Connect with us

Features

What Country Are We Living In?

Published

on

In Ghana, when one purchases a car, there is the need to insure it because it is mandatory and a pol­icy which is known as Motor Vehicles (Third Party Insurance) Act 1958. The passage and subsequent assent of the Insurance Act 2021 (Act 1061) has repealed the Insurance Act 2006 (724) and now serves as the legal instru­ment for the regulation and supervi­sion of the insurance market.

As a result of the new policy, the annual premium for the least motor insurance policy-third party insur­ance is now fetching GHc 471.00 for private cars which hitherto cost GHc 70.00 while that of commercial cars (taxis) has been priced at GHc 576.00 per annum.

MOTOR THIRD PARTY ACT 1958

The Motor Third Party Act of 1958 states that “all vehicle owners must have cover that provides unlimited bodily injury and death compensation to third parties such as occupants, fare-paying passengers and pedestri­ans”.

Advertisement

Throughout the world, Motor Vehicle Insurance is mandatory for all vehicles using public roads under the various Road Transport acts and Ghana is no exception. However, fix­ing of amount is done not to inconve­nience motorists and car owners un­necessarily and unduly. Our situation in Ghana, is different with motorists being stretched to unbearable limits.

Besides, car owners and motorists cannot ply our roads if they failed to comply with the road safety regula­tions which include road worthiness certificate which certifies that your car is in good condition to be on the road as well as Driver’s license which authorizes you to drive. These to­gether with motor vehicle insurance, are mandatory for all road users.

HIGH INCREASE IN VEHICLE IN­SURANCE AND OTHERS

It is instructive to know that fees charge for the renewal of road wor­thiness certificate have also increased by huge margin this year, likewise the acquisition of driver’s licence. That is to say, motorists are being subject­ed to harsh and difficult conditions in the country this year.

Advertisement

My car insurance for 2022 is expected to expire on 21st January, 2023. As a normal practice, I do not allow the expiry date to pass com­pletely before renewing my insurance and road worthiness certificate. I therefore, drove to the Kaneshie branch of the State Insurance Com­pany near the Awudome cemetery to my insurance providers to renew my third party insurance cover for which in 2021, I paid a colossal amount of GHc 230.00 for my Toyota Corolla saloon car which is over 10 years old. I anticipated to pay not more than GH¢300.00 in view of the recent increase in the annual premium for third party insurance. I did so to avoid constant harassment from the police who are desperate and cash­ing in this festive periods to squeeze money from innocent motorists and car owners.

UNAUTHORISED ROAD CHECKS BY POLICE

It may interest my readers to know that even on my way to SIC office from Mamprobi in Accra, I was confronted on two occasions by police personnel who massed at van­tage points along the roads conduct­ing what they described as routine checks and doing their own thing. Since my papers were all genuine and intact, I did not have any problem with them at all and was allowed to proceed. Interestingly, you could imagine the number of cars including private ones that had been stopped and interrogated by the police. Defi­nitely, most of them would have to pay bribes to avoid the wicked hands of the police officers who claimed they were on official duty at that time. It is a daily routine for our po­lice personnel to squeeze something out from unsuspecting car owners and motorists and believe me if you go to that area now, you see them there doing their own thing. It is so surprising that the police instead of maintaining law and order by ensur­ing that motorists drive carefully and safely on our roads, they are rather checking car documents and drivers’ licences just after the Christmas and New Year holidays when people have exhausted their finances on family issues.

AN ISSUE FOR THE IGP TO DEAL WITH

Advertisement

This a matter which should en­gage the attention of the Inspector General of Police since some officers are misconducting themselves and soiling the hard earned image of the Ghana Police Service.

Just after the Kaneshie First Light, I spotted not less than 12 cars stopped by the police for interroga­tions. That was not the best for a nation called Ghana and I wondered whether this issue of bribery and cor­ruption would ever end so soon.

The situation in the main auditori­um of the SIC offices at Kaneshie was a different ball game. The hall was virtually empty with less activity in place. Few customers including my­self, who had gone there to transact business or to renew their individual motor vehicles insurance were so amazed with the high premium they were slapped with. It appears that this new fees have not been highly advertised and, therefore when the amounts were mentioned to motorists and the car owners, you could see anger on their faces. The percentage increases, are sometimes more than 150 per cent. Those who could not afford the amount walked quietly from the SIC auditorium fuming. This is the kind of unhealthy situation motorists and car owners are being subjected to in their own country. Is that an issue of Ghanaians being deprived of owning their own cars?

