. The information you will receive on your phone will give you all the details of the vehicle.
A sample has been displayed below.
Reg.: GT 3456 – 20
Insured? : Yes
Make: Toyota
Model: Matrix
Color: Red
Inception Date: 01/01/2020
Expiry Date: 31/12/2020
Insurer: Name of the Insurance Company
From: National Insurance Commission

QR Code
Please Note
This functionality allows an individual to verify whether a vehicle has a valid insurance before boarding it. The Police can also use this functionality to verify the authenticity of a Motor Insurance Sticker.
QR Code Scan
The MID comes with electronic Motor Insurance Stickers with QR Codes which are generated from the MID Portal. The QR code can be scanned with a QR Code Reader to verify the authenticity of the sticker and for that matter the insurance policy.


IGP Endorses Motor Insurance Database
The Inspector-General of Police (IGP) has commended the National Insurance Commission (NIC) on its bold implementation of the Motor Insurance Database (MID). The objective of the MID is to curb the phenomenon of vehicles with fake motor insurance stickers plying our roads, thus endangering lives and property. He made these is remarks when the top Management of the NIC led by the Commissioner of Insurance, Mr. Justice Yaw Ofori paid a courtesy call on him at the Police Headquarters. Also present at the meeting was the Director-General of the Motor Traffic & Transport Division (MTTD) of the Ghana Police Service, COP Mrs. Beatrice Vib-Sanziri.

In his remarks, the IGP stated that this initiative was long overdue and could not have come at a better time. He bemoaned the carnage on our roads being recorded at such alarming rate barely a few days into the new year as worrisome. IGP Oppong-Boanuh further called on the NIC to expedite action on the training of the Officers, Police Officers of the MTTD on the MID across the Country for a more effective and successful implementation.

In his remarks, the Commissioner of Insurance, Mr Justice Ofori commended the Police for being a key stakeholder in the motor insurance space as regards enforcement without which the industry would have suffered a huge setback. Mr Ofori assured the IGP and for that matter the Police Service of the insurance Industry’s unrelenting support towards an enhanced collaboration.

“The NIC will collaborate with the MTTD as they conduct random checks across the lengths and breadths of the country to rid our roads of uninsured vehicles with fake insurance stickers”, the Commissioner intimated.

It is instructive to note that the number of uninsured vehicles on our roads are not easily detectable by the Police and this has caused many lives and property – a situation that warranted the development and ultimate implementation of this database.
It is expected that this will provide the much needed vehicle for increased insurance pe*******on in the country; thus, contributing to real economic growth.

It would be recalled that the Vice-President of the Republic of Ghana, His Excellency Alhaji Dr. Mahamudu Bawumia made a formal declaration on this all-important digital database in December 2019 and its swift implementation by the NIC is a demonstration of the Regulator’s resolve to ensure consumer protection and prudent solvency of the insurance sector as stipulated in the Article 2 (3) of the Insurance Act 2006 (Act 724) and plugging the loopholes couldn’t have been this timely.
Present at the meeting were other top Officials of the Ghana Police Service and the NIC.

[01/28/20]   The leadership of transport unions has endorsed the initiative by the insurance regulator to implement an electronic insurance database, to check the menace of fake insurance stickers.

The Driver Unions who were moved by their excitement at the news, recently paid a courtesy call on the Commissioner of Insurance at the National Insurance Commission, to find out more about it.

The Union Executives led by Mr Francis Sallah expressed their delight at the move as it has been the headache of the national leadership of the General Transport, Petroleum and Chemical Workers Union (GTPCWU) of the Trades Union Congress (TUC) when their members fall victim to this menace due to fake insurance stickers.
He bemoaned the situation where some of their unsuspecting drivers were cowed into purchasing cheap motor insurance with stickers which looked exactly like the originals.

Reality dawned on these drivers only after they were involved in accidents that warranted a claim which was refused to be honored by the Insurance Companies they were purported to have insurance cover with.
In his response, the Commissioner of Insurance and the Chief Executive Officer of the NIC, Justice Ofori, expressed his appreciation to the leadership of the GTPCWU (TUC), (which is a key stakeholder in the motor insurance space) for such endorsement and saw it as a national embrace of a policy that would help everyone including ensuring the livelihoods of families of accident victims are not curtailed.

