Terms of Service

1. Who we are

our platform is an insurance broker operating in Ghana. Ask us for our current National Insurance Commission licence details and we will give you the number on file, which you can verify directly with the Commission.

These terms govern your use of the our platform website, mobile app, and any related services.

2. Our role

our platform is a broker, not an insurer. When you buy a policy through our platform, your insurance contract is with the underwriting insurance company — not with our platform. our platform arranges the cover, services the policy, assists with claims, and is paid commission by the insurer (and disclosed to you).

3. Quotes

Quotes shown on the platform are indicative based on the information you provide. The final premium and acceptance is at the underwriting insurer's discretion. Quotes are typically valid for 30 days; the validity period is shown on each quote.

If your circumstances differ from the information provided (e.g. undisclosed health conditions, prior claims, modified vehicle), the insurer may adjust the premium, add exclusions, or decline cover.

4. Buying a policy

When you accept a quote and pay the premium, you enter into an insurance contract with the underwriting insurer on the terms set out in the policy document. Your policy and certificate are issued to your account as soon as cover is confirmed, and you can download them from the policy at any time. Motor certificates become downloadable once the policy is registered on the NIC Motor Insurance Database.

We give you a 14-day cooling-off period running from the start of cover. Cancel within it and we return your premium less only the days you were actually on risk — there is no cancellation charge. You can do this yourself from your account, on the policy itself: we show you the exact refund before you confirm, and it is then paid back to you.

After the cooling-off period you can still cancel — send us a cancellation request from your account and our team will action it. The refund is the unearned premium for the unexpired part of the term, calculated pro-rata on exactly the same basis. In either case we never return more than you actually paid.

5. Claims

our platform will assist you with the claims process at no charge. The insurer makes the final decision on claim approval and settlement amount. We will keep you informed and advocate on your behalf, but the contractual obligation to pay is the insurer's.

6. Your responsibilities

You agree to: (a) provide accurate information when applying for cover or making a claim, (b) notify us promptly of any material changes (e.g. change of vehicle, change of business activities, new health diagnosis), (c) pay premiums on time, and (d) cooperate with reasonable claims investigation requests.

Misrepresentation or fraud may result in policy cancellation, claim denial, and may be reported to law enforcement.

7. Acceptable use

You may not: (a) use the platform to commit fraud, (b) attempt to access other users' data, (c) interfere with the platform's operation, or (d) use automated tools to scrape, copy, or overload the service.

8. Limitation of liability

To the extent permitted by law, our platform's liability is limited to the broker commission earned on your policy. This does not limit our liability for fraud, gross negligence, or any liability that cannot be limited under Ghanaian law.

9. Complaints

Tell us first, through any of our contact channels or by filing a complaint on this site. We log every complaint in our register, give you a reference, and show you the date we are working to — that target is our own service standard, not a period set by the National Insurance Commission.

If you are not satisfied with our response, you can take the complaint to the National Insurance Commission yourself at any time — NIC Consumer Affairs, https://niccomplaintshub.com. You do not need our permission or our involvement to do so.

10. Governing law

These terms are governed by the laws of the Republic of Ghana. Any disputes will be subject to the jurisdiction of the courts of Ghana.