Features
What Country Are We Living In?
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 The passage and subsequent assent of the Insurance Act 2021 (Act 1061) has repealed the Insurance Act 2006 (724) and now serves as the legal instrument for the regulation and supervision of the insurance market.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”.
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.
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
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
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.
Contact email/WhatsApp of author:
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0277753946/0248933366
By Charles Neeqaye
Features
Musicians, the Whiteman’s toilet and MEGASTAR

I have often been saddened by the condition of Sikaman musicians. Of course, some are not musicians. They are jokers who think anybody who can sing a hymn is a musician. And why wouldn’t they think so when people think that every man wearing a rasta hair is a reggae musician?
Well, these days, almost everybody is dreaming of becoming a musician, even some ministers and parliamentarians. And it is never too late for them to begin learning the solfas and composing songs like “If You Do Good You Do For Yourself,” after all, life begins at 60 these days. If you die three years later, that’s your luck.
For the jobless, becoming a musical star is an everyday dream. They think when you are a music maker, you automatically break alliance with poverty. They are often mistaken.
I know people who claim they are musicians but are always fasting not because they are devout moslems or are on a hunger strike, but because even one square meal a day is a perpetual wahala. And the only drink they can afford is the poor man’s holy whisky which has a thousand names including ‘Nyame Bekyere’.
Even most of the popular musicians we see in town claiming they are foreign-based stars are more of hustlers than musicians. When they tell you they are going on tour abroad, it is a careful way of saying they are going overseas to scrub the whiteman’s toilet or pick tomato or apples to save their neck from musical poverty.
When they are back to Sikaman, they appear quite flamboyant with chains hanging all over them. They change the few dollars they have scraped, spread it around and promptly get broke. Then they can organise another ‘tour’. In between tours, they struggle to release an album and that levels them up a bit on the financial balance.
It all points to the fact that the life of the average musician isn’t quite organised. He has no calendar, no programme and no concentration on the job. He has to wash plates, become a waiter, janitor and toilet scrubber while finding time to make music. No musician succeeds in life that way.
One musician I’ll always respect, who thinks deeper than the ordinary Sikaman musicians is Carlos Sakyi. He is not like the Kokoase guitar musicians who see the world just in terms of bitters, a willing girlfriend, constant supply of kokonte and jot.
Carlos, often loved for his percussive overtones in gospel music, and once a gospel-rock star, has studied the life of Sikaman musicians and has evolved a blue-print for a great improvement in their lives work, finances and comfort.
In short, he has simulated a Motown-style environment for musicians and his formula is working with accuracy with the five musicians he has started with. The blue-print is what has brought MEGASTAR into being. It was launched on September 15, 1995 at the National Theatre.
When it got launched, many probably thought Carlos was “too know or was dreaming more than he should and won’t think about himself. Anyhow, the MEGASTAR is now an institution musicians can look up to, a big phenomenon with lots of promise for struggling musicians.
Music business in the developed world is not the way we regard it cheaply here. A musician is never distracted by how his finances go; his contracts are entered, his engagements made, his interviews arranged, his personal security guaranteed.
Music is his business and that is where his mind is and his attention focuses. Other aspects of his life are programmed for him by his managers. They hire who has to light his cigarettes, massage him, drive his car and the one who will say “Good Luck” when he sneezes.
A bodyguard whose face is exactly like that of the devil is hired to scare off muggers, psychopaths and criminals in general. Sometimes his girls are organised for him.
So the only thing the musician does apart from sleeping and snoring is to concentrate on making music, and true to it, no one can succeed in any venture when he is distracted.
This is how the Michael Jacksons, Lionel Richies, Dolly Patons and Whitney Houstons have made it with dollars packed and over-flowing. They aren’t any better than Sikaman musicians. The only difference is that they know how to organise their lives.
I managed to corner Carlos Sakyi and asked him to tell me how MEGASTAR was doing. He is the Managing Director of Megastar Limited, a music company that has a board of directors and a chairman. Carlos Sakyi shares the proprietorship with a partner. Carlos himself was one great musician who played for a band that beat Eddy Grant on the charts.
“Megastar is in fact a concept born out of the idea that the future security of the Ghanaian musician which has always been in jeopardy can now be guaranteed. Artistes spend too much of their time doing things on their own, chasing money and not concentrating on music. So their full potential is never realised. Some are in fact producing at quarter-rate. That is why they aren’t making much headway,” he told me.
