Motor Insurance

There are various Motor Vehicles insurances for all categories of vehicles - Cars, Trucks, Tankers, Pick Ups and Forklifts.
The insurance can be taken under the following headings.

(c) THIRD PARTY COVER- This policy is mandatory by the Road Traffic Act 1958 (Act 42).


The vehicles insured under comprehensive benefits will cover:

i.  Loss, damage or destruction of the vehicles themselves from accidental collision, overturning fire and theft.
a. Liability to Third Parties:
ii. Involving death or bodily injury to any person caused by the insured vehicles.


iii. For damage to third party property caused by the use of the vehicles. The statutory limit for damage to third parties’ properties is GH¢2,000.00. However, we recommend that an increase limit be applicable, for a marginal increase in premium, to ensure adequate protection.                



The material damage cover is restricted to only fire and theft cover.  In addition, third party liabilities are also covered. (C) THIRD PARTY ONLY

The insurance here is restricted to third party risks only, as explained under (A) above. 




Premiums are computed basing the calculation on the values of the vehicles and the Third Party Property Damage limits chosen. The basic market rate for a comprehensive motor insurance cover is between 5 – 7 percent of the value of the vehicle.                                                                                                              



A decision as to the most suitable cover to choose will be made in consultation with the insured. We would need a list of all vehicles and their respective values to enable us obtain quotations.

To enable us seek quotations for your consideration, we would appreciate receiving the following information:

Additionally, any documentation indicating discounts earned from current insurers would be very much appreciated.

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Risk & Insurance Products

Health Insurance

Health insurance is a type of insurance coverage that covers the cost of an insured individual's medical and surgical expenses.

Life Insurance

Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a designated beneficiary an agreed sum of money upon the occurrence of the insured person's or persons death in return for the payment of a premium.

Prudential Group Life Insurance

Group Life Insurance assures employees that in the unlikely event of death, disability or critical illness, a multiple of their annual salary will be provided to their beneficiaries as a replacement income.

Travel Insurance

This policy provides financial relief to International travelers for medical expenses and hospitalization abroad, delayed departure, location and forwarding of baggage and personal effects,

Contractor's All Risk Insurance

This policy promises to indemnify the insured in respect of loss, damage or destruction of any of the contract works both temporary and permanent while in the cause of construction or whilst on the contract site etc

Bankers Indemnity Insurance

The policy indemnifies the insured for all losses sustained and discovered in the manner described here below within the period of insurance.

Directors & Officers Liability Insurance

Bad business decisions by directors and mangers are likely to attrac the increased attention of shareholders and other third parties who are looking to recover losses.

Group Funeral

The objective of this plan is to insure the obligations of the employer in the unlikely event of an employee's death.

Enterprise Living Plus Plan

The Enterprise Living Plus Plan is a “one-stop life insurance solution product” specifically designed to meet both the death and survival needs of the middle-class market.

Personal Insurances

Whether for your house, contents, vehicles or personal properties, WESTOM Insurance Brokers can help you to create bespoke solutions for your personal insurance need

There will be no need of insurance if we are living in a perfect world. Our cars,businesses, properties and homes will remain undamaged