Vanguard Safe Shop Comprehensive Policy (Shopowners)
The Vanguard Safe Shop (VSS) comprehensive policy is a specially designed policy for Shop owners in the Country. It takes into consideration the most common risks that shop owners face in their day to day operations.

It is also the best policy to take in the event that you are securing a loan to expand your businesses. The policy will provide cover for three key risk factors:-
  • Fire and Allied Perils such as flood, earthquakes.
  • Burglary and.
  • Shop owners Liability towards the general public.
The cover will be mainly for:- 
  • Building occupied and used as a shop constructed of brick, stone or cement block/concrete and roofed with slate tile.
  • Contents of the Shop: Stock in trade, Goods, Merchandise, etc.
  • Office equipment and Furniture.
This policy is the best that any shop owner requires to protect his or her investments against the above mentioned.

Vanguard BUPA IHI Foreign Travel Policy
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.
There is a 48hr extension and no deductible/excess applicable.

Benefit Package: 
Vanguard Assurance Company, in partnership with its appointed claims handlers, IHI BUPA offers you wide ranging financial relieves. The cover is unlimited.
 Claims Handling And Settlement: 
The world-renowned medical insurance claims handling company IHI BUPA is our appointed claims handler. With a worldwide network and vast experience, IHI BUPA handles claims promptly and fairly.
      Emergency Service:
 In the event of medical emergency, which may lead to Hospital Treatment and/or curtailment of your trip, IHI BUPA provides a 24-hr Telephone Service to offer you advice and help deal with your emergencies.

ihi Bupa
ihi Bupa Travel
8 Palaegade
DK-1261 Copenhagen K
Tel.: +45 70 23 24 61
Fax: 45 33 32 25 60
E-mail: emergency@ihi.com 

Vanguard CICL Foreign Travel Policy
If you travel abroad more often whether for business or leisure, you will appreciate the need for Vanguard CICL travel insurance.

Why the need?
  • As someone who travels often, there is the Higher Risk Of:
  • Accidental injury
  • Accidental death
  • Accidental sickness
How the policy works:-
  • Cover is worldwide
  • Insurance valid if premium paid prior to traveling
  • Premium dependent on duration of trip
  • Policy takes effect as soon as you leave the shores of Ghana
  • Free cover for children under 2 years
  • The age limit is 79 years
  • Medical expenses
  • Hospitalisation
  • Attendance by a doctor
  • Emergency dental
  • Emergency optical
  • Emergency evacuation/repatriation
  • Visit by relative or travel by companion
  • Visit by relative or travel by companion
  • Return of relative/ travel companion
  • Return of accompanying children
  • Home transportation of the deceased
  • Excess on each item is $50
  • Maximum cover is $50,000.00
Application procedure:
  • Complete a proposal form with the following information
  • date of birth
  • occupation
  • passport number
  • inception date
  • expiry date
  • address of destination
  • email Id
  • mob. number
  • details of dependants
  • beneficiaries
Refund of premium: refund is possible only if vanguard receives a written request prior to the commencement date the company will charge a fee of $30.00 in connection with any refund after the commencement date the premium is considered fully earned and non-refundable

NETCARE 911 on
TEL:+27 11 254 1694
Email: flight@netcare.co.za
Vanguard Assurance Co. Ltd on
Tel: +233 21 666 485
Email: ft@vanguardassurance.com

Complete claim form with the following information:-
  • Your policy number and policy code
  • Name, present location & contact number
  • The emergency and/or medical problem
  • Location of hospital/clinic and doctor’s telephone numbers
  • A relative we should contact in your country of domicile
The Vanguard CICL policy gives you Peace of mind and Security to live your life.

Vanguard Special Group Taxi Scheme
The taxi project was the first special project instituted by Vanguard Assurance Company Limited. The idea was conceived in 2003. At the time Vanguard was approaching the significant age of 30 and the Board of Directors and Management of the company wanted to initiate a project that will make a significant impact on society. As a leading insurer, Vanguard is not only interested in the reduction in claims that will result from safe driving practices, we are concerned about the social and economic effects of deaths and injuries that result from accidents on our roads.

The Project has as its major components the Vanguard Best Taxi Awards Scheme and Training of Trainers for taxi drivers and Group Taxi Insurance Scheme for taxi unions and societies.