BUSINESS AT THE KANESHIE MAIN SIC AUDITORIUM

Advertisement

What transpired at the SIC of­fice at Awudome in Accra, was not an isolated case as it spans across all the insurance companies across the country. Nobody is blaming or stopping the government from raising the premium of insurance of motor vehicles in the country since it has been a normal practice worldwide. However, in doing so there should be enough and adequate education on the new fees. Besides, we have to take cognisance of the fact that we have an economy which is grappling with difficulties and challenges, a shattered economy in which money is difficult to come by. People continue to enjoy low incomes and are unable to cater for their families and rela­tions. Owning a car in this country is a privilege not a luxury. It comes at a great cost since incomes are invested towards the maintenance and fuelling of the car. With all these economic hardships in place, one expects our leaders to have compassion in fixing rates or premium that would be af­fordable by motorists and car owners. At least these increases should be a bit flexible and accommodative in or­der not to inconvenience car owners and motorists.

BAD NATURE OF OUR ROADS

What is even shocking and surpris­ing is that while steps are taken to in­crease these premiums and charges, most of our roads across the country remain bad and unmotorable, thus contributing to a lot of accidents. Why can’t we spend some of these in­direct taxes to fix our roads to avoid the unnecessary accidents? Just move around Accra and its environs and ob­serve the bad and deplorable nature of the roads. The deep potholes in some of the major roads are, indeed, an eyesore as they pose danger to the vehicles and pedestrians. Typical ex­amples are the road linking Mamprobi to Kaneshie as well as the Kaneshie First Light area, where motorists are confronted with huge potholes. Also, just drive along the Accra-Korle-Bu- Mamprobi road and you will notice the extent of damage on that stretch. The question then is, what are all these taxes from the road sector be­ing used for when most of our major roads remain unmotorable? We pause for an answer from those in charge.

Most Ghanaians are wondering whether in the midst of what is happening, there will be a light at the end of the tunnel. Certainly not at this time, when those who are supposed to manage the economy and for that matter the road sector, are not doing what is expected of them but are interested in squeezing mon­ey from unsuspecting motorists and car owners for their selfish ambitions.

Advertisement

Contact email/WhatsApp of au­thor:

ataani2000&yahoo.com

0277753946/0248933366

By Charles Neeqaye

Advertisement

Continue Reading
Advertisement

Features

From waste to wealth: A practical plan for a circular Ghana

Published

on

The writer

After a heavy rain in Accra, the story Ghana repeats itself is easy to see. Drains overflow, streets turn into streams, and families are forced to wade through waist-deep, dirty water. When the floods finally recede, they leave behind more than just mud; they leave a tangled net of sachet wrappers, takeaway packs, and plastic bags that trap our neighbourhoods.

At the same time, in our homes and markets, piles of cassava peels and spoiled fruits rot in open bins, attracting pests and emitting foul odours. This is not just a nuisance; it is a national economic failure. The plastic blocking our drains and the organic matter that could restore our soils are both being treated as rubbish when they should be treated as resources.

Ghana is at a crossroads. We can continue the “take–make–waste” culture that floods our neighbourhoods, damages public health, and drains local government budgets. Or we can choose a practical, Ghana-ready circular approach: reduce plastics at the source, collect what remains efficiently, and separate organic waste so it becomes compost and bio fertiliser for farming. If Ghana harmonises plastic reduction with urban nutrient cycling, we can solve two national problems with one coordinated system cleaner cities and stronger food security.

The unseen link between plastics, floods, and food prices

Plastic pollution is often framed as an environmental issue. But in Ghana, it is also an infrastructure and public health problem. When drains are choked, flooding damages property, disrupts business, spreads disease, and increases the cost of city management. Assemblies spend scarce resources on emergency desilting and clean-up money that could have improved sanitation systems permanently. But the link does not end there. Our waste crisis is now feeding our food crisis.

Advertisement

Most of what Ghana throws away is not plastic. A large fraction is organic waste biodegradable material that should never be mixed with plastics in the first place. When organics and plastics are mixed in the same bins and the same trucks, everything becomes “dirty”: plastics are harder to recycle and organic matter becomes contaminated and unusable for compost. The result is a lose–lose system where nothing returns to productive use.

This matters because Ghana’s soils are tired. Farmers across the country complain about declining fertility and rising fertiliser costs. If our cities were capturing organic waste cleanly and converting it into high-quality compost or bio fertiliser, that material could return to farms as soil amendment improving yields, reducing dependence on imported inputs, and strengthening resilience. In other words, the waste we bury today is the fertility we import tomorrow.

Why the current approach keeps failing

Ghana’s waste system is still largely designed for “collection and disposal,” not “collection and recovery.” That is why, even when clean-up campaigns happen, the problem returns quickly. We are treating symptoms, not the system. Three structural failures keep recycling and composting from scaling:

1) We do not separate waste at the source: once plastics, food waste, and other refuse are mixed together, it is expensive and often unsafe to sort

Advertisement

2) We have weak accountability for packaging; plastic producers and major distributors profit from packaging, but the cost of cleanup is left mostly to assemblies and taxpayers. That imbalance is unsustainable.

