• P.O.Box KN3425,Kaneshie-Accra,Ghana
  • info@insureghana.com
  • +233 (0) 20 9211 579 |+233 (0) 55 301 9383
  • info@insureghana.com

Westom Insurance Brokers, Your Trusted Partner in INsurance

Westom Insurance Brokers, Your Trusted Partner in INsurance

News Date: January 29, 2020

When it comes to insurance matters, we are almost spoilt for choice these days. You can purchase directly from an insurance company or agent; online through an association or group company; or you can go through a professionally qualified insurance broker.

Finding the right level of insurance cover also can be a time-consuming and expensive task.  If you are keen to find a better deal, or you are unsure of the level of cover required, Westom Insurance Brokerage Ltd is the right choice for you.  You get to free your time to do what you enjoy!


Westom Insurance Brokers are experts in the market and have a talent for finding the best cover at the best price,

If you are shopping for unusual products that you have limited knowledge of, Westom Insurance Brokers are versed with the knowledge and experience to advise you on a suitable level of cover.

We are independent and hardworking team with a carefully selected group of insurers that have regular contact with and are usually able to secure exclusive deals.

Using Westom Insurance Brokers doesn’t cost more than going direct.  We are paid a commission by the insurance provider for selling their products so you wouldn’t need to pay an additional fee on top of your premium.

It is important that no insurance jargon goes unnoticed.  Westom Insurance Brokers are responsible for ensuring any optional extras or cover not included within your policy are clearly disclosed to give you a clear understanding for the level of cover being offered.

It is difficult to arrange bespoke cover for high value or collectable items, but Westom Insurance Brokers have insurer relationships in place to obtain a personalized quote.

Not only are we there to see you obtain the best deals available on the market, claims are dealt with thoroughly to save you the hassle and worry, through what can be a difficult and frustrating process.

Here are 5 undeniable benefits of using Westom Insurance Brokers over any of the other options.

To give you the right advice

An insurance broker is a trained specialist in insurance practices and management. After getting to know you and your business, a broker will be able to provide intelligent advice and solutions specifically tailored to the individual needs of your business.

To assess/mitigate your risks

Many business owners don’t realize how many risks their company might be exposed to; not due to lack of intelligence but because they simply haven’t been given the right guidance.

Westom Insurance Brokers will inform you about business interruption, public liability or professional indemnity cases we feel could potentially harm your business. More so, we will help you implement a risk mitigation plan and process to ensure any threats are addressed from all angles.

To keep your policies up-to-date

At Westom Insurance Brokers Ltd we stay on top of any changes to legislation, and update your policies accordingly, to ensure your business is covered for any unexpected legal occurrences.

To act as an advocate for any claim settlement

One of the key differences between using Westom Insurance Brokers Ltd, and indeed dealing directly with an insurance company, is knowing who your advocate is and what your options are if a claim should go awry. If you get no joy there, you will have to engage your own Lawyer if things get particularly nasty.

Using a Westom Insurance Brokers Ltd will mean you have someone to act on behalf of you for the settlement of any claims made under your insurance.   Our sister company (Tom Acquah and Associates) a law firm with experienced and seasoned Insurance lawyers is on standby to help you through this legal tussle. 

As your advocate, it is in our best interests to ensure speedy and thorough settlement of your insurance claims and when things go wrong, we are there to support and act on your behalf at NO FEE. This will help you avoid wearing the cost if any negative repercussions are to appear.

The overall difference

When push comes to shove, your business needs will best be met by someone who works specifically for you, not a secondary company or firm. UsingWestom Insurance Brokers Ltd means More Advice, More Choice, a Better Price and a Firm Representative for your individual business needs.


General Questions

There are many insurance companies that offer Life insurance and many others that offer Non-life (General) Insurance in Ghana.You can go to any of these insurance companies and take out insurance.Once you contact them, their staff will advise you on what they offer and what is best suited to your insurance need.Click to see the list of GIA accredited Life Insurance Companies and Non-Life (General) Insurance Companies.Insurance – Some Basic Steps
  • Contact an insurance company, an insurance broker or an insurance agent
  • Discuss your insurance needs with them.
  • Think     about the options carefully and then choose the product(s) that meet(s) your needs
  • Supply truthful information for the completion of the insurance contract documents
  • Sign the insurance contractPay your premium
  • Receive an insurance cover for the risk(s) you have insured.
When should you take Insurance?
Once you have life with its possible unwanted outcomes, it is advisable to take an insurance against such possible unwanted outcomes. Also, as soon as you acquire a property it is advisable to choose an insurance to cover the risk of damage or loss to the property. Again anytime you have liability to another person for any damage you may cause the person, it is advisable to insure the liability. For liability insurance in the form of third party motor vehicle, commercial building under construction and commercial buildings you are required by law to take out insurance as an owner.

