Ghana card mandatory for motor insurance from January 2026

The National Insurance Commission (NIC) has announced a new regulatory requirement that will make the Ghana Card mandatory for the purchase or renewal of all motor insurance policies.

The effective date it says is January 1, 2026.

The directive, which applies nationwide, forms part of broader reforms aimed at tightening oversight within Ghana’s insurance industry and reducing fraudulent practices. Under the new policy, individual motorists will be required to present their Ghana Card when transacting motor insurance business, while corporate clients must also provide their Tax Identification Number (TIN).

In a public notice, the Commission stated: “The National Insurance Commission (NIC) wishes to inform all motorists that effective January 1, 2026, the Ghana Card would become a mandatory requirement when purchasing or renewing any motor insurance policy.” The notice further clarified that “corporate clients are also required to provide their Tax Identification Number (TIN) when completing motor insurance transactions.”

According to the NIC, the introduction of the Ghana Card as a mandatory identifier is intended to strengthen identity verification processes across the insurance value chain. The Commission explained that the measure would enhance the reliability of customer data and improve regulatory compliance within the sector.

The NIC indicated that the policy is expected to support several key objectives, including improving claims processing, strengthening Know-Your-Customer (KYC) and Anti-Money Laundering (AML) compliance, reducing insurance fraud, and aligning Ghana’s insurance operations with international best practices.

Motorists have therefore been advised to prepare ahead of the implementation date to avoid disruptions when the policy comes into force. “Please present your Ghana Card at all motor insurance sales points,” the Commission urged, while encouraging corporate policyholders to ensure their TIN details are readily available to prevent delays.

The Commission stressed that the directive is part of a wider modernisation agenda designed to improve transparency, protect policyholders, and enhance public confidence in the 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 the long-term development of Ghana’s insurance sector.