3) We don’t link waste recovery to strong end-markets: recycling and composting only survive when there is steady demand: manufacturers buying recycled plastics and farmers or institutions buying compost. Without guaranteed markets, recovery systems collapse.

The good news is that these failures are not destiny. They are policy choices and can be corrected. To make this real, Ghana must adopt a practical two-stream approach:

  • Stream 1: Dry recyclables (plastics, metals, cartons)
  • Stream 2: Organic waste (food and green waste for composting)

This separation is the bridge that connects plastic reduction to nutrient cycling. When organics are kept separate, compost becomes cleaner and safer. When dry recyclables are not soaked in rot and liquids, recycling capture becomes easier and more profitable.

A Five-Point Policy Package

1. Make Extended Producer Responsibility (EPR) real

Advertisement

Producers and major importers of plastic packaging must help fund its collection and recovery. This is not punishment; it is responsibility. EPR should require: registration of major packaging producers/importers, clear recovery targets, audited reporting, and a ring-fenced fund that supports collection, sorting, and recycling infrastructure. When producers share the cost, assemblies are less overwhelmed and recovery systems become financially viable.

2. Launch citywide source separation starting with pilots that actually scale.

Assemblies should begin with high-impact zones: markets, institutions, and dense neighbourhoods. Keep it simple: two bins (dry recyclables and organics), predictable collection days, community education in local languages, enforcement that is fair and gradual (warnings first, then penalties). The aim is not to punish households; it is to create a new normal that makes sorting easy and consistent.

3. Build composting and bio fertiliser capacity and guarantee offtake to agriculture.
Separation only matters if there is a destination. Ghana should invest in: municipal composting hubs, private compost enterprises, and quality standards to protect farmers from contaminated products. Most importantly, link compost to demand. Government agriculture programmes, district assemblies, and farmer cooperatives can create an offtake market so compost plants do not die from lack of buyers. This is where waste policy and food policy meet.

Advertisement

4. Integrate the informal sector properly because they are already doing the work.
Waste pickers and informal collectors are not a problem; they are part of the solution. Any serious circular strategy must include: contracts or cooperative arrangements, PPE and basic health protections, fair pricing systems at sorting centres, and training on safe handling. If we ignore the informal sector, we lose capacity. If we formalise them without respect, we create conflict. Integration must be practical and dignified.

5. Use public procurement and incentives to grow circular markets.
Circular systems need buyers. Government can help by: prioritising products made with recycled content where feasible, supporting local manufacturing of recycled plastic items (pipes, bins, furniture), providing tax incentives or concessional financing for recycling/composting businesses, and rewarding compliance and innovation instead of only punishing failure.

Final Statement

Ghana’s waste crisis is not only about litter; it is about lost opportunity. Plastic can be recovered. Organic waste can be composted. Jobs can be created across collection, sorting, processing, logistics, and retail. Assemblies can spend less on emergency clean-up and more on permanent sanitation. Farmers can access local soil amendments and reduce vulnerability to imported input shocks. But none of this happens by accident. It requires alignment: environmental regulation, local government action, private sector investment, and agricultural offtake all moving in the same direction. We do not need more sympathy speeches after floods. We need systems that prevent the next flood, reduce the next disease outbreak, and rebuild the next harvest. A circular Ghana is not a dream. It is a decision.

Advertisement

By Lawrencia Yeboah-Duah

Continue Reading

Features

Smooth transfer – Part 4

Published

on

There was quite a decent crowd at the Beach Club. The boys were already seated, and two waiters were standing by them, taking their orders. We also placed ours, and joined the conversation after introductions.                                                                                                                ‘

So madam’, I said as I turned towards Kwakyewaa, ‘What are you studying in France?’ ‘Actually, I just completed my Diploma in Building Decoration. I studied Land Economy at KNUST, and whilst on a visit to France I met a school mate who was studying in a Design School, and after some discussions I also enrolled on the course’.                                                                                                                                                                      

‘That is very interesting. So what aspects of building design did you cover?’                                                                                                       

‘Well, naturally I studied some general aspects of buildings, then I concentrated on the fittings and other things that make them look nice’.                                                                                                                                                                                                      

Advertisement

‘Very interesting. Perhaps you can give me a few interesting design ideas. When are you going back?’ ‘In two weeks. I need to go and find a job’.                                                                                                                                                              

‘I will need to talk with you at some length, before you leave’.                                                                                                                            

 ‘I didn’t know you were into buildings. First I learned that you were into agriculture, but yesterday Esaaba said you were rather into development work in the north’.                                                                                                                                                                          