Protecting your life and property should be an important part of your financial plan. Insurance protects you from financial problems resulting from damage or loss either to yourself or to your property. It is therefore important that you insure your life and property against any unanticipated accidents, damages or loss. You can take insurance to cover any of the following listed below:
  • Death
  • Accident
  • Theft
  • Fire
  • Loss
  • Damage
  • Disability Health.

Broadly there are two kinds of insurance:Life Insurance which pays an insurance benefit when the person who is insured dies;Non-Life (General) insurance, which comes in many forms, including property, liability, disability, health and travel.
  • Property Insurance provides protection against property damage and the insured is indemnified (compensated) if such damage occurs.
  • Liability Insurance provides you with insurance protection if you are found to be liable for causing damage to someone’s health or property.
  • Disability Insurance provides protection should you lose your ability to work and earn income, and pays you income if you are unable to work.
  • Health Insurance covers certain medical expenses and prescription medications.
  • Travel Insurance provides protection against certain adverse occurence during travel such as illness or even missed flights.


  • The insured (policy holder)
  • The third party whose property has been damaged by our insured's vehicle
  • The injured victim
  • Administrators of a deceased estate
  • Parents/guardians in the case of minor.

Non-motor insurance comprise of several lines example public liability, professional indemnity, personal accident etc. Each non-motor insurance claim has its own specific claims procedure and conditions.Generally, when an accident occurs the insured should comply with the following :
  • Report to the police.
  • Contact your broker/insurer and fill the specific claim form.
  • Do not settle or negotiate to settle, admit or repudiate any claim without the consent of your broker/insurer.
  • Forward all relevant documentary evidence in respect of the loss.
  • Forward all claims, writs of summons or letters from third parties to your broker/insurer through insureghana.com.

1. If your vehicle was driven without your consent, order or permission.
2. When an unlicensed driver was driving
3. When the claim is statute barred i.e claims not submitted within the three (3) or six (6) years period.
4. Where there was a change of ownership on the vehicle without reference to us.
5. Using the vehicle whilst the driver was drunk.
6. Using the vehicle for unauthorized purposes.
A. Own damage
  • Report the loss to the insurer and fill the accident report form.
  • Attach a copy of the driver’s license.
  • Furnish the insurer with an estimate of the cost of repairs from either the insurer’s recommended garage or a repairer of your choice.
  • Provide pictures of the damaged vehicle, clearly showing the registration number of the accident vehicle.
  • Allow damaged vehicle to be inspected by the insurer’s surveyor before the commencement of repairs.
  • Police report would be required, depending on the circumstances leading to the loss.

B. Property damage claim
  • Letter of claim
  • Police Report
  • Furnish the insurer with an estimate of the cost of repairs from either the insurer’s recommended garage or a repairer of your choice.
  • Provide pictures of the damaged vehicle.
  • Provide driving license of the insured’s driver.
C. Injury cases·
  • Letter of claim
  • Police Report
  • Medical report
  • Original receipts of Medical Bill incurred (To justify the cost being claimed for)
  • Sworn Affidavit.
Two (2) passport-size pictures of the injured victim endorsed by the doctor who treated the victim.D. Deceased (death) cases
  • Letter of claim
  • Police Report
  • Death Certificate/Burial permit/Post-mortem report
  • Letters of Administration
  • Personal Particulars of the deceased
  • Sworn Affidavit
  • Endorsed passport size pictures of Administrators (two each).
In all cases, a discharge form which states the agreed quantum (amount) will be issued by the insurance company to the insured or claimant for execution and forwarded back to enable us process the cheque.

Under all insurance contracts, damages or losses incurred must be reported to the insurance company for the purpose of making a claim. In most cases a report must also be made to the police. Under a motor insurance for example, you must report any accident to the police as soon as it occurs to enable you to begin the processes for making insurance claims.Failure to report an accident can subject you to personal liability if the persons involved later find themselves to be injured and your insurance company denies the claims due to your failure to report the accident promptly.
This is what you are paid in the case of an accident or loss for which you have insured. Once you have entered into an insurance contract and paid your premium, you are entitled to compensation from the insurance company for any damage or loss suffered. The extent of compensation depends on the type of insurance.

By Admin at February 16, 2021

NIC develops Compulsory Commercial Fire Insurance policy

Read More

By Admin at February 15, 2021

Mobile phones insurance – fast growing?

Read More

By Admin at January 20, 2021

WAPIC Insurance: Change Of Company Name

Read More

By Admin at March 3, 2020

Industry-first deal between Hollard and Melcom to provide insurance for shoppers

Read More

By Admin at January 29, 2020

Westom Insurance Brokers, Your Trusted Partner in INsurance

Read More

By Admin at January 21, 2020

The National Insurance Commission Fades Out Manual Motor Stickers

Read More