Electronic Motor Insurance Sticker
Electronic Motor Insurance Sticker
National Insurance Commission (NIC) Commissioner - Justice Ofori
National Insurance Commission (NIC) Commissioner – Justice Ofori

The National Insurance Commission (NIC) says it has begun the implementation of the Motor Insurance Database (MID) policy.

The National Insurance Commission (NIC) which is the Regulatory and Supervisory Body of the Insurance services sector with a broad consumer and prudential regulatory mandate under Section 2(3) of the Insurance Act 2006, (Act 724) wishes to bring to the notice of the general public that it has commenced the implementation of the Motor Insurance Database (MID), effective 1st January 2020.

The objective of the introduction of the Motor Insurance Database (MID) is to curb the menace of vehicles with fake motor insurance stickers plying our roads, thus endangering lives and property.

The National Insurance Commission (NIC) instructed that with effect from today 20th January 2020, it is illegal for any non-life insurance company to issue the manual stickers to the Ghanaian public and therefore these companies have up until 24th January 2020, to return any manual stickers in their custody to the NIC.


The NIC is working with the Driver and Vehicle Licensing Authority (DVLA), Motor Traffic and Transport Department of the Ghana Police Service (MTTD) and other stakeholders nationwide to ensure the smooth implementation of the Motor Insurance Database (MID) and also advised the general public to reject any manual sticker (the old insurance stickers), issued after the 20th January 2020.

The attention of the general public is hereby being drawn to the following key features of the Motor Insurance Database (MID):-

Upon the purchase of a valid Motor Insurance Policy, the insured will receive a text message confirming that the Motor Insurance policy is authentic. The following is a sample of the confirmation text message:

Confirming text of Motor Insurance policy
Confirming text of Motor Insurance policy

Members of the general public can verify the authenticity of a Motor Insurance Policy by dialing a USSD code as follows:- Dial *920*57# and follow the instructions

How to Verify Motor Insurance policy
How to Verify Motor Insurance policy

This functionality allows an individual to verify whether a vehicle has a valid insurance before boarding it. The Police can also use this functionality to verify the authenticity of a Motor Insurance Sticker.

The MID comes with electronic Motor Insurance Stickers with QR Codes which are generated from the MID Portal. The QR code can be scanned with a QR Code Reader to verify the authenticity of the sticker and for that matter the insurance policy.

Electronic Motor Insurance Sticker
Below is a specimen of the enhanced ‘look and feel’ of the new Motor Insurance Sticker for theattention of Members of the general public:-

Electronic Motor Insurance Sticker
Electronic Motor Insurance Sticker