Personal Products

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Motor Insurance

Get motor insurance that is flexible, as well as affordable

Motor Third Party

Ghanaian law stipulates in the Motor Third Party Act of 1958 that all vehicle owners must have cover that provides unlimited bodily injury and death compensation to third parties such as occupants, fare-paying passengers and pedestrians.

Our Motor Third Party cover includes this plus emergency treatment and personal accident for the insured or driver and occupants of the vehicle. Damage to third party property is also covered up to a predetermined limit.

Third Party Fire and Theft

This car insurance option provides cover for loss of or damage to your vehicle as a result of theft or fire, as well as third party liability cover. This means that if you are involved in an accident with a third party which was deemed your fault, Provident will cover the costs of any claims made by the third party against you.

Comprehensive

The most all-inclusive motor insurance package we offer, comprehensive car cover protects you from anything that could go wrong with your vehicle. From accidents to overturning, theft to fire, we will protect your vehicle and your wallet from unexpected events.

Our comprehensive motor insurance provides protection against the following:

  • Accidental collision or overturning
  • Fire, external explosion, self-ignition or lightning
  • Theft, burglary, house-breaking and malicious acts
  • Floods, storms, earthquakes, riots, strikes and civil commotion
  • Property damage, injury and death to third parties for which you may be legally liable

Burglary Insurance

Cover yourself against a burglary in your home

Crime may or may not be on the rise in the neighbourhood where you live, but you should still be prepared. Even with the most high-tech security measures in place, your home may be a target for a burglary. Having electronic equipment, jewellery and other things stolen from out of your house is a horrible experience, and the costs involved in replacing these possessions can be huge. Our burglary insurance compensates you for the loss or damage of your personal property as a result of an actual theft or attempted break in. Get a quote for a tailored insurance policy that covers burglary, theft or robbery.

Burglary Insurance Cover

We will cover the cost of replacing your personal items if there is actual forcible or violent breaking into or exit from your home or any other insured premises. We will also cover the damage to your insured premises as a result of this forcible entry or exit.

Burglary and Theft Insurance Exclusions

Our policy does not cover the following:
  • Loss or damage done by someone who is lawfully on the premises, such as an employee or friend
  • Loss or damage that happens while your premises are left empty or without a caretaker for a continuous period exceeding four consecutive days

Personal Accident

Insure your lifestyle

Being injured in an accident can drastically change life as you know it, as well as the lives of those closest to you. An accidental injury could leave you temporarily or permanently disabled, making it difficult to look after your family not to mention the extra medical expenses you will have. In the event that you lose your life, you will no longer be around to provide for your family and loved ones.

It is important that you are prepared to deal with any major accident or injury that could potentially result in disability or death. When you buy a Provident Personal Accident Insurance Policy you and your family are covered against temporary and permanent disability, and death caused by an injury.

Personal Accident Cover

Our personal injury insurance policy will compensate you if:
  • You are between the ages of 15 and 70
  • You have sustained bodily injury caused by a violent accident of external and visible means
  • The accident has resulted in death, permanent or temporary total disability and corresponding medical expenses
We also offer optional extensions to your cover for these types of accidents:
  • Exposure to elements, starvation and/or thirst
  • Disappearance
  • Burn accidents causing disfigurement
  • An accident resulting in the need for a life support system for more than 2 consecutive days

Personal injuries can adversely affect your earning capacity, daily expenses, well-being and lifestyles of your family in many ways. Our personal accident insurance gives you 24-hour cover, which means you are not limited by the activity you are partaking in at the time of the accident. So you will receive cover regardless of whether you are at work or not when the accident happens.

Whether your business employs factory workers, builders, architects or drivers, the truth is that accidents can happen to your employees at any time. This policy provides compensation for your employees so that if they are involved in an unexpected accident they receive the financial support and security they deserve. And if they pass away, their family will also be well supported.

Our personal accident insurance covers employees between the ages of 15 and 70 years who have sustained bodily injury caused by violent accidental external and visible means resulting in:

  • Death
  • Permanent Disability
  • Temporary Total Disability
  • Medical Expenses
You can also choose to add on the following extensions to your policy:
  • Exposure - to elements, starvation and/or thirst
  • Disappearance
  • Burns Disfigurement
  • Life support system (not less than 3 consecutive days)

Home Owners Comprehensive Policy

Protect your biggest asset against damage from fire, theft, or allied perils.

This is a specially packaged policy that combines both Fire and Allied Perils and Burglary Insurance for House Owners who live in their own houses at a very moderate price.

Our home insurance is designed for middle to upper income earners who are looking for more coverage than our standard fire insurance and allied perils packages offer. We will insure your home in Ghana against damage as a result of fire, allied perils, theft or attempted theft.

