Motor Insurance

Peace of mind always with QIC motor insurance.

Other Products

Our Motor insurance covers you for the loss or damage caused to your automobile or its parts due to natural and man-made calamities. It provides accident cover for individual owners of the vehicle while driving and also for passengers and third party legal liability.

Cover options

Kingly & Queenly

Unlike your standard Comprehensive Insurance policy that reacts only at the time of an accident, Kingly & Queenly Comprehensive Motor Insurance Policy was designed to provide the following benefits in addition to the standard Comprehensive Insurance benefits at a fee.

  • Provision of an alternative means of transport (courtesy car) whilst your vehicle is being repaired after an accident. The number of days you may have access to the courtesy car shall be contingent upon the number of days you select and pay for at the onset of the policy.
  • Provision of towage for your accident vehicle.
  • Provision of reminders for roadworthy and driver’s license renewals so as to make sure our insured’s are always on the side of the law.

Motor Comprehensive

Comprehensive Motor insurance cover provides the best all round protection for your vehicles.

It is a combination of the third party, third party fire and theft and accidental damage.

Golden Age Comprehensive Motor Insurance

Nearing retirement after having paid your dues to society calls for more specialized services, and this is what Golden Age Comprehensive Motor Insurance seeks to offer the Baby Boomers Generation.

Quality Insurance Company Limited (QIC) has introduced “Golden Age Comprehensive Motor Insurance Policy” to cater for people born between 1946 to 1964, known as “Baby Boomers” The Baby Boomers generation makes up a substantial portion of the world's population, and during their youth, they redefined the world by having a remarkable influence over culture today. From important events in the 1960’s and 1970’s to unbelievable innovation in communication, technology and media, this generation has truly seen it all.

In Ghana today, Baby Boomers are either retired or reaching retirement and face some key challenges, most prominent of them being boredom before and during retirement.  Quality Insurance Company Limited, by developing Golden Age Comprehensive Motor Insurance Policy seeks to redefine ageing for Baby Boomers with a spirit of creativity and the hope that the best years are yet to come.

Golden Age Comprehensive Motor Insurance Policy provides free non-insurance benefits such as;

  • 24-hour on-call services.
  • Guaranteed courtesy car at the time of a claim
  • Covers the third party’s car you involve in an accident with
  • Facilitation of home medical laboratory services
  • Automatic renewal of policy at expiry

Golden Age Comprehensive Motor Insurance Policy will also encourage Baby Boomers to redefine ageing by facilitating and encouraging people who sign on to start or polish life-long interests and hobbies such as painting, swimming, piano lessons, shooting lessons, vacation and leisure, horse riding etc.

Golden Age Comprehensive Motor Insurance Policy by QIC: “Redefining Ageing”


Motor Third Party - Fire & Theft

This is an extension of the Third Party Cover. It provides indemnity for loss of or damage to the insured vehicle occasioned by Fire or Theft. It does not however, cover other accidental damage to your vehicle itself, e.g. Collision, overturning etc.

Third Party Only

This is the minimum motor allowed under the ACT of 1958.

Injury or death to third parties i.e. persons in a car which impacts with your car or pedestrians who are knocked down due to negligence on your part or on the part of your driver.

It does not cover other accidental damage to your vehicle itself, e.g. Collision, overturning etc.

Scope of Cover

The policy covers:

  • Accidental Damage to the Insured vehicle caused by or arising out of accidental collision or overturning or collision or overturning due to mechanical breakdown or wear and tear.
  • Total loss of vehicle due to accident
  • Covers the third party’s car you involve in an accident with
  • Fire external explosion, self-ignition or lightning
  • Theft, Burglary, House breaking
  • Malicious Act
  • Flood, Storm, Hurricane, Volcanic Eruption, Earthquake or
  • Other convulsion of Nature, Strike, Riot and Civil Commotion.

Other benefits of the Comprehensive cover:

  • Repair partial damaged vehicles
  • Pay for total loss vehicles
  • Refund of reasonable towing costs
  • Payment of basic first-aid costs for injuries by insured and other occupants as a result of an accident
  • Liability to third parties. Third Party Liability to property is GH¢ 5,000.00 whiles liability to injuries or death is unlimited