Young Africans for Opportunities (YAFO), a research organization has called for the abolishing of third party insurance and categorization of comprehensive insurance for utmost benefit of Car owners and Operators. This forms part of recommendations from the 2022 ‘Driver Mo’ Report recently launched by the YAFO in Accra. As part of its advocacy work, YAFO last year set out to work on the Driver Mo Report. The general objective of the study was to ascertain vehicle insurance experiences in Ghana. The research focused on the perception of vehicle insurance while ascertaining the current level of insurance access. The ‘Driver Mo’ report was based on exclusive research based on vehicle insurance advocacy in Ghana. The report also aimed at stopping alleged police harassment of drivers, and igniting driver behavioral changes by advocating for better vehicle insurance policies that are market-driven and responsive to the needs of drivers. Project Lead for YAFO, Nathaniel Dwamena, told journalists on the sidelines of the launch event that the report would help transform the motor vehicle insurance industry in the country. Presenting the findings of the research, Dwamena who is also the President of YAFO admonished insurance companies in the country to provide incentives that promote good driving. He said the report detailed the performance of some insurance companies, alleged police harassment, and fraudulent dealings of some insurance companies that needed to be investigated. Also, the report noted that most Ghanaians – about 82% often do not have an interest in filing complaints or reporting for reasons attributed to a bureaucratic delay in the processing, amounting to being awarded an insurance claim, and the perceived unwillingness of the insurance companies to pay for claims.

1. DRIVER MO REPORT 2022: EXPLORATORY
RESEARCH ON VEHICLE INSURANCE
EXPERIENCES IN GHANA
PRESENTATION BY NATHANIEL DWAMENA,
PRESIDENT, YAFO

2. PRESENTATION OUTLINE
• Introduction
• About Driver Mo
• Report Journey
• Report Objective
• Methodology
• Findings
• Conclusions & Recommendations

3. INTRODUCTION
• Motor/Vehicle insurance is a contract in which the insurer bears the risk of
any loss incurred by the owner or operator of a car as a consequence of
property or person damage in the event of an accident.
• There is a need to securing the future through insurance.
• Vehicle insurance is more than just compensating loses but also an
incentive for controlling losses that significantly benefit society as a whole.

4. ABOUT DRIVER MO
• Determinants of insurance influence the
purchase. Education, price of insurance,
natural factors, level of income and taste and
preference are among top five determinants.
• What influences vehicle insurance? Is it
market driver or coercion?
• ‘Driver Mo’ project is a research-based
vehicle insurance advocacy campaign in
Ghana.
REPORT JOURNEY
• The Driver Mo commenced March, 2022
• Research & Data Collection
• Stakeholders Engagement
• Report Review and Foreword by Prof.
Enoch Opoku Antwi
• Conclusion of Report & Launch

5. OBJECTIVE
The general objective of the study is to ascertain vehicle insurance experiences in Ghana.
Specific objective include;
 Assess driver’s and passenger’s perception of vehicle insurance and ascertain the current
level of insurance access.
 Identify the structural bottlenecks when clients are assessing vehicle insurance claims
and the related value of the claims/rewards
 Explore the level of confidence in insurance and experience with claim processes.

6. METHODOLOGY
A mixed method was employed to achieve the study objective with a cross
sectional survey, designed for the 16 regions of Ghana. A multistage
sampling method was used involving purposive and snowballing sampling
methods.
• The sample size constituted 2318 with a margin of error being 0.05%
• The data was analyzed using both qualitative and quantitative tools.
• Data was collected between March – May, 2022

7. FINDINGS
The finding will be presented under the following themes
• Demographics
• driver’s and passenger’s perception of vehicle insurance and ascertain the current
level of insurance access
• structural bottlenecks when clients are assessing vehicle insurance claims and the
related value of the claims/rewards
• Explore the level of confidence in insurance and experience with claim processes.

8. DEMOGRAPHICS
Men dominant vehicle ownership
in Ghana and partly due to
registration in Father’s or
husband’s name.
90%
10%
Gender Distribution of Drivers
Men Women
36%
28%
27%
9%

9. DEMOGRAPHICS
Ghanaian drivers in major cities/urban
regions including Accra, Ashanti, Central,
Northern and Western use driving schools
as a mode of learning to drive.
Females (80%) dominated the approach of
going to driving school when compared to
men (26%).
23%
56%
19%
2%
Driver’s License Holders And
Learning To Driver
Driver School Apprenticeship/Friends Self-taught others
0.73
3.36
1.38 1.68
2.59 2.63
3.75
1.38
2.59 2.80
1.12 1.21 1.08 1.29
3.58
1.21
3.93
1.64
3.02
3.67 1.90
2.46
1.38
3.80
2.24
2.33
2.63
3.28 3.28 3.02
2.16
3.11
1.51
1.34
1.90
0.39 1.81
1.25 1.34 1.04 1.42 1.04
2.46
1.73 1.81 1.81
0.56
1.73
0.00
0.04 0.00
0.47
0.00 0.00 0.00
0.00 0.00 0.00 0.13 0.00 0.00 0.00 0.00
0.00
0.00
1.00
2.00
3.00
4.00
5.00
6.00
7.00
Mode of Learning how to Driving by Regions
Driving school Apprenticeship Self-thought Others
73%
19% 8%
-10%
10%
30%
50%
70%
90%
Valid Subscription Expired Vehicle
Insurance
Others
Valid Vehicle Insurance Stickers at
the Time of Interviews

