Ghana National Bureau

The Ghana National Bureau of the ECOWAS Brown Card Insurance Scheme was established under ECOWAS Protocol A/PI/5/82 to handle claims arising from international motor traffic accidents within the sub-region in addition to issuance of Brown Cards to motor underwriting companies. It was registered as a Company Limited by Guarantee under the Companies Act 1963 (Act179) on June 1, 1987.

In compliance with Article5(2) of the Protocol, the Bureau was managed by the State Insurance Company Limited from inception until the year 2004. Following the privatization of SIC, there came the need to create an independent body to manage the Bureau. For economic reasons, the bureau was attached to the Ghana Insurers Association to form a Joint Secretariat. This arrangement expired in December 2009.

The Ghana National Bureau is now a fully-fledged and independent body under the supervision of a Board of Directors/Executive Committee in accordance with the Companies Act. The Bureau is managed by the General Secretary/CEO and supported by a small number of personnel.


We aspire to be the best performing National Bureau of the ECOWAS Brown Card Insurance Scheme and to maintain a vibrant, dynamic and self-sustaining Bureau that operates in tandem with the tenants of the ECOWAS Brown Card Insurance Scheme Protocol.


The Ghana National Bureau shall:

1. Harness the collective efforts of member companies to achieve the core objective of the ECOWAS Brown Card Insurance Scheme.

2. Ensure that victims of motor road accidents are promptly and fairly compensated for injuries sustained, and damage caused to their properties by non-resident motorists.

3. Administer the Scheme effectively and efficiently to achieve the ECOWAS’ objective of Economic Integration, and Free Movement.