‘Esaaba is very correct. I have been in development work in the north for three years. But I need to discuss a building project I’m doing in Accra’.                                                                                                                                                                               

Advertisement

‘Anytime. I will be very ready to help’.                                                                                                                                                                 

 After quite a bit of dancing, we decided to call it a night, and I took off with the two ladies for the ride home. ‘David’, Esaaba said, ‘thanks for a wonderful evening. What a lovely place’.                                                                                               

‘Yes indeed’, Kwakyewaa said. ‘Nice place, nice band, and beautiful environment. Many thanks, David’. ‘If you have really enjoyed it as you say, then let’s do it again’.                                                                                                                        

‘We promise!’ the two ladies said as if on cue, and broke into laughter.                                                                                                              

Advertisement

‘David, when do you want to have the discussion you mentioned?’                                                                                                             

 ‘Anytime convenient to you. How about lunchtime on Monday? I can pick you up around eleven-thirty’. ‘It is fine. I don’t have anything planned for Monday. I will be looking forward to it’.

‘I got to the house on Monday as planned, and was about to step out of the car when Kwakyewaa came out, followed by Esaaba’. ‘Esaaba’, I said, ‘I thought you would be at work at the pharmacy at this time’.                                                                                                                                   ‘I should, but I stayed home to do a report for our head office. I am on my way now. I will get off at the roundabout’. ‘I will drop you at the office, but before that, you are joining us for lunch’.                                                                                                                                   

‘Okay Bernard. No objection’.                                                                                                                                                                                                                   

Advertisement

‘Now, Esaaba, I need to mention this. Has Abena informed you that our relationship is over?’                                                                                                       

‘She hasn’t told me in black and white, but I get that impression from her body language and some of her utterances. For example, I was surprised that she was going out last Friday with Jennifer when you came to the house. You had been out of town for a while, and I thought she would want to spend time with you’.                                                                                                                                                                                                                                                         

 ‘We haven’t sat down to discuss this, but as you said, her utterances and body language were a little unusual, but I now have confirmation that she is seeing someone.

Quite a number of people have seen them together, and she used to ask me some funny questions about my work. I hear she has been saying that I am not doing any development work, but I’m rather an agricultural extension officer, and that she has met a wealthy person who can take care of her. She’s free to believe or say anything she likes, so I won’t bother to discuss it with her. I think she would prefer that.                                                                                                                                                                                                                                                                

Advertisement

‘I’m surprised she hasn’t said anything to us. Perhaps she believes that because of our relationship with you, we would not approve’.                                              

‘Maybe, but it’s her life. She’s free to do what she wants. But she can’t stop me from coming to spend time with you guys’

I dropped Esaaba at work, and drove to the office. Kwakyewa greeted Eva and Robert, and after offering her a seat, I introduced them. ‘Now Kwakyewaa’, after my B.Sc. Economics degree I did an MA in Project Management, and got a job as Project Manager with the EU, based in the north. It has been a very enjoyable job, and fortunately well paid. Soon as I started, my mentor advised me to find some run down or uncompleted buildings in prime areas, buy them and, after fixing them up, put them up for sale.

I have done several, and I have now bought a block of six houses. I have just started the process of fixing them. Now, I would like you to take a look at the block, and offer me some advice. First, take a look at these documents’. I opened a page on my laptop and placed it in front of her.                                                                                                                                                                                                                         

Advertisement

 ‘Wow, this is very interesting. You know, I did similar work for a firm in France. When can we go to the site?’ ‘Right now. Eva, would you like to join us? I know Robert is expecting some visitors.’                                                                                                                       

 We spent over two hours at the site, with Eva and I, offering answers to her numerous questions. Finally, we arrived back at the office. ‘This is really exciting, and very impressive. I would like to make some suggestions, on design, painting, and landscape’. ‘You start work tomorrow. Eva or Robert will pick you up, and drop you after work’.                                                                                                                            

‘Okay. I will try to do as much as I can before I leave’.                                                                                                                                                                             

‘You are assuming that I will allow you to leave in two weeks?’ She broke into great laughter. ‘Shall we get a drink before I drop you?’ ‘Of course. Let’s talk in some detail about the project. So you are a very big man. Does Abena know about this?’ ‘No. We had a good relationship until she started spending time with Jennifer. She changed completely, so I quickly lost interest’. ‘Maybe she would not have taken that decision if she really knew the kind of person you are’.                                                                                                                    

Advertisement

 ‘I think I gave her enough indication, but she is easily swayed by appearances. She and Jennifer were always talking about rich people, well dressed people, stuff like that. I resent that. I also like the good life, but I prefer a low profile’.

Continue Reading
Advertisement

Trending