10. 5.18
5.78
5.09
5.69
5.39
5.26
6.04
5.39
4.49
4.75
5.05
4.92
5.18
5.09
4.36
4.10
0.35
0.35
0.39
0.26
0.43
0.30
0.13
0.22
0.69
0.52
0.56
0.65
0.69
0.82
0.65
0.43
0.65
0.26
0.82
0.26
0.47
0.78
0.30
0.60
1.08
0.91
0.73
0.65
0.30
0.22
1.29
1.51
0.00 1.00 2.00 3.00 4.00 5.00 6.00 7.00
Ahafo
Ashanti
Bono
Bono East
Central
Eastern
Greater
North East
Northern
Oti
Savannah
Upper East
Upper West
Volta
Western
western-North
Regional Distribution of Drivers with License
Yes, but expired No Yes
5.09
5.52
5.09
5.61
5.61
4.18
5.61
3.67
4.18
3.97
3.67
4.23
3.71
3.80
4.75
4.23
0.00
0.09
0.00
0.00
0.00
0.86
0.22
0.99
0.78
0.78
0.52
0.82
0.95
0.69
0.47
0.73
1.08
0.78
1.21
0.60
0.69
1.29
0.65
1.55
1.29
1.42
2.16
1.16
1.51
1.64
1.08
1.08
0.00 1.00 2.00 3.00 4.00 5.00 6.00 7.00
Ahafo
Ashanti
Bono
Bono East
Central
Eastern
Greater Accra
North East
Northern
Oti
Savannah
Upper East
Upper West
Volta
Western
Western-North
Subscription of Motor Vehicle Insurance by
Regions
Yes No Yes, but expired
The acquisition of a driver’s
license (90%) was higher
than valid vehicle insurance
(84.9%) across all regions
The expiration rates without
renewals were high for
vehicles insurance at 14%
and 7.7% for driver’s
licenses.
Ghanaian renew their driver’s
license faster than vehicle
insurance

11. PERCEPTION OF VEHICLE
INSURANCE AND THE
LEVEL OF INSURANCE
ACCESS
Ghanaians bemoan comprehensive
insurance as expensive compared to
income levels
0.78
1.73
0.65
0.56
1.73
1.29
1.81
0.69
0.86
0.78
1.55
0.99
0.65
0.73
1.34
1.08
5.39
4.53
5.65
5.61
4.57
5.05
4.44
5.52
5.31
5.26
4.75
5.22
5.52
5.35
4.92
4.96
0.00
0.13
0.00
0.04
0.00
0.00
0.22
0.00
0.09
0.13
0.04
0.00
0.00
0.04
0.04
0.00
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
Ahafo
Ashanti
Bono
Bono East
Central
Eastern
Greater
North East
Northern
Oti
Savannah
Upper East
Upper West
Volta
Western
Western-North
Distribution of Vehicle Insurance Products by Region
Comprehensive Third Party Others
7.44%
15.70%
3.97%
72.89%
0.00% 20.00% 40.00% 60.00% 80.00%
Yes
Sometimes
Often times
No
Do you default in premium payment?

12. 18.10%
32%
37.70%
6.50%
1.20%
4.50%
0.00% 10.00% 20.00% 30.00% 40.00%
To satisfy regulatory requirement/Law
To prevent police
harrassment/disturbance/arrest
Because it is Mandatory/ by force/
Compulsory
To safeguard against unforeseen
circumstances/Compensated when there is
an accident
Beacuase of benefits attached to vehicle
insurance policy
It is Important
Why do you pay for your motor vehicle insurance?
66.7%
8.3%
6.2%
5.8%
5.3%
4.3%
1.7%
1.4%
0.4%
0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0%
Paid bribe to the Police
Talked my Way Out
Pleaded and Promised to Renew my Vehicle
Insurance
Verbal Caution by Police
Sent to Court by Police
Contacted Car Owner to Intervene
Politician/ Prominent man Intervene for me
Threaten to Take me to Police Station
They didn't know I was a police officer until
they saw my card
How did you overcome the police harassment? (optional)

13. 63%
32%
15%
0% 10% 20% 30% 40% 50% 60% 70%
No Benefits
Benfits
Neutral
Benefits of Vehicle Insurance to Vehicle Owners/Drivers
69%
8%
23%
0% 10% 20% 30% 40% 50% 60% 70% 80%
No Idea
Having Knowldege
Not Sure
Benefit of Vehicle Insurance to Passengers

