In Ghana, many drivers are still unsure about the details of their motor insurance policies. At Maya, we’ve interacted with thousands of drivers through our WhatsApp-based chatbot, and we’ve seen it all. From assumptions about coverage to confusion about claims, myths can be costly. Let’s set the record straight by busting five of the most common myths our AI chatbot encounters daily.
Truth: While comprehensive coverage costs more than third-party, it can save you money in the long run. It covers damage to your car, theft, fire, and third-party liability all in one policy.Chatbot Insight: According to Maya’s internal data, most drivers who ask about cost assume it’s double the price of third-party. In reality, many insurers offer competitive premiums with flexible payment plans.Ghana Insurance Association notes that comprehensive cover is particularly useful in urban areas with higher accident or theft rates (GIA, 2023).
Truth: Third-party insurance only covers damage or injury caused to others, not to your vehicle or property. That means if your car is damaged, you’ll foot the bill.Chatbot Example: One Maya user asked, “Will third-party pay for repairs if I crash my car?” “No, that’s only covered under comprehensive insurance.”Many users are unaware of this gap until it’s too late. Don’t wait for a claim to learn the hard way.
Truth: You absolutely can, and Maya proves it. Through our AI chatbot on WhatsApp, drivers can get insured in under five minutes.Tech Adoption Trends: A 2024 KPMG report found that digital distribution in insurance is rising in Ghana, with over 30% of policyholders now preferring mobile-based channels (KPMG Ghana, 2024).Our chatbot handles:
Truth: Not all policies offer the same value. Some insurers provide better customer support, wider coverage, and faster claims service.🤖 Maya’s AI chatbot helps you compare plans across multiple insurers, breaking down:
✅ Value isn’t just about price, it's about peace of mind.
Truth: Motor insurance in Ghana must be renewed annually, and failing to do so can result in penalties, fines, or worse, accidents without cover. Our chatbot sends timely renewal reminders and lets users renew instantly on WhatsApp.National Insurance Commission (NIC) regularly enforces compliance, and driving without valid insurance is illegal (NIC Ghana).
Misinformation can cost drivers more than just money; it can cost time, safety, and legal peace of mind. Maya’s AI chatbot is designed to simplify the process, educate users, and make insurance more accessible for every driver in Ghana.Ready to bust your motor insurance myths?
Chat with Maya on WhatsApp now and get the facts, fast.