The Motor Insurance Database which would be implemented in the first quarter of 2020 will provide a centralized database from which security agencies and the general public including passengers of commercial vehicles can check the validity of an insured vehicle on the spot.
The checks may be done through either a mobile app, a text message or by scanning a code on the insurance sticker. He also stated that the NIC is collaborating with the Driver And Vehicle Licensing Authority (DVLA) and the Police Motor Transport Traffic Department (MTTD) to enable a smooth rolling out of the programme.

In an earlier interview with some victims of fake insurance and non-insurance, Ms Doreen Dodoo, a Teacher shared her experience on how the nation should embrace this move by the NIC that would inure to the benefit of all.
According to her, she was due to renew her motor insurance policy after a year of cover only to be told by the insurance company that she had no cover the previous year.

Upon investigations, it was revealed that indeed she had paid her premium alright but the money was clipped to the counterfoil of her receipt and still lying in the drawers of the Agent who had done the policy for her but failed to have the records of payment updated, she narrated.

“Imagine if anything had happened to me during that period that I was told I didn’t have cover even though I had proof of that. I would have been a victim without any compensation and it is my family that would have been at the receiving end of the consequences of the bad nuts who are perpetrating this menace,” she stated.

Another victim, Mr Christian Bruce also shared his experience and expressed his excitement at the MID policy by the NIC.
According to him, he was ran over by a commercial vehicle and suffered serious head injuries but was told later that the vehicle that knocked him down had fake insurance and for that matter, there was no compensation for him from the insurance company.

He gave his backing to the Motor Insurance Database which he indicated, would make it easy for a motorist to tell at first hand through a mobile phone alert, the moment he or she purchases insurance.
“If this had been in place earlier, I don’t think I would have gone through this hell,” he lamented.

Some driver union leaders and drivers at the 37 and Achimota transport terminals also shared similar experiences and expressed great joy and indicated they cannot wait for this to happen as planned by the NIC as they admonish their colleagues across the country to beware of cheap insurance premiums.

[04/24/18]   What is the reason for taking motor insurance?

Motor insurance has one main objective which is to provide compensation for loss or damage to one's motor vehicle.

There are other uses of motor insurance which are:

i. Providing compensation for injury or death to third parties arising from vehicular accidents
ii. Providing compensation to the car owner in the event of loss arising out of theft of the vehicle or loss from damage caused by fire.

[04/24/18]   Common things to note about Motor Insurance?

 Do not drink and drive.

 Maintain and check your car/vehicle regularly.

 Do not over speed and also respect speed limits on the road.

 Do not carry more persons than allowed by licensing authorities.

 Do not sell or buy your car / vehicle together with Insurance Certificates as it is not transferable.

 Anytime a vehicle changes hands, the validity of the insurance on it ceases with the change

 Check your tyre pressure regularly.

 If you or your relation is involved in an accident and the vehicle is not insured or the insurance
is defective, direct your claim to the National Insurance Commission (NIC).

 If a vehicle knocks you or your relation down and runs away, direct your insurance claim to the NIC.

 In the event of dispute or misunderstanding between you or your insurance company, refer the matter to the NIC.

Untitled Album 19/04/2018

Untitled Album

Untitled Album 19/04/2018

Untitled Album

[04/19/18]   PUBLIC NOTICE: Compulsory Insurance for Private Commercial Buildings

The National Insurance Commission (NIC) wishes to remind the public that it is required of all owners or occupiers of private commercial organisations to obtain the Compulsory Fire Insurance for commercial buildings both completed and under construction, as per Sections 183 and 184 of the Insurance Act 2006, (Act 724).

A private commercial building under the law includes: “Privately owned building to which members of the public visit for the purpose of obtaining educational or medical service, engaging in a commercial activity for the purpose of recreation or transaction of business”.

