Motor Insurance Database Ghana | The High Street Business (THSB)

THSB Headlines

May 30, 2026May 30, 2026
How Insurance Companies in Ghana Actually Make Money — Underwriting Profit, Investment Income, and the Three Numbers That Decide If an Insurer Sinks or Swims
May 30, 2026May 30, 2026
Third-Party vs Comprehensive Insurance in Ghana – The Mandated Minimum, the Fraud Tax, and the GH¢18,000 Out‑of‑Pocket Lesson
May 30, 2026May 30, 2026
Why Microinsurance Could Become Ghana’s Next Big Financial Product — 8.5m Lives, GH¢1 Premiums and the Unfinished Business of Reaching 80% of the Workforce
May 27, 2026May 28, 2026
The Rise of Digital Insurance Platforms in Ghana – 8.5m Lives, GH¢35m Claims, and the Unfinished Business of Reaching 98% of the Market
May 27, 2026May 28, 2026
How Insurance Fraud Affects Premiums in Ghana — The GH¢9.2m Daily Payout, the 25% Fraudulent Claim Rate, and the Hidden Tax on Honest Customers
May 27, 2026May 27, 2026
Why Health Insurance Companies Are Expanding Aggressively — The 370% Industry Surge, NHIS Gaps, and the Employer-Based Gold Rush
May 27, 2026May 27, 2026
The Business of Motor Insurance in Ghana Explained — The Third‑Party Mandate, Claim Delays and the Digital Middleman
May 26, 2026May 27, 2026
Why Most Ghanaians Still Don’t Buy Insurance – The Trust Deficit, Affordability Gap and the Slow Digital Fix
May 26, 2026May 27, 2026
Ghana’s Cashless Economy Push Is Reshaping Small Businesses — The Digital Shift, Cost Pressures and the Pockets of Real Change for MSMEs
May 25, 2026May 27, 2026
Why More Young Ghanaians Are Investing in Treasury Bills — The Digital Access, Economic Caution and the Reality of the Gen Z Non-Investor

Third-Party vs Comprehensive Insurance in Ghana – The Mandated Minimum, the Fraud Tax, and the GH¢18,000 Out‑of‑Pocket Lesson

Third-Party vs Comprehensive Insurance in Ghana – The Mandated Minimum, the Fraud Tax, and the GH¢18,000 Out‑of‑Pocket Lesson

Esther Aku-SikaMay 30, 2026May 30, 2026048 mins

Third‑party insurance in Ghana costs GH¢557, while comprehensive runs 5–7% of your car’s value. Our deep‑dive analysis reveals coverage exclusions,…

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