The National Insurance Commission (NIC) has announced that, effective January 1, 2026, the Ghana Card will become mandatory for the purchase and renewal of all motor insurance policies in the country. The directive forms part of broader efforts to tighten regulation and curb fraud in the insurance sector.
In public notice, the Commission indicated that the new requirement applies to all motorists nationwide. It added that corporate clients will, in addition, be required to provide their Tax Identification Number (TIN) when undertaking any motor insurance transaction.
“The National Insurance Commission (NIC) wishes to inform all motorists that, effective January 1, 2026, the Ghana Card will be required for all motor insurance purchases or renewals,” the notice stated. “Corporate clients must also provide their TIN when conducting motor insurance transactions.”
According to the NIC, the measure is designed to improve the efficiency and integrity of insurance operations, particularly in the area of identity verification. It is expected to enhance claims processing, strengthen Know-Your-Customer (KYC) and Anti-Money Laundering (AML) compliance, reduce fraud, and align Ghana’s insurance market with international financial standards.
Motorists have been advised to present their Ghana Card at all insurance outlets, while corporate clients are urged to have their TIN details readily available to avoid delays in processing.
The Commission emphasized that the policy is part of wider reforms aimed at enhancing transparency, safeguarding policyholders, and modernizing Ghana’s insurance industry. The notice was signed by the Acting Commissioner of Insurance, Dr. Abiba Zakariah, who reaffirmed the NIC’s commitment to effective regulation, consumer protection, and sustainable sector growth.
Story by: Mercy Addai Turkson #ahotoronline.com