“Megastar is now giving them the chance of the lives. We handle the interviews of Megastar artiste, their press releases, costume, engagements and everything they hitherto used to do themselves. We get them exposed on M-Net and we have contacted BB to get on their programmes. We handle their finances pay them salaries and bonuses, so they only have to concentrate on music
“Most importantly,” he continued, “we do not make all the decisions. Management always meet with the musicians to take the decisions that affect them.”
But who are the Megastar musicians? One is the great Amakye Dede, a star from birth delivered onto the earth with music on his lips; he is the man who feeds hungry ears with musical salad and harmonic sausages. He is the recipient of many national awards.
Next is Naana Frimpong, a latter-day Carlos-groomed songbird with the voice of an angel. She sings to kill. Her beauty has charmed her audience and they stare and stare at her.
The sensational and fantalising Tagoe Sisters are the next. The twin music machine is one that has produced the cream, arguably the very best, of gospel music all these years. I hear they are inseparable; not even their better-halves can keep them apart. Are they Siamese? They dance, and when on stage, they move the crowd.
Then comes Reverend Yawson who is a known songwriter. He is imbued with the Holy Spirit, speaks in tongues and of course sings in tongues. He is God’s representative on the group.
What about my good friend and super-heavyweight, Jewel Ackah? He is a star figure. His appearance is awe-inspiring, his voice golden. A great delight to be-hold when at his best in stage-craftsmanship, he has beaten his contemporaries to it both on land and on sea.
They are the pioneers of the Motown idea. They are all releasing new albums this year. Let’s see how it all goes.
Features
The rise of female rage: Unpacking the complexity of women’s anger
In recent years, the term “female rage” has gained significant traction, symbolising a collective shift in how women’s emotions are perceived and addressed.
This phenomenon is not merely a fleeting trend but a profound movement rooted in centuries of systemic injustices, personal betrayals, and societal expectations.
As women increasingly reclaim their anger, it is imperative to understand the multifaceted nature of female rage, its causes, and its implications for individuals and society at large.
The historical context of female anger
Historically, women’s emotions have been subject to dismissal, ridicule, and pathologisation. The term “hysteria,” originating from the Greek word for uterus, was used to describe women’s emotional states as irrational and uncontrollable.
This legacy of silencing and shaming has contributed to a culture where women’s anger is often suppressed or stigmatised.
However, with the rise of feminist movements, women are challenging these narratives, asserting their right to express anger and demand change.
The anatomy of female rage
Female rage is not a monolith; it is a complex and multifaceted emotion driven by various factors, including:
1. Societal expectations: The pressure to conform to traditional roles of passivity, politeness, and emotional labour.
2. Gender inequality and pay gaps: Frustration stemming from systemic discrimination in the workplace and beyond.
3. Sexual harassment and abuse: Trauma and anger resulting from pervasive violence and objectification.
4. Emotional labour and burnout: The unsustainable burden of managing emotions and responsibilities in personal and professional spheres.
5. Hormonal fluctuations: The impact of hormonal changes on emotional states, often overlooked or dismissed.
The power of anger: Reclaiming female rage
Far from being a destructive force, female rage can be a catalyst for change. When acknowledged and channelled constructively, anger can drive advocacy, policy reform, and resistance against inequality.
The #MeToo movement, women’s marches, and increased representation in politics are testaments to the power of collective female anger.
Addressing the Stigma: Towards a more inclusive dialogue
To fully harness the potential of female rage, society must address the stigma surrounding women’s anger. This involves:
1. Validation and recognition: Acknowledging women’s emotions as legitimate and worthy of attention.
2. Creating safe spaces: Providing platforms for women to express anger without fear of backlash.
3. Education and awareness: Challenging stereotypes and promoting understanding of women’s experiences.
4. Support systems: Offering resources and support for women dealing with trauma and systemic injustices.
Conclusion
The age of female rage is a moment of profound transformation, where women’s anger is no longer silenced but celebrated as a force for justice.
By understanding the roots of female rage and addressing the societal structures that fuel it, we can move towards a more equitable and compassionate world.
The journey is complex, but the destination-a society where women’s emotions are respected and their voices are heard is worth the struggle.
References:
[1] Chemudupati, P. (2022). _The Rage of Women: A Historical Perspective_.
[2] Traister, R. (2018). _Good and Mad:
By Robert Ekow Grimond-Thompson