Taxi drivers constitute an indispensable group in our transport service delivery. For Tourists and other foreign visitors to this country who rely very much on taxi drivers to carry them around, taxi drivers mirror the image of this country.
The main objective is to encourage positive behavior among taxi drivers in particular and commercial drivers in general by publicly recognizing and awarding deserving taxi drivers. Vanguard also hoped that the scheme will complement the efforts that other government and non-governmental agencies are making towards reducing accidents on our roads. The overall effects of such avoidable accidents on our social and economic development must concern all good corporate citizen of this country.

Training of Trainers
As part of the scheme, Vanguard has also instituted a training scheme for Taxi Drivers. Trainers are trained to in turn serve as trainers for their respective Taxi Unions. At the time, the Ministry of Tourism and Diasporan Relations and the Ghana Tourist Board have shown interest in the Vanguard Training of Training Programme and have collaborated with Vanguard in the organization of the Greater Accra programme last year. So far training programmes have been held in the regions that have benefited from the award ceremonies – Greater Accra (2), Eastern, Ashanti and Brong Ahafo Regions having one each.

Best Taxi driver selection process
The advent of the taxi unions and societies has brought a lot of sanity into that profession which all of us might have ignored for so long. Taxi Unions therefore are the pivot around which the award scheme revolves. Every participating union is required to constitute a local award committee to select one best driver within the union. The performance factors in the criteria include:
  • Appearance
  • Speech
  • Maintenance of Vehicle
  • Meeting financial obligation to the union
  • Honesty/Integrity
  • Knowledge of Road signs and regulations
  • Safe Driving
  • Knowledge of Major landmarks and tourist sites

Regional Awards Committees
All union level best drivers subsequently appear before a Regional Awards Committee. This committee is made up of representatives of the following institutions:
  • Ghana Road Transport Coordinating Council (GRTCC)
  • Motor Traffic & Transport Unit of the Ghana Police Service (MTTU)
  • Driver & Vehicle Licensing Authority (DVLA)
  • National Road Safety Commission (NRSC)
    The Regional Awards Committee handles the final selection process to determine the Overall Best Taxi Driver and two runners up. This process is usually in two (2) parts:
• The first session involves an interview and recognition/interpretation of road signs. his session results in the short-listing of drivers who made a certain grade.
• These drivers are then taken through practical driving test by a testing officer of DVLA to select a best driver and two runners-up.

  Regional Best Taxi Driver Awards Ceremony
An award ceremony is thereafter organized to publicly recognize these drivers and other contestants who were selected to represent their various unions. So far the awards have been held in four(4) regions. Greater Accra(3), Eastern(2), Brong Ahafo(2), and Ashanti(2). It is expected that this year, in addition to these regions, Western Region will also benefit from the awards and training of trainers.

The Prizes include:
  • A double door refrigerator for the for the overall Best Regional Taxi Driver
  • A 20-inch Color Television Set
  • A Ghetto Blaster for the second runner-up
  • A one year free insurance cover for the owner of the car driven by the best driver.
  • Cash prizes for all union level best drivers 
National Best Taxi Driver Awards
Ultimately it is expected that all regions will be covered by the awards after which a National Best Taxi Driver Awards will be held with the national winner taking a grand prize of a brand new taxi cab. Participating Transport Organisations
The major transport organizations so far participating in the scheme are:
  • Ghana Private Road Transport Union (GPRTU)
  • Ghana Co-operative Transport Society, 
  • Progressive Transport Owners Association (PROTOA).
Support for Deserving Unions
Other support we have for the unions include the provision of offices and passenger shelters for deserving unions.

Collaborating Agencies
Since the inception of the project, Vanguard has enjoyed tremendous support and collaboration from governmental and non-governmental agencies such as:
  • Ghana Road Transport Coordinating Council (GRTCC)
  • Motor Traffic & Transport Unit of the Ghana Police Service (MTTU)
  • Driver & Vehicle Licensing Authority (DVLA)
  • National Road Safety Commission (NRSC)
  • Ghana National Fire Service
  • Ghana Red Cross
The Taxi project i.e. the awards ceremonies and training of trainers programmes are highly patronized by highly placed personalities like traditional rulers, Ministers of State, District & Municipal Chief Executives and other high ranking Government officials. The ceremonies are also well-publicized and you will therefore receive favourable mention in both the print and electronic media.
The awards ceremonies are gradually becoming very popular and regular feature on the calendar of transport unions in the regions.
Group Taxi Insurance
A very important component of the taxi project is the group taxi insurance scheme that offers motor vehicle insurance to taxis operating under a union.
Payment of claims to taxis involved in accident is handled promptly and fairly.