We will also cover:
  • Third party liability cover for injury or damage to third party property
  • Damage caused by escape of water or oil from fixed water or heating installations or domestic appliances
  • Your outbuildings, swimming pools, fences, plumbing and other parts of your home.
  • Subsidence and heave of the site on which the building stands or landslip
  • Compensation for injury or death of indoor servants, gardeners, chauffeurs and security staff under our Workmen Compensation section
  • The cost of alternative accommodation while your building is uninhabitable after an insured event
  • Cover for pedal cycles kept in your home
  • In case the building is destroyed and need to be rebuilt, architects and surveyor fees, clearance costs and costs incurred to comply with local authority requirements
  • All Risks insurance is provided for personal effects within the insured building.
  • Liability for death or injury to third parties or damage to their property.

Additional Benefits under the policy include FREE COVER for:

  • RENT
  • INSURED S PERSONAL LIABILITY
  • PERSONAL ACCIDENT FOR INSURED'S DOMESTIC EMPLOYEES
  • PERSONAL ACCIDENT FOR THE INSURED

Fire Insurance & Allied Perils

Cover your possessions against loss or damage from fire and other allied perils.

No matter where you live, unexpected events can affect your home and damage the possessions you have inside it. Windstorms, lightning, floods and fires, and even riots or acts of vandalism. These can happen at anytime, and can involve huge costs to repair your house or replace your belongings. Get a flexible fire insurance quote to guard against fire and allied risks and get the right policy for your needs.

Fire Insurance Allied Risks Cover

Our fire and allied insurance perils policy covers you against the loss or damage of your personal property as a result of fire, lightning, or other allied perils including:
  • Explosions covers domestic explosions and associated fires. This excludes steam generating boilers, economisers or other vessels, machinery or apparatus or their contents resulting from their own explosion or implosion.
  • Windstorms covers complete roofed buildings and contents thereof. This excludes partially constructed building and good stored in the open.
  • Earthquakes or volcanic eruptions - Covers against loss or damage caused either by earthquake shock and fire or volcanic eruption.
  • Burst Pipes - Bursting or overflowing water tanks, apparatus or pipes.
  • Floods - Covers against severe weather conditions that cause loss or damage due to rapid rise in water levels.
  • Aircraft damage and/or articles - Covers loss, destruction or damage caused by aircraft, other aerial or space devices and articles dropped from them. This excluding those caused by pressure waves.
  • Impact damage - Covers loss of or visible physical damage or destruction caused to your insured property due to impact by any rail/road vehicle or animal by direct contact that is not owned by:
    • The insured or any occupier of the premises or
    • Their employees while acting in the course of their employment.

Fire Insurance Optional Benefits

Our house fire policy also offers optional cover:
  • Direct loss or damage to your property that is caused by strikers and/or riots.
  • The loss or damage to your property caused by any malicious act.

Fire & Burglary Insurance Combined

Insure your lifestyle

Being injured in an accident can drastically change life as you know it, as well as the lives of those closest to you. An accidental injury could leave you temporarily or permanently disabled, making it difficult to look after your family not to mention the extra medical expenses you will have. In the event that you lose your life, you will no longer be around to provide for your family and loved ones.

It is important that you are prepared to deal with any major accident or injury that could potentially result in disability or death. When you buy a Provident Personal Accident insurance policy you and your family are covered against temporary and permanent disability, and death caused by an injury.

Personal Accident Cover

Our personal injury insurance policy will compensate you if:
  • You are between the ages of 15 and 70
  • You have sustained bodily injury caused by a violent accident of external and visible means
  • The accident has resulted in death, permanent or temporary total disability and corresponding medical expenses
We also offer optional extensions to your cover for these types of accidents:
  • Exposure to elements, starvation and/or thirst
  • Disappearance
  • Burn accidents causing disfigurement
  • An accident resulting in the need for a life support system for more than 2 consecutive days

Personal injuries can adversely affect your earning capacity, daily expenses, well-being and lifestyles of your family in many ways. Our personal accident insurance gives you 24-hour cover, which means you are not limited by the activity you are partaking in at the time of the accident. So you will receive cover regardless of whether you are at work or not when the accident happens.

Whether your business employs factory workers, builders, architects or drivers, the truth is that accidents can happen to your employees at any time. This policy provides compensation for your employees so that if they are involved in an unexpected accident they will receive the financial support and security they deserve. And if they pass away, their family will also be well supported.

Our personal accident insurance covers employees between the ages of 15 and 70 years who have sustained bodily injury caused by violent accidental external and visible means resulting in:

  • Death
  • Permanent Disability
  • Temporary Total Disability
  • Medical Expenses
You can also choose to add on the following extensions to your policy:
  • Exposure - to elements, starvation and/or thirst
  • Disappearance
  • Burns Disfigurement
  • Life support system (not less than 3 consecutive days)

Need to discuss a plan in more detail

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