1. Purpose
This Host Insurance Requirements Policy ("Policy") establishes the mandatory insurance standards that every Host and vehicle listed on the DRYVE247 Platform must maintain under the Insurance Act, 2021 (Act 1061), the Motor Vehicles (Third Party Insurance) Act, 1958, and platform operational guidelines.
2. Scope
This Policy applies to all private Hosts, commercial fleet operators, and Rental Agencies listing motor vehicles on the Platform within the Republic of Ghana.
3. Definitions
All capitalized terms not defined herein shall bear the meanings set forth in preceding platform documentation.
"Commercial Hire / Rental Endorsement" means a specific policy endorsement, rider, or clause issued by a licensed insurer confirming that the insured vehicle is covered while operated for commercial hire, self-drive rental, or peer-to-peer car sharing.
"Comprehensive Motor Insurance" means an independently issued policy providing the cover specified in its actual schedule, endorsements and exclusions. The label alone does not guarantee cover for every accident, theft, driver, liability or use.
"Motor Insurance Database (MID)" means the centralized national electronic database managed by the National Insurance Commission (NIC) that validates the authenticity of motor insurance policies in Ghana.
"Statutory Motor Insurance" means the motor insurance required by applicable Ghanaian law. Minimum statutory cover alone does not satisfy the Platform's separate comprehensive commercial-use eligibility requirement.
4. Parties Covered
This Policy sets contractual eligibility requirements for DRYVE247, Hosts and Fleet Operators. It does not bind an insurer or broker that has not separately agreed to an obligation.
5. Eligibility
Every listed vehicle must have host-arranged comprehensive insurance suitable for its intended commercial rental or sharing use. This is a Platform eligibility requirement in addition to applicable statutory requirements.
Host-Arranged Policy: The Host must contract directly with an independent NIC-licensed insurer and provide the policy schedule, certificate and written confirmation or endorsement permitting the actual rental, sharing or chauffeured use and eligible drivers.
No Platform Alternative: DRYVE247 does not offer a master policy, per-trip insurance, supplementary cover or enrollment option. A deposit, service fee, booking approval, tracking device or contractual Damage Waiver cannot replace the Host's independent insurance.
6. Rights
Verification Rights: With the necessary lawful authority, DRYVE247 may check policy authenticity through available official channels and request direct confirmation from the issuer. A database or document check does not establish the full scope of insurance cover.
Automatic Suspension: If a vehicle’s insurance policy expires, lapses, or is cancelled by the insurer, DRYVE247 reserves the absolute right to suspend the vehicle listing immediately and cancel upcoming reservations without liability.
7. Responsibilities
Active Windscreen Sticker: The Host must ensure that the official NIC-generated electronic motor insurance sticker containing a scannable QR code is affixed to the vehicle’s windscreen at all times.
Continuous Premium Payment: The Host is solely responsible for paying all insurance premiums and maintaining the underlying policy in good standing.
True Declarations to Insurer: The Host warrants that they have not made false representations to their insurer regarding the commercial use of the vehicle.
Renewal Obligations: The Host must upload renewed insurance certificates to the Platform at least fourteen (14) days prior to the expiration of the current policy.
8. Prohibited Conduct
No Host shall:
List or operate a vehicle that carries only private-use Comprehensive Insurance without disclosing commercial rental or car-sharing activities to the insurer;
List a vehicle carrying only statutory third-party insurance without the independently arranged comprehensive commercial-use policy required by this Policy;
Display a counterfeit, forged, manipulated, or expired motor insurance sticker;
Conceal previous total-loss claims, policy cancellations, or insurance fraud investigations.
9. Operational Procedures
Policy Onboarding Audit: During vehicle onboarding, the Host must upload the full insurance policy schedule, certificate of insurance, and clear photos of the windscreen insurance sticker.
Policy Verification: Record the available authenticity check and obtain issuer confirmation of rental use, eligible drivers, territory, relevant limits and expiry where needed. Do not treat MID authenticity or listing approval as proof that every proposed use or loss is insured.
Execution of Declaration: The Host must digitally sign the Host Insurance Declaration (Document 66) before the listing can be activated.
10. Evidence and Documentation Requirements
The Host must provide:
Official Certificate of Motor Insurance issued by an NIC-licensed underwriter;
Full policy schedule indicating coverage limits, excesses, and commercial hire endorsements;
Scanned photo of the official NIC MID QR code sticker.
11. Payments and Financial Consequences
Insurance Shortfalls: The Host remains responsible for maintaining the required independent policy. DRYVE247 does not assume loss or pay a shortfall where an insurer rejects or limits a claim. Any liability of a Host, Renter or other person is determined by their agreements, evidence and law.
Indemnification: The Host agrees to defend, indemnify, and hold harmless DRYVE247 LTD from any third-party claim, subrogation demand, or lawsuit resulting from invalid, inadequate, or lapsed insurance.
12 Independent Insurance Responsibilities
No Insurance Business: DRYVE247 does not provide, sell, arrange, underwrite, issue or administer insurance for users, collect premiums, enroll vehicles in cover or receive user insurance settlements.
Underwriter Authority: The licensed insurance underwriter determines whether an incident is covered under the policy terms and conditions, subject to the Insurance Act, 2021 (Act 1061).
13. Privacy and Data Protection
Insurance records, policy schedules, and claim histories are processed and stored in accordance with the Data Protection Act, 2012 (Act 843) and Document 24.
14. Safety Obligations
Independent Insurance: Maintaining the required policy supports lawful vehicle operation and potential recovery under its terms. DRYVE247 does not guarantee compensation, acceptance of a claim or the timing of an insurer's payment.
15. Reporting Obligations
The Host must notify DRYVE247 within twelve (12) hours of receiving any notice of cancellation, non-renewal, alteration of terms, or repudiation of coverage from their insurance company.
16. Disputes
Insurance Disputes: The Host or other policy claimant deals directly with the independent insurer, its complaints process and any competent regulator or court. Platform dispute procedures cannot determine or bind insurance coverage or settlement decisions.
17. Enforcement
Ongoing Verification: Require current policy evidence and record permitted authenticity checks. Pause the listing when required evidence expires, is disputed or cannot be verified. Any automated MID process must be separately confirmed as available and authorized; it is not insurance administration.
18. Suspension and Termination
Operating an uninsured vehicle on the Platform is a material safety violation that results in immediate, permanent debarment of the Host from the DRYVE247 Platform.
19. Applicable Law
This Policy is governed by the laws of the Republic of Ghana, specifically the Insurance Act, 2021 (Act 1061) and the Motor Vehicles (Third Party Insurance) Act, 1958.
20. International Users
Foreign asset owners listing vehicles in Ghana must maintain insurance underwritten by an insurer licensed by the National Insurance Commission (NIC) of Ghana; foreign private policies cannot be substituted.
21. Amendments
DRYVE247 reserves the right to adjust minimum insurance requirements in response to directives issued by the NIC or legislative changes.
22. Severability
If any provision of this Policy is deemed unenforceable, all other requirements remain valid and operational.
23. Contact Information
Host Documentation Compliance Team
DRYVE247 LTD
Email: [HOST DOCUMENTATION CONTACT TO BE CONFIRMED BEFORE PUBLICATION]