Ghana's capital and our home base — the country's densest concentration of vehicles, rented property and private-sector employers.
Accra is Ghana's political and commercial capital, and Greater Accra is the country's most urbanised region at 87% urban. That density means more cars per household, more landlords renting to tenants who need proof of cover, and more employers large enough to offer group health and life benefits.
Total population of Greater Accra Region, per Ghana's 2021 Population & Housing Census.
Accra urban population (urban core, 2021 census).
High traffic density drives motor claims volume; coastal flooding in low-lying areas (Odaw basin, parts of Ashaiman) makes property cover for flood damage a recurring conversation, not a theoretical one.
Neighbourhoods marked “expansion target” aren't actively staffed yet — ask us for a current rollout status when you reach out.
As Ghana's capital, Accra gives us the widest insurer panel to shop against — here's what that comparison typically covers.
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 on Accra's busiest corridors.
Individual and family health plans that sit alongside NHIS, covering the private hospitals and specialist clinics concentrated around the capital.
Protection for homes, rental units and offices across the capital — increasingly a condition banks set before approving an Accra mortgage or business loan.
Group life and health packages for Accra-based employers, from small retailers to larger corporate offices, arranged once and re-shopped at every renewal.
Indicative starting points only — your exact Accra premium depends on the insurer and a proper risk assessment, sorted out once we compare quotes.
Four steps, most of which happen without you needing to visit an office.
A vehicle, a property, your family's health, or your staff — WhatsApp or a call is usually enough to get started in Accra.
We request quotes across our Accra-based insurer panel and lay out the real differences in price, exclusions and claim record.
Once you pick a policy, we manage the proposal forms and payment directly with the insurer on your behalf.
If something happens, we advocate for your claim with the insurer — given how much motor and property claims volume moves through the capital. and because Accra's market moves fast, we re-check pricing before every renewal lands.
We're licensed as a broker, not tied to any single insurer, so our job is finding the right fit for an Accra household or business, not pushing one company's product.
The premium you pay already has broker commission built in, whether you go direct or through us, so working with Akoma in Accra costs nothing extra.
For Accra households and landlords, that independence matters most when a flood-damage or motor claim lands on multiple insurers' desks at once — we chase the documentation and the follow-up.
Straight answers, without the sales pitch. Get in touch if yours isn't covered here.
The NIC-approved national tariff applies here just as everywhere else — third-party cover from GH₵530/year for a private car. High traffic density drives motor claims volume; coastal flooding in low-lying areas (Odaw basin, parts of Ashaiman) makes property cover for flood damage a recurring conversation, not a theoretical one.
Yes — Accra is our headquarters, so in-person visits, document drop-off and claims support are all based here.
We prioritise Osu and Labone, Dansoman (Ablekuma West), Adenta Municipal, Ashaiman Municipal, East Legon, Tema Metropolitan, and take enquiries from anywhere in Greater Accra Region by phone or WhatsApp.
Fill in a few details and we'll come back with options, or reach us directly on WhatsApp.
Business name and contact details above are placeholders for the Accra team — swap in the real NIC licence number and phone line once registered.