The Taxi Unit
In order to ensure prompt service to taxi drivers, a separate unit was set up in 2005 to deal solely with taxi insurance.

Vanguard 48hr Motor Insurance Service
Get your Comprehensive Motor Insurance claim paid within 48hr today. Yes, the demand of our cherished customers have led to the introduction of this flexible insurances product that guarantees you speed and reliability.

This is an optional service provided under our Comprehensive Motor insurance policy that customers can access by subscribing to and paying a minimum premium of GHC 10.00 only
The request to subscribe to this 48hr claims payment service can be made via email at marketing@vanguardassurance.com or by calling 0244334407.

The Vanguard 48hr Claims payment service may be purchased at the inception, during the currency or at renewal of a policy.

Vanguard Honourable's Protection Policy
In our characteristic innovative fashion, in the wake of requests from our politicians for a cover to protect them and their assets especially during their vigorous activities, Vanguard Assurance Company Limited has developed a new product called The Vanguard Honorable’ s Protection Policy (VHPP).

The policy is designed to cater for the various risks faced by politicians (i.e. Members of Parliament and Assemblymen) especially during the electioneering process.

The benefits of the Vanguard Honourable Protection Insurance Policy (VHPP) include,cover for the car of the aspirant     House Insurance protection for the aspirant
Personal accident benefits for the insured (aspirant) and 5 key members of his campaign team up to limits specified.

To be insured, kindly download a VHPP Proposal form from our website at the downloads section fill and return to marketing@vanguardassurance.com or call 0244334407 for urgent response.

Vanguard Hospitals Insurance
In response to the numerous Fire incidents around the country including damage to the Central Medical Stores as well as the cries for compensation from victims of negligence following surgical operations in the country, Vanguard Assurance, you household name in insurance and leader in the provision of indigenous insurance services has responded to meet the needs of Ghanaians.

The VHPP is one of the most innovative insurance product that can be found in the country.

This is a specially designed insurance cover to cater for loss or damage to the hospital buildings, medical stores and drugs / medicines as a result of incidents such as fire, lightning, explosion, earthquake, windstorm and or other atmospheric disturbances.
It also caters for legal liabilities with respect to the negligence on the part of named medical officer(s) in the course of carrying out surgical operations.

  • Broad Coverage
  • Targeted beneficiaries
  • Lower rates
  • Reduced legal liabilities
  • Commercial Fire Insurance
  • Burglary
  • Group Personal Accident
  • Public Liability
  • Professional Indemnity 
Vanguard Ladies Kitchen Insurance
The product, Ladies Kitchen Insurance is the new product added to the already existing ones including the Vanguard Home Assurance, Vanguard Shopowners Insurance. This policy seeks to protect ladies from accidents sustained in the kitchen.

Vanguard Assurance had taken into consideration the risks ladies go through in preparing dishes and has therefore come out with the Ladies Kitchen Insurance to cover them. For example, gas explosion, knife injury, injury from fufu pounding and hot water burns, are some of the hazards our women go through just to prepare food for themselves or their families. Preparation of food is not that easy as we may think. Women especially, go through a lot of stress in doing so. There could be gas explosion, causing severe damages to her beautiful face, hot water pouring on her or even being injured by a knife-cut.

Vanguard sees the need to developing an insurance purposely to care for these ladies and address the risks they face.

The Vanguard Ladies Kitchen Insurance Policy has a maximum Capital Benefit of GH¢10,000.00 to be paid as a compensation in the event that the injury leads to the death of the person.

Other injuries sustained, such as knife cut, pounding fufu, and burns he said, can attract a compensation ranging from 20% of the capital benefit up to 60%.

The Ladies Kitchen Insurance which is unique in its nature in Ghana has a flat premium of GHC150.00. However, where the client has an existing comprehensive motor or home insurance policy and wants it as an added cover, only an amount of GH50.00 shall be charged as premium.