Electric Vehicles in Ghana: What Drivers Should Know About Insurance & Maintenance

Electric vehicles (EVs) are slowly entering Ghana’s transport space, driven by rising fuel prices, lower running costs, and growing environmental awareness. With more used EVs being imported and new models appearing in Accra, Kumasi, and Takoradi, many drivers are asking: What does EV ownership really involve? And how does insurance work for electric cars?Here’s what Ghanaian drivers should know before making the switch.

EVs Are Growing But Slowly

Recent reports show increasing EV imports as government incentives and duty exemptions make them more attractive to urban drivers. Affordable compact EVs have entered the market, appealing to commuters who want to cut fuel expenses.
(Sources: EV24 Africa; Investment Times Ghana)But Ghana’s EV ecosystem is still developing, meaning owners must be well-informed about maintenance, insurance, and charging realities.

Maintenance: Less Mechanical Stress, More Battery Care

EVs cost less to maintain because they have fewer moving parts: no oil changes, no exhaust system, and simpler drivetrains.However, there are Ghana-specific challenges:

• Battery health is everything. Batteries weaken over time, and replacements are expensive.
• More weight = faster tyre wear. Many EVs are heavier than petrol cars.
• Few EV-trained technicians. Most mechanics in Ghana specialize in petrol and diesel vehicles.
• Charging stations are limited. Outside major cities, reliable charging options are scarce.

Prospective buyers must plan around charging, servicing, and battery management.(Sources: CARISCA/KNUST Automotive Sector Report; CarGhana.com)

Insurance for EVs: What Drivers Must Know

Insuring an EV is not the same as insuring a petrol car. EVs introduce new risks and higher-value components.

1. Higher Repair Costs

EV parts, especially batteries, cost more. Comprehensive insurance is strongly recommended.

2. Battery Coverage Matters

Not all policies automatically insure the battery. Drivers should check if the policy covers battery failure, electrical faults, and water damage.

3. Specialized Repairs

Because EV workshops are limited, repair delays can be longer. Insurance with better claims support becomes essential.

4. Theft & Electronics Protection

EVs rely heavily on electronic systems. Policies must cover theft, software issues, and electrical damage.

5. For Ride-Hailing & Commercial Use

EVs used for Uber, Bolt, or taxis must carry the correct commercial-use insurance, not just private-use cover.

Before You Buy an EV in Ghana, Do This

• Confirm access to reliable charging (home or public).
• Check maintenance support near you.
• Compare comprehensive insurance plans that include battery protection.
• Avoid very old EVs with unknown battery history.
• Buy from reputable dealers with documented battery tests.

EVs will grow in Ghana, but drivers must be prepared. Understanding maintenance realities and choosing the right insurance will protect your investment and keep your costs low.If you’re considering an EV, make sure you get proper, comprehensive protection on Maya fast, easy, digital, and tailored for modern vehicles.