I write to draw the attention of the National Insurance Commission (NIC) to my unresolved claim with Priority Insurance.
In February [2025], my Toyota Corolla, registration number GE 1208-24, was involved in an accident.
The matter was reported to the Akyem-Wenchi Police and the DVLA Officer at Akyem Oda was invited to test the vehicle.
The vehicle was insured with Priority Insurance under a comprehensive policy.
I submitted my notice of claim to the company on February 26, 2026.
In a letter signed by its senior claims officer, Priority Insurance stated that the accident occurred on February 21, 2025 and that I had, therefore, notified them 370 days after the loss.
It cited a policy clause providing that the company bears no liability for any accident reported more than 30 days after it occurred and it repudiated my claim on that basis.
I find this position difficult to accept. I paid my premiums faithfully, the police were informed and the vehicle was examined by the appropriate state officer.
A policyholder who has paid for comprehensive cover should not be left without recourse because of a technical reporting clause and I believe the NIC should examine whether such a rigid clause is fair to customers.
My experience reinforces a widely held public perception that insurance companies in this country are eager to collect premiums but reluctant to pay when customers make genuine claims, often delaying and frustrating policyholders in the process.
Such conduct erodes public confidence in the insurance industry.
I , therefore, call on the National Insurance Commission to investigate this matter and ensure that I am duly compensated under my comprehensive policy.
Isaac Asare
Mac-Cathy Hill, Accra
0243606552/0244490531
