The Personal lines policies of Vanguard Assurance Company are grouped into three main Groups namely Motor, General Accident Insurance Policies and Fire & Allied Perils.

MOTOR
Motor Insurances(Private)
Comprehensive
Third party Fire and theft
Third Party Only

GENERAL ACCIDENT INSURANCE POLICIES
Individual Personal Accident
Family Personal Accident
Burglary (Private Residence)
Foreign Travel Insurance

FIRE & ALLIED PERILS
Home Owners Comprehensive
House Owners Comprehensive
House Holders Comprehensive

A) MOTOR INSURANCE

Liabilities arising from motor accidents can be enormous, resulting in huge financial loss. Apart from damage to or total destruction of ones own vehicle or motor cycle, other peoples' property may also be damaged or destroyed. Worse of all, human beings may die or get injured. Three types of policies are available to cover these liabilities. They are :-


1. Third Party Cover

          • Covers the insured’s liability for injury to or death of third parties and damage to third
             party property such as a vehicle, building, kiosks, traffic light etc. It does not
             however extend to a passenger's luggage, bag, wristwatch etc.
          • Emergency treatment for all occupants of the vehicle
          • Personal accident benefit to the insured and his or her driver.

Do you want to cater for liabilities to third parties only? What about some cover for your own cherished vehicle? See 2 below.


2. Third Party Fire & Theft Cover

As the name implies, this policy insures the vehicle itself against:
          • Loss or damage caused by fire or theft in addition to:
          • The insured's legal liability to third parties as indicated in 1 above.
          • Emergency treatment for all occupants of the vehicle
          • Personal accident benefit to the insured and his or her driver.

The vehicle could be damaged or totally destroyed by risks other than fire or theft. Couldn't it? Vanguard has the policy which will cushion you against these other risk exposures – The Comprehensive Cover.


3. Comprehensive Cover

It gives the widest cover including that given by each of the two mentioned above. It gives indemnity in respect of:

         • Insured's legal liability for death of or bodily injury to third parties
         • Insured's legal liability for damage to Third Party property
         • Emergency treatment for all occupants of the vehicle
         • Personal accident benefit to the insured and his or driver.
         • Damage to or loss of the insured’s own vehicle or motor cycle arising from the
            following:-

                            i. Accidental collision or over-turning
                           ii. Fire, self-ignition
                          iii. External explosion, lightening
                          iv. Burglary, housebreaking, theft
                           v. Malicious damage
                          vi. Damage whilst in transit by rail, inland water way, lift or elevator
                         vii. Reasonable cost of protection and towage when an accident occurs

We care to ensure that the best cover is arranged for your vehicle/motor cycle. Contact us now. The best service awaits you.

B) GENERAL ACCIDENT INSURANCE POLICIES (PERSONAL)

1. Individual Personal Accident:
This is a 24hr policy designed to provide compensation to the insured or his legal representative for:

         • Death,
         • Permanent total disablement,
         • Temporary total disablement 
         • Medical expenses, arising from bodily injury resulting sorely and directly from accident
           caused by external violent and visible means.

This is an accident cover ideal for working adults. Benefits are not limited to only work related accidents.


2. Family Personal Accident:

Similar to 1 above except that this 24hr cover is extended to the whole family.


3. Burglary (Private Residence):
      
This is an Insurance cover for loss of specified insured items as a result of forcible and violent entry of your private premises.


4. Foreign Travel Insurance:

This is a worldwide insurance policy that takes effect as soon as you leave the shores of Ghana. It covers hospitalization, medical expenses, medical evacuation, return trip, compassionate emergency repatriation, next-of-kin accompaniment compassionate emergency visit and home transportation of the deceased. This policy also extends to all children under 2years.

Its major benefits include 48 hours extension, prescribed drugs, ambulance transportation, provisional no deductible or excess.

C) Fire & Allied Perils (Individual)

1. Home Owners Comprehensive:

Theft of these goods and personal effects through forcible entry or exit is also covered. There is also an additional personal accident cover for the insured and spouse and a maximum of four (4) children of the insured.

2. House Owners Comprehensive:

The Vanguard Houseowners policy which provides cover for your building[s] , fixtures and fittings against fire and allied perils and damage to the building as a result of attempted burglary through forcible entry or exit.

3. House Holders Comprehensive:

The Vanguard Householders which provides cover for household goods and personal effects against fire and allied perils and theft through forcible entry or exit. Theses three covers form the Vanguard Making your House a Home (VHH) package:-

With our VHH policies your
                  
                     • Home
                     • Valuable belongings
                     • Members of your family are protected against Fire, Flood, Burglary, Domestic 
                        Accidents and other mishap.

The Vanguard Homeowners policy provides fire and allied perils cover for your private dwelling house and specified household goods and personal effects.