Personal Insurance

for you and your family

Products in this category

Star Motor Insurance

Star Motor Insurance Policy is designed to take care of your legitimate liabilities to third parties as well as damage to your vehicle due to fire, theft and other accidental risks in accordance with the Motor Vehicles (Third party) Insurance Act (1958). Bodily injury claims shall be calculated and paid according to the National Insurance Commission’s Limits on Motor Injury and Death Claims (CAP 2021).

Insure with the award-winning insurer and enjoy big savings on your car insurance premiums.


Star Third-Party Insurance

Third-party insurance provides cover for liabilities for third-party property damage up to a limit of GHC 6,000. However, this can be increased at your request. Death and bodily injury sustained as a result of the insured’s negligence are also covered. Our third-party policy affords you the peace of mind to drive and avoid paying out of pocket for damages to third-party cars or properties.


Star Third-Party Fire & Theft

This policy covers your legitimate liabilities to third parties as well as cover for risks of theft and fire in relation to the customer’s vehicle.


Star Comprehensive

his policy sums up the two policies noted above with additional features. It provides liabilities to third parties, as well as theft, fire, scratches, windscreen damage, other accidental damage and malicious damage with regards to the customers’ vehicle.

We would provide our competitive quote after obtaining these details:
  • Year of manufacture
  • Cubic capacity
  • Value
  • Usage (private or commercial, etc)
  • Category (private individual or company)

Star Comprehensive Homeowners

This policy is designed to cover all accidents that are likely to occur at home; loss or damage to your private dwelling (house), as well as your household goods and personal effects.

The Comprehensive Homeowners insurance policy provides five main covers.

Points to note:
  • The first section covers the insured's building against Loss or damage caused by perils such as fire, explosion, lightning, storm, hurricane, tornado, flooding,
    earthquake, volcanic eruption, bursting or overflowing of water tanks, etc.
  • The second section covers the insured’s contents against the above perils as well as burglary.
  • The third section covers the insured’s liability to the public.
  • The fourth section of the policy provides cover for personal accident.
  • The fifth section provides the insured with the actual cost of renting an alternatively reasonable accommodation following an accidental damage to the building for the period necessary for reinstatement (maximum 12 months) for an amount not exceeding ten percent of the full value of the property per annum or the proportionate part thereof monthly.

Star Personal / Group Accident

Star Personal/Group Accident

The Policy is designed to foster the welfare of individuals as well as to reduce the financial strain that an individual could undergo in the event of an accident. Personal Accident insurance is a 24hr worldwide policy to provide compensation to the insured or his legal representative for:

  • Death
  • Permanent total disablement
  • Temporary total disablement
  • Medical expenses

These injuries should be solely caused by violence, accident, or external and visible events.

You may take either PA policy for yourself or a group policy for your family, organization, etc. protecting you and them.

Star Personal Guard

Star Personal Guard is tailor-made no-frills personal accident policy for everyone. It covers Death, Permanent Disablement and Medical Expenses.

The policy has three (3) main limited options for its target market. We have the Silver, Gold and Platinum options.


Silver Cover

The Silver Cover provides a Death and Permanent Disability limit of GHS 5,000 and medical Expense limit of GHC 1,000.


Gold Cover

The Gold Cover provides a Death and Permanent Disability limit of GHS 10,000 and medical Expense limit of GHC 2,000.


Platinum Cover

The last and the widest cover is the Platinum cover. It provides a Death and Permanent Disability limit of GHS 20,000 and medical Expense limit of GHC 5,000.

Policy can be readily assigned to any beneficiary; your capital sum is GUARDED and can be bequeathed to dependents.

Star International Travel Insurance

Travelling is always an exciting activity be it for leisure or business. The fun and excitement
comes with the responsibility to make your journey safe. Your desire to have a fun-filled travel
without worries is what we aim to achieve. Star's Travel Insurance provides cover for travelers
when they leave the shores of Ghana against a broad range of mishaps and host of unforeseen
events that may occur in the course of their trip.


The policy provides cover for Medical, Emergency Service & Repatriation up to €30,000

Additionally, we cover:

  • Hospitalisation
  • Accidental death and permanent disablement
  • Extended accommodation and travel expense
  • Complimentary / Free Insurance Extension
  • Loss of Personal Baggage
  • Compensation for delay in the arrival of luggage
  • Compensation (expense for replacement) for loss of essential documents
  • Compensation for in-flight loss of checked-in luggage
  • Hijack Benefit

We have a wide geographical scope of coverage including the Schengen countries, US, Canada, etc.

You can also learn more about
our Corporate / Commercial products...

Claims with Star Assurance

Star Assurance believes in an easy, stress-free claims process through various means, be it through our portals, app or in person at any of our branches


Approximate ratio of Claims settled

24hr Claims

Call us today to get yours underway!

More about Claims