Legal · Everyone

Insurance Disclosure

Honest disclosure of what's covered, what isn't, and the gaps in Ghana motor insurance that affect cost-shared trips.

Version
v0.1-draft
Last updated
2026-05-16
Jurisdiction
Ghana
Status
Draft

Working draft — pending final legal review. This page describes how Glydr intends to operate during our Accra pilot. We are finalising review with Ghana-qualified counsel and will publish the signed-off version before the public launch. Questions or feedback: legal@glydr.africa.

1. Why this page exists

Most ride-share platforms gloss over the insurance question. We’re not going to. The cost-share carpooling model has a real, named gap under Ghana motor insurance practice, and you deserve to know about it before you ride or list a Trip.

2. The framework

Three layers of insurance are relevant on every Glydr Trip:

  1. Statutory third-party cover under the Motor Vehicles (Third Party Insurance) Act, 1958. Every motor vehicle on Ghanaian roads must carry this. It responds for bodily injury to third parties (other road users, pedestrians) regardless of how the vehicle is being used. Glydr Drivers all carry it, because the law requires it.
  2. Driver’s private comprehensive cover (where the Driver has it). This is the standard private-vehicle comprehensive policy. It covers the Driver’s own vehicle damage and (usually) named-passenger liability, subject to the policy’s exclusions.
  3. Glydr supplemental marketplace cover — Glydr is in discussion with Ghana insurance brokers about a passenger-accident top-up policy that would cover Passengers on Glydr-recorded Trips for accidental death and bodily injury, with a fixed-benefit schedule. This cover is not in force yet. When it goes live, we will update this page and surface the limits and exclusions plainly.

3. The gap — read this

Private comprehensive motor insurance in Ghana — issued by SIC, Enterprise, Star, Vanguard, Allianz Ghana, Hollard, and the other major underwriters — typically excludes cover where the vehicle is being used for “carriage of passengers for hire or reward.” The exclusion wording varies between insurers but the substance is universal in the Ghana market.

A Glydr cost-share Trip is, on our position, not carriage for hire or reward — the Driver is heading the way anyway and the Passenger pays a share of cost, not a fare. However, an insurer assessing a claim may take a different view, particularly on the Accra ↔ Kumasi long-run where the Driver received a meaningful Cost Contribution from multiple Passengers.

If your Driver’s insurer takes that view, the practical consequence is:

  • Statutory third-party cover generally still responds for third-party road users.
  • Comprehensive own-vehicle cover is likely voided for the loss.
  • In-vehicle Passenger cover is the most disputed area and may be denied.

4. What this means for Passengers

If there is an accident on your Trip:

  • Your physical safety is paramount. Call 112 (emergency services in Ghana) and trigger the SOS button in the Glydr app.
  • You may have a claim against the at-fault party’s insurance (your Driver’s or another party’s), subject to that insurer’s position on cover.
  • You may have a claim against your own personal-accident or travel insurance, if you carry one.
  • The Glydr supplemental policy will respond if and when it is in force — see Section 2 above.

We recommend that you carry your own personal accident or travel insurance. This is cheap relative to its usefulness and it makes the Glydr position above moot for your side of the equation.

5. What this means for Drivers

Before your first Glydr Trip we strongly recommend you do the following:

  1. Read your motor insurance policy schedule. Find the “use clause” and the exclusions section. The relevant phrases are usually around “social, domestic, and pleasure purposes,” “business use by the policyholder,” and “hire or reward.”
  2. Call your insurer and ask, plainly: “Will my policy cover a claim if I am giving someone a lift and they paid me a share of my fuel cost through a platform called Glydr?” Get the answer in writing.
  3. If the answer is “no,” ask whether they offer an endorsement (a policy add-on) that covers shared travel — some insurers do, at modest extra premium.
  4. Don’t list Trips on Glydr until you have a written answer.

Glydr makes no representation that your specific insurer will treat a Glydr Trip as falling outside its hire-or- reward exclusion. The exclusion is an underwriter-by-underwriter question. Confirm with your insurer.

6. The Glydr supplemental policy (planned)

We are in active discussion with Ghana brokers — KEK Insurance, Goodwill Insurance, and others — about a marketplace-level passenger accident policy. The intended shape:

  • Cover for Passengers on a Glydr-recorded Trip (i.e. a booking paid through the Platform with the safety stack active).
  • Fixed-benefit schedule for accidental death and bodily injury — a published amount per Passenger, per Trip, regardless of fault.
  • Funded by Glydr (not added to your Cost Contribution).
  • A top-up, not a substitute. Statutory third-party cover and your Driver’s motor insurance remain the primary responders for road accidents.

This is the most credible defence we can build against the coverage gap described in Section 3. We will publish the full policy schedule on this page when it’s in force. Until then, it is not in force.

7. Reporting an accident or incident

If you are in an accident on a Glydr Trip:

  1. Get medical help first. Call 112. Trigger SOS in the Glydr app.
  2. File a police report at the nearest police station. You will need this for any insurance claim.
  3. Notify Glydr via the in-app “Report a problem” flow and email safety@glydr.africa. Send the police report and any medical reports as you obtain them.
  4. For motor insurance claims, contact the relevant insurer directly. Drivers contact their own insurer; Passengers contact their personal accident insurer (if any) and may claim against the at-fault party’s insurance.

8. Questions

Coverage-specific questions for our planned supplemental policy, once live, will be answered at this email: legal@glydr.africa.