14. STRUCTURAL
BOTTLENECKS
WHEN CLIENTS ARE
ASSESSING VEHICLE
INSURANCE CLAIMS
Most Ghanaians (82%) often do not have the
interest in filing complains or reporting for
reasons attributed to a bureaucratic delay in
the processing amounting to being awarded an
insurance claim, and the perceived
unwillingness of the insurance companies to
pay for claims.
63%
32%
5%
DRIVERS/VEHICLE OWNERS' LITERACY ON CLAIM
PROCEDURE
No Knowledge on Documents for Claim Varied Opinions N/A
You will need the car
papers, claim documents
to sign after presenting
the insurance paper
Some Doctor’s reports,
police comment, driver’s
statements describing what
happened and insurance
paper
Driver’s license,
insurance
certificate, police
commentary
report
Car documents,
insurance certificate,
I.D card, witnesses’
testimony, police
report.

15. 45%
9%
8%
38%
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
50%
1-2 Months 3-5 Months 6-12 Months Applied but Never
Received any Claims
Time/Duration of Processing Claim Rewards
56
37
7
0
10
20
30
40
50
60
Forth Night 4 Weeks Others
How fast you want your insurance claim to be
processed
Ghanaians (97%)
want vehicle
insurance claim to
be processed in less
than a month.

16. LEVEL OF
CONFIDENCE IN
INSURANCE AND
EXPERIENCE WITH
CLAIM PROCESSES
The gap between SIC and Star Assurance
is 6.8%; and that demonstrates the fact
that Ghanaians have a high level of trust
for state-owned vehicle insurance
companies.
16.3
9.5
8.3
7.6
5.9
5.7
5.3
5.1
5.0
4.7
3.3
2.9
2.9
2.5
2.4
1.9
1.9
1.8
1.5
1.5
1.4
1.2
1.2
0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0
SIC
Star Assurance
Enterprise Insurance
GLICO
Phoenix Insurance
Priority Insurance
Prime Insurance
Vangard Insurance
Hollard Insurance
Sunu Insurance
Premium Insurance
Provident Insurance
Allianz
Saham Insurance
Equity Assurance
Donwell Insurance
Unique Insurance
Coronation Insurance
Senere Insurance
Cosmopolitan Insurance
Loyalty Insurance
Bedrock Insurance
Millinium Insurance
Which of the Vehicle Insurance companies do you trust their services

17. 16.4
11.8
35.6
2.7
3.8
1.2
5.5
1.6
5.5
11.0
3.3
1.6
0.0 5.0 10.0 15.0 20.0 25.0 30.0 35.0 40.0
Longevity & Good Reputation
Friends Recommendation & Testimony
It belongs to the Government
Quick Claim Payment
They are Truthful and Reliable
Good Customer Relation
Simple Claim and Renewal Process
It’s the only Insurance Company in my District
Easy to Access and Online Service
Affordable & Excellent Service
Normal and Manageable Services
Preference
Overall Reasons for Trusting Insurance Companies

18. 19.4
17.0
29.1
4.9
3.4
11.2
4.4
10.2
0.5
0.0 5.0 10.0 15.0 20.0 25.0 30.0 35.0
Longevity & Good Reputation
Friends Recommendation & Testimony
It belongs to the Government
They have Offices Nationwide and Close to me
Quick Response to Compliants and Claim
Payment
Reliability & Excellent Service
Convinient & Affordable Product
They are Truthful, Kind and Good Customer
Relation
Educate me about Insurance
Reasons for Trusting SIC
7.2
15.5
4.1
4.1
15.5
11.3
2.1
4.1
15.5
2.1
8.2
10.3
0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0
Nearness of Office
Affordable and Flexible Payment System
Good Customer Relation
Quick Response to Compliants and Claim
Payment
Friends Recommendation & Testimony
Unique and Best Service
Reliable & Committed
Truthful
Simple Claim and Renewal Process
Longevity
Preference
Easy to Access & Online Service
Reasons for Trusting Star Assurance

19. RECOMMENDATIONS
• Vehicle insurance providers should provide incentives that promotes good
driving.
• Digitize the issuance of insurance stickers.
• Abolish the third party and categorize comprehensive insurance.
• End the police harassment.
• Build trust between the insurers and vehicle insurance subscribers.

20. CONCLUSIONS
• Vehicle insurance is not purchased for the benefits but to prevent police harassment.
• Policy holders do not report for claim during eventuality. Ghanaians associated lack of
reporting for claims to a huge perception of not getting compensated by the insurance
company in the event of accident.
• Most vehicle insurance policy holders are not aware of the documents needed to
access claims
• There is a low passenger literacy rate on how motor/vehicle insurance policies protect
them.