The time frame any claim takes depends greatly on the type of incident as well as how soon the required information and documentation is supplied to the Activa claims department. Upon submission of all relevant documents, your claim will be settled between 1 to 5 days.

Comprehensive car insurance provides the widest cover – covering your car for theft and hijacking, damages from an accident, fire or explosion and natural disasters like hail and floods, as well as covering damages to your car’s glass and liability to third parties if you’re in an accident. Third Party car insurance is where the policy holder own’s vehicle is not covered but damage or injury to other people and property are covered. For other people property, they are cover up to GHS 2,000 and injuries to other people are unlimited.

The best and easiest way is to create an inventory of all of your household contents with the replacement value of the item. The total replacement value of this entire list is the insurable value.

You would carry a part of the risk in proportion to the amount that you undervalued your household items. In other words, if the actual value of your household contents is GHS200,000 and you have cover for GHS100,000 (50% of the value), Activa will cover 50% of your loss.

A thorough inspection up front prevents you from having problems in the unfortunate event of having to claim. By giving your vehicle a thorough inspection – determining whether there’s any existing damage to the vehicle, confirming if it is in good working order and obtaining the details of any non-standard accessories and sound equipment, we make sure that we have all the info we need to cover your car properly.

We assume you mean household contents insurance as you would probably not be interested in insuring the structure if you are not the owner. You can certainly get household contents insurance whether you own the property or not. 

Most policies have an exclusion in their general terms and conditions that exclude damage caused by vermin (rodents). When the exclusion is mentioned in the general terms and conditions it applies to all sections of the policy wording.

Unfortunately, for young drivers our experience shows that driving risk reduces with age. Basically, older drivers have fewer accidents than young or new drivers. As a result, we base our premiums on a number of factors which may include the age of the driver.

In the unfortunate event of a household insurance claim, Activa can ask you to prove ownership and value of the items you claim for. It is advisable to keep the invoices to ensure that the correct items are quoted on and replaced in the event of a claim.