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What Country Are We Living In?

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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 The passage and subsequent assent of the Insurance Act 2021 (Act 1061) has repealed the Insurance Act 2006 (724) and now serves as the legal instru­ment for the regulation and supervi­sion of the insurance market.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”.

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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.

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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

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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

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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.

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Contact email/WhatsApp of au­thor:

ataani2000&yahoo.com

0277753946/0248933366

By Charles Neeqaye

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Confronting newborn abandonment in Ghana: when a cry for help is heard in a dustbin- Part 1

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“A woman who abandons her baby in a dustbin at Kasoa Lorry Station is not always a wicked woman. Sometimes, she is a wounded woman whose mind has broken, whose family has rejected her, and whose society has left her with only one terrible option: disappear or be disgraced.”

That is the hard truth Ghana must hear.

In the last 10 days alone, our nation has been confronted with the same painful headline, twice.

Case 1 – Kasoa Main Lorry Station, Central Region: A newborn baby girl was found abandoned inside a dustbin at the public toilet of the Kasoa Main Station. A woman who went to use the facility discovered the infant and raised an alarm. Commercial drivers and bystanders quickly retrieved the baby and rushed her to the Kasoa Polyclinic for emergency medical care.

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Case 2 – Asante Bekwai, Ashanti Region: On Thursday morning, August 20, 2026, a two-week-old neonate was reportedly abandoned by an unknown nursing mother at Bekwai in the Ashanti Region. Residents who came across the child raised the alarm. The baby was admitted to the Bekwai Government Hospital as police commenced investigations.

Let me be clear from the start: Newborn abandonment is wrong. It is dangerous. It is criminal. And it can kill. This article does not excuse it. But if we only arrest and shame, we will never stop it. We must treat the root, not just punish the fruit.

What exactly is newborn abandonment? – The two definitions

The Legal Definition: Under Ghana’s Criminal Offences Act, 1960 (Act 29), Section 96, and the Children’s Act, 1998 (Act 560), abandonment of a child under 12 years is a criminal offence. It is classified as exposure and abandonment, punishable as a misdemeanor or felony. The law sees the mother as a perpetrator.

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The Psychological definition: In clinical textbooks, newborn abandonment is defined as the intentional, permanent relinquishment of all parental rights, care, and responsibilities over an infant within the first 28 days of life without making formal, legal arrangements for care.

To understand this crisis properly, we must not confuse it with child abandonment. Newborn abandonment happens within 0-28 days of life, often driven by acute panic, denial of pregnancy, or postpartum psychosis where the attachment bond never formed. Child abandonment, on the other hand, involves toddlers to teenagers where a bond existed but collapsed over time due to chronic poverty, family breakdown, or parental burnout. One is an acute crisis of the first month; the other is a chronic breakdown over years. Both are harmful, but they need different interventions.

Psychologically, newborn abandonment is the ultimate rupture of the primary attachment bond. Think of a 19-year-old university student who secretly gives birth alone in her hostel room, wraps the crying baby in a polythene bag, and drops it at a refuse dump at midnight. That is not just a crime scene; it is a scene of extreme panic and psychological dissociation.

Why would a mother carry a baby for 9 months and then abandon it?

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This is the question every Ghanaian asks. If you wanted to abandon it, why not abort? The answer is deeply psychological:

1. The psychodynamics of denial of pregnancy: This is a profound defense mechanism, not a lie. The mother’s subconscious mind completely rejects the reality of the pregnancy. She does not gain weight normally, feels no kicks, does not seek antenatal care, and genuinely convinces herself she is not pregnant until sudden, shocking labour pains take her by surprise in a toilet or bedroom.

2. Fantasy of a dissolving problem: This is called cognitive avoidance. She believes “my boyfriend will come back,” “my mother will forgive me,” or “something miraculous will happen before birth.” So she waits, paralyzed, until the baby is here.

3. Barriers to safe abortion: Deep religious guilt, moral anxiety, fear of dying from a back-alley abortion, lack of money for a safe procedure, and family laws force her to carry to term even when she feels incapable.

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4. The shock of reality and acute panic: Upon delivery, the physical presence and crying of the newborn shatters all denial. Confronted with immediate exposure, shame, and reality, her brain enters a trauma response — “fight, flight, or freeze.” For many, it becomes “flight” — physically escape the threat of exposure to survive socially. That is why babies are left in places where others will find them -lorry stations, churches, hospitals.

Source:

Counselor Prince Offei, CPAC’s founder, is a leading Mental Health Professional, Marriage Counsellor, Author, ADR Expert/Arbitrator, and Spectator Newspaper Columnist. He writes on relationships, marriage, parenting, special needs support, and their connection to mental health. For therapy, counselling, or enquiries, contact Counselor Prince & Associates Consult (CPAC) in Accra on 0559850604 / 0551428486.

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Environmental stewardship is an act of worship: The Islamic response to climate change, environmental degradation (Part 4)

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The environmental consequences of illegal mining have reached alarming levels in Ghana. Several major rivers, including the Pra, Ankobra, Offin, Birim and Tano, have experienced significant pollution from illegal mining activities, increasing the cost and complexity of water treatment while threatening the availability of potable water for millions of citizens (Water Resources Commission, 2024; Ghana Water Limited, 2024). These developments underscore the urgent need for stronger environmental governance and collective action.

