Your claim, our priority

Filing a claim shouldn’t feel complicated. At Star Assurance, our Claims Unit is dedicated to supporting you from the moment an incident occurs until settlement is complete. We treat every claim with urgency and respect, so you can focus on moving forward while we take care of the details.

Motor Claims Procedures

  • Report to the police.
  • Proceed to file your claim here.
  • Do not settle or negotiate to settle, admit or repudiate any claim without our consent.
  • Upload all relevant documentary evidence in respect of the loss.
  • Forward all writs of summons, or letters from third parties to us via unanswered.

Who is entitled to make a claim?

  • 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

Some circumstances under which your motor claims will be repudiated

  • If your vehicle was driven without your consent, order or permission.
  • When an unlicensed driver was driving
  • When the claim is statute barred i.e claims not submitted within the three (3) or six (6) years period.
  • Where there was a change of ownership on the vehicle without reference to us.
  • Using the vehicle whilst the driver was drunk.
  • Using the vehicle for unauthorized purposes.

Period within which to make a claim

  • Injury/death - up to three years from the date of the accident.
  • Damage - up to six years from the date of the accident.
Relevant Document for various Motor Claims

OWN DAMAGE

Required Document

  • A claim letter
  • Estimate of the repair cost
  • Photographs of the vehicle in its damaged state
  • Police Report (where necessary as well as Theft Claims)
  • Fire Report (For Fire Losses)

THIRD PARTY PROPERTY DAMAGE (TPPD) CLAIM

Required Document

  • A claim letter
  • The relevant police report (interim or final) for determination of liability.
  • Estimates of the repair cost
  • A valuation report if the property damaged was a building/property

INJURY CLAIM

Required Document

  • A claim letter
  • Relevant Police Report (Interim & Final) for determination of liability.
  • Final Medical Report
  • Duly Signed Statutory Declaration: An Affidavit of Instruction (if a Solicitor is pursuing the claim on behalf of the claimant, except in cases where a writ has been issued). Affidavit (if self-claimants)
  • Two (2) passport-size photographs of the injured, endorsed by the attending Medical Officer.
  • In the case of a minor, two (2) passport-size photographs of the parent/guardian or the Next friend making the claim should be submitted.
  • Medical Receipts, if any.

DEATH CLAIM

Required Document

  • A Claim Letter from the Administrator(s) of the deceased’s estate
  • Relevant Police Report (Interim & Final) for determination of liability.
  • Post Mortem and Burial Certificate OR Death Certificate (v) Letters of Administration (if the deceased was an adult)
  • Two (2) passport-size photographs each of the administrator(s).
  • Duly Signed Statutory Declaration: An Affidavit of Instruction (if a Solicitor is pursuing the claim on behalf of the claimant, except in cases where a writ has been issued). Affidavit (if self-claimants i.e. the Administrators)
Downloadable Documents

Download, fill and submit the relevant document for manual processing of claims.

Goods-in-Transit in Transit Claim Form
Personal Accident Claim Form
Professional Indemnity Claim Form
Travel Insurance Claim Form
Motor Accident Report Form
Plant Machinery Insurance Claim Form
Public Liability Claim Notification Form
Workmen Compensation Claim Form

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 which are explained in detail by our competent and well trained claims staff whenever a claim is made.​​

Generally, when an accident occurs, the insured (policyholder) should comply with the following:

1 Report the incident to the police or fire service (in case of fire).
2 IMMEDIATELY contact Star Assurance and complete the specific claim form.
3 Take all reasonable steps to protect the damaged site/property for inspection by Star Assurance.
4 Do not settle or negotiate to settle, admit or repudiate any claim without our consent.
5 Forward all relevant documentary evidence in respect of the loss to us.
6 Forward all claims, writs of summons or letters from third parties to us unanswered.
Important
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.
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Star Assurance Limited (“Star Assurance”) is a privately owned A-Rated Insurance Company incorporated in August 1984 and licensed to carry out corporate and retail insurance businesses in Ghana. It commenced business in April 1985.

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  • Fax: +233 (0) 372 026 563

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