ELS: MBN360 NEWS
The Member of Parliament for South Dayi, Rockson-Nelson Etse Kwami Dafeamekpor, has called on government to ensure that all state-owned vehicles are adequately insured to protect public property and the lives of public officials and other road users.
Speaking during a parliamentary sitting in Accra on Wednesday, November 4, 2026, in a statement on the importance of insurance policy cover for official vehicles, the MP urged government to review the existing exemptions granted to state vehicles under the country’s motor insurance laws.
He argued that Act, 1958 (Act 42), law makes third-party insurance compulsory for vehicles operating on public roads, although government-owned vehicles enjoy certain exemptions subject to specific conditions.
He questioned the continued application of the exemption, claiming that the required security deposits of GH¢200,000 per government vehicle had not been lodged with the Accountant-General since 1958.
Hon. Dafeamekpor further referenced the Insurance Act, 2021 (Act 1061), particularly Section 220, which reinforces compulsory motor third-party insurance for vehicles used on public roads.
He emphasized the need for adequate protection beyond third-party insurance, he also appealed for comprehensive insurance policies for vehicles assigned to ministers and Members of Parliament.
“We are of the humble opinion that this statement is drawing attention to the dire necessity of state vehicles to be insured,” he told Parliament.
Additionally, to illustrate the financial implications, the MP estimated that a comprehensive insurance policy for a Toyota Land Cruiser valued at US$80,000, at a premium rate of five per cent, would cost approximately US$4,000, equivalent to about GH¢55,000.
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He warned that the financial consequences of leaving expensive government vehicles uninsured could be severe, particularly in the event of major road accidents.
“One rollover on that Accra-Kumasi highway could wipe out the entire vehicle and its value if it is not comprehensively insured,” he cautioned.
He further added that some of his colleagues in Parliament could attest to the financial difficulties associated with repairing or replacing vehicles involved in accidents without adequate insurance policies.
Hon. Dafeamekpor called on the Minister of Finance to use the appropriate legislative instrument to revoke the blanket exemption for government vehicles unless the required security deposits are made, published in the Gazette and verified by the Auditor-General.
He also urged Cabinet to direct all ministries, departments, agencies and other government institutions to insure their official vehicles as a matter of policy.
According to him, such a measure would ensure that insurance companies bear the cost of repairs or replacement when accidents occur, rather than transferring the financial burden to the state.
The MP called on government to ensure that its vehicles are insured to protect the lives of people who use them in the performance of their official duties.
He subsequently appealed to Parliament to refer the statement to the Joint Committees on Roads and Transport, Finance, and Constitutional, Legal and Parliamentary Affairs for consideration and a report within two weeks, with recommendations for possible legal reforms.