1. FIRE AND ALLIED PERILS (flood, earthquake, collapse of buildings, storm).
2. Legal liabilities of an owner or occupier of premises in respect of loss of or damage to property, bodily injury or death suffered by all users of the premises and third parties.

Certificate of Insurance with security features will be issued as evidence of the insurance and must be displayed at the insured’s premises. Owners or Occupiers of commercial properties must therefore insist on the issuance of the certificates.

• The National Insurance Commission: 0302 238300 – 1
• The Ghana Insurers Association Secretariat: 0302 251092 – 3
• All Non-Life Insurance and Broking Companies

[04/19/18]   PUBLIC NOTICE: Swaytel Insurance Company Limited

It has come to the attention of the National Insurance Commission (NIC) that, a company by name Swaytel Insurance Company Limited is operating an insurance business without insurance licence.

The NIC wishes to inform the public that it has not licensed any company by name Swaytel Insurance Company Limited and therefore the said company is operating illegally.

The said company is issuing fake insurance policies (cover notes, insurance certificates and insurance motor stickers) to the public, especially, those within the Swedru, Winneba and Cape Coast areas in the Central Region.

All insurance policies issued by the said company are invalid.

The NIC hereby advises the public not to transact any insurance business with the said company or their agents henceforth.

Issued by the National Insurance Commission

[07/20/16]   The Insurance Industry is governed by Insurance Act 2006, ACT 724. This Act complies significantly with the International Association of Insurance Supervisors (IAIS) Core Principles and gives better regulatory powers to the National Insurance Commission.


National Insurance Commission, Ghana's cover photo

[07/20/16]   Welcome to the Official page of the National Insurance Commission (NIC), Ghana.

The National Insurance Commission (NIC) was established under Insurance Law 1989 (PNDC Law 227) , but now operates under Insurance Act, 2006 (Act 724). The object of the Commission, as detailed in Act 724 is to ensure effective administration, supervision, regulation and control the business of Insurance in Ghana. NIC is mandated to perform a wide spectrum of functions including licensing of entities, setting of standards and facilitating the setting of codes for practitioners. The Commission is also mandated to approve rates of insurance premiums and commissions, provide a bureau for the resolution of complaints and arbitrate insurance claims when disputes arise.

Other responsibilities include the provision of recommendation to the sector Minister for policy formulation, supervision of practitioners, enforcement of compliance and public education. The development of strong relationships with regulators from other countries and international bodies such as the IAIS and ensuring the conformity of practitioners to internationally accepted standards are also key mandates of the Commission.


National Insurance Commission, Ghana

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Kumasi circuit court has convicted  two Insurance fraudsters for selling fake insurance stickers.


i. License insurers and insurance intermediaries who transact insurance business in Ghana

ii. In consultation with relevant bodies approve and set standards for the conduct of insurance business and insurance intermediary business

iii. Encourage the development of and compliance with the insurance industry's codes of conduct;

iv. Approve, where appropriate, the rate of insurance premiums and commissions in respect of any class of insurance

v. Provide a bureau to which complaints may be submitted by members of the public for resolution

vi. Arbitrate insurance claims referred to the Commission by any party to an insurance contract

vii. Recommend to the Minister proposals for the formulation of policies for the promotion of a sound and efficient insurance market in the country

viii. Supervise and approve transactions between insurers and their reinsurers

ix. Undertake sustained and methodical public education on insurance

x. Take action against any person carrying on insurance business or the business of insurance intermediaries without a licence

xi. Maintain contact and develop relations with foreign insurance regulators and international associations of insurance supervisors and maintain a general review of internationally accepted ,standards for the supervision of insurers and insurance intermediaries

xii. Supervise, regulate and control compliance with the provisions of this Act and Regulations made under it and any other enactment relating to insurance and

xiii. Perform other functions that are incidental to the carrying out of its functions under this Act.


67 Independence Avenue

Opening Hours

Monday 08:00 - 17:00
Tuesday 08:00 - 17:00
Wednesday 08:00 - 17:00
Thursday 08:00 - 17:00
Friday 08:00 - 17:00
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