Akoma compares motor, health, property and life policies across Ghana's leading insurers, then handles the paperwork and the claim — whether you're in Osu or Kumasi's Adum. Our fee is paid by the insurer, never by you.
We don't run one national script. Each location below reflects the industries, property types and claim patterns that actually show up in that city.
Ghana's capital and our home base — the country's densest concentration of vehicles, rented property and private-sector employers.
Ghana's second-largest commercial hub and the traditional seat of the Ashanti Kingdom — dense trading markets, heavy commercial vehicle traffic, and fast-growing suburbs.
Ghana's oil and gas capital and its second-busiest port — home to offshore energy contractors, logistics firms and a fast-growing expatriate and professional workforce.
A university town and coastal tourism centre, with a fishing economy along the coast and steady growth driven by education and hospitality.
A transit and trading hub linking Accra to the north, known for its beads market and a fast-growing base of small and mid-sized traders.
Northern Ghana's largest city and fastest-growing urban centre, anchored by agriculture, agro-processing and an expanding trading class.
The Volta Region's capital, with an agriculture-driven economy and cross-border trade links into Togo.
We hold relationships with multiple NIC-licensed insurers, so every quote you get from us is actually a comparison — not a single company's pitch.
Third-party and comprehensive cover for private cars, commercial vehicles and ride-hailing fleets, priced against the legal minimum and matched to how you actually drive.
Individual and family health plans that sit alongside NHIS, covering private hospitals, specialist care and outpatient treatment NHIS doesn't reach.
Protection for homes, rental properties and business premises — increasingly required by banks for mortgage and business loan approval.
Group life and health packages for small and mid-sized employers, set up once and managed on your behalf through every renewal.
Figures above are indicative starting points — third-party motor reflects the NIC-approved 2025 tariff for a private saloon car; health, property and group life figures are typical market starting rates for a modest risk profile. Your exact premium depends on the insurer, vehicle or property value, and risk assessment, which we confirm when comparing quotes for you.
Four steps, most of which happen without you needing to visit an office.
A vehicle, a property, your family's health, or your staff — a five-minute conversation on WhatsApp or by phone is usually enough.
We request quotes across our panel of licensed insurers and lay out the real differences in price, exclusions and claim record.
Once you pick a policy, we manage the proposal forms, payment and documentation directly with the insurer.
If something happens, we advocate for your claim with the insurer. At renewal, we re-check the market before you pay again.
We're licensed as a broker, not an agent of any single insurer — so our incentive is to find you the best fit, not to sell one company's product.
Insurers pay us a commission built into the premium, whether you buy through us or direct. Using a broker costs you nothing extra.
Claims are where policies are actually tested. We manage the documentation and follow-up with the insurer so you're not doing it alone.
Straight answers, without the sales pitch. Get in touch if yours isn't covered here.
Yes. Insurers build broker commission into the premium whether you buy directly or through a broker, so using Akoma costs you nothing extra — you simply get an independent comparison and someone on your side at claim time.
Mandatory third-party motor cover starts from GH₵530/year for a private saloon car under the NIC-approved 2025 tariff (taxis from GH₵637/year). Comprehensive cover starts higher, typically from around GH₵1,500/year, and scales with your vehicle's value.
Registering with the National Health Insurance Scheme (NHIS) is the baseline most residents use. Private, complementary health insurance is optional but fills gaps NHIS doesn't reach, such as private hospitals and specialist care, with individual plans starting from around GH₵1,500/year.
An agent represents one insurance company and sells that company's products. A broker like Akoma is licensed independently of any single insurer, compares options across our panel, and is contractually on your side rather than the insurer's.
We're headquartered in Accra and actively serve Kumasi, Sekondi-Takoradi, Cape Coast, Koforidua, Tamale and Ho, with phone and WhatsApp support available nationwide.
You contact us as soon as an incident happens; we help you complete the insurer's documentation, submit it, and follow up with the insurer on your behalf until the claim is settled.
Fill in a few details and we'll come back with options, or reach us directly on WhatsApp.
Business name, contact details and the send button above are placeholders — swap in your real NIC licence number, phone/WhatsApp line and office address once the company is registered.