Provident Insurance Company Ltd.

Provident Insurance Company Ltd.

About Provident Insurance Company Ltd.


At Provident, we espouse a simple set of corporate philosophy which defines our positioning in the Ghanaian insurance industry. Our corporate philosophy is a critical element of our culture. Our decision making, drive and unity as a company hinges on it. It consists of our vision, mission and values:


Provident Insurance Company (Provident) is a private Limited Liability company incorporated and was registered in Ghana in February, 1981. It commenced business in October 1982 on the principle of providing our policyholders with a near perfect protection, as near perfect service as is humanly possible, and doing so at the lowest possible cost.
The Company started from a humble beginning with a stated capital base of five thousand cedis (¢5,000). Provident has now been evaluated as one of the solvent Insurance Companies on the market by the National Insurance Commission (NIC). Accordingly, its operating License is annually renewed by the NIC.
Provident is financially strong. It has a consolidated capital employed of over ¢13.3billion.
Total Assets of over ¢46.2billion, Reserves including Life Insurance Fund, ¢19.7billion and Investments, ¢25.3billion. The asset base of the company include our own Ultra-modern office premises and other properties located in prime areas including the Ring Road Central in Accra.
This achievement has been the application over the years of sound, professional and efficient underwriting and investments practices.
Provident Insurance Company Ltd. 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.


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

Download Provident Insurance Company Ltd. Motor Insurance Policy
Provident Insurance Company Ltd. Contact Details