The National Insurance Commission has announced that the Ghana Card will become a mandatory requirement for the purchase or renewal of all motor insurance policies from January 1, 2026, as part of measures to strengthen regulation and curb fraud in the insurance industry.
In a public notice issued by the Commission, the regulator said the new directive applies to all motorists nationwide, while corporate clients will also be required to provide their Tax Identification Number when completing motor insurance transactions.
“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 stated. It added that “corporate clients are also required to provide their Tax Identification Number (TIN) when completing motor insurance transactions.”
According to the NIC, the policy is aimed at improving the efficiency and integrity of insurance operations, particularly in the area of identity verification. The Commission said the initiative would help “improve claims handling,” “strengthen Know-Your-Customer (KYC) & Anti-Money Laundering (AML) compliance,” “reduce fraud,” and “align Ghana with global financial service standards.”
The Commission directed all motorists to comply with the new requirement at insurance outlets across the country. “Please present your Ghana Card at all motor insurance sales points,” the notice said, while corporate customers were urged to ensure their TIN details are readily available to avoid delays in processing.
The NIC stressed that the move forms part of broader insurance sector reforms intended to enhance transparency and protect policyholders, as the regulator continues efforts to modernise Ghana’s insurance industry.
The notice was signed by the acting Commissioner of Insurance, Dr Abiba Zakariah, who reiterated the Commission’s commitment to regulation, consumer protection and industry development.