Islam equally emphasises accountability in governance. The Prophet Muhammad (peace be upon him) taught that every leader is responsible for those under his or her authority (Sahih al-Bukhari, Hadith 7138; Sahih Muslim, Hadith 1829). This principle extends to public officials entrusted with environmental regulation, traditional authorities responsible for communal lands, mining companies, local assemblies, and community leaders. Environmental protection cannot succeed
where accountability is absent.

At the same time, addressing galamsey requires more than law enforcement. Sustainable solutions must tackle the underlying socio-economic realities that drive individuals into illegal mining. Many young people are motivated by unemployment, poverty, and limited economic opportunities. Islamic principles of social justice therefore call for the creation of alternative livelihoods through sustainable agriculture, vocational training, responsible small-scale mining under strict environmental standards, entrepreneurship, and skills development. Environmental protection and economic empowerment should not be viewed as competing priorities but as complementary goals that promote human dignity and national development.

Faith communities also have an indispensable role to play. Mosques, churches, schools, traditional councils, and civil society organisations possess significant influence in shaping public attitudes and behaviours. Imams, in particular, should consistently remind congregations that wealth acquired through actions that destroy communities and Allah’s creation cannot be regarded as a blessing. Religious education should cultivate environmental ethics alongside spiritual devotion, reinforcing the understanding that protecting rivers, forests, and farmlands is an expression of gratitude to Allah and a fulfilment of the trust of Khalifah.

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Ultimately, the struggle against galamsey is more than a campaign to protect natural resources; it is a struggle to uphold justice, preserve human dignity, and honour the trust that Allah has placed upon humanity. Lasting solutions will require strong governance, responsible citizenship, sustainable economic opportunities, and renewed moral leadership. Only when these elements
work together can Ghana safeguard its natural heritage for present and future generations.

Water conservation, waste management and sustainable development: Practical expressions of Islamic stewardship

Religious education should cultivate environmental ethics alongside spiritual devotion, reinforcing the understanding that protecting rivers, forests, and farmlands is an expression of gratitude to Allah and a fulfilment of the trust of Khalifah.

Ultimately, the struggle against galamsey is more than a campaign to protect natural resources; it is a struggle to uphold justice, preserve human dignity, and honour the trust that Allah has placed upon humanity. Lasting solutions will require strong governance, responsible citizenship, sustainable economic opportunities, and renewed moral leadership. Only when these elements
work together can Ghana safeguard its natural heritage for present and future generations.

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Islam is not merely a religion that condemns environmental destruction; it also provides practical guidance for preserving and sustaining the natural world. Through its teachings on moderation, cleanliness, conservation, and responsible consumption, Islam cultivates an environmental ethic that remains remarkably relevant to contemporary challenges such as water scarcity, pollution, waste management, and climate change. These teachings encourage Muslims to become
responsible custodians of Allah’s creation in both private and public life.

Water conservation: A sacred responsibility

Water occupies a unique position in Islam as the source of life and an essential element of worship. Allah says, “And We made from water every living thing. Then will they not believe?” (Qur’an 21:30, Sahih International). This verse reminds believers that water is not merely an economic resource but a divine blessing upon which all living creatures depend. The importance of water is further reflected in Islamic acts of worship. Muslims perform ablution (wudu) before the five daily prayers and ritual bathing (ghusl) under prescribed circumstances.

Yet, despite its central role in purification, Islam strongly discourages wastefulness. The Prophet Muhammad (peace be upon him) once advised one of his companions not to waste water while performing ablution, even when using water from a flowing river (Sunan Ibn Majah, Hadith 425). This timeless guidance establishes the principle that abundance does not justify extravagance.
Conservation remains a religious obligation regardless of the apparent availability of natural resources.

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This Prophetic teaching carries profound implications for contemporary Ghana. Illegal mining has severely polluted many rivers, increasing the cost of water treatment and limiting access to safe drinking water for numerous communities. Climate change has also intensified seasonal variability in rainfall, placing additional pressure on freshwater resources (IPCC, 2023). Against this
backdrop, conserving water is no longer simply an environmental preference—it is a moral imperative grounded in Islamic teaching.

Water conservation should therefore become a shared responsibility among households, educational institutions, industries, and places of worship. Simple practices such as repairing leaking pipes, harvesting rainwater, protecting riverbanks, avoiding contamination of water bodies, and promoting efficient irrigation contribute to safeguarding one of Allah’s greatest blessings. Every effort to preserve water is an investment in public health, food security, and the
wellbeing of future generations.

Unfortunately, indiscriminate disposal of refuse remains a significant challenge in many communities. Plastic waste clogs drainage systems, contributes to flooding during the rainy season, pollutes rivers and beaches, and threatens marine ecosystems. Open burning of waste further degrades air quality and poses serious health risks, particularly for children and the elderly (UNEP,2024).

The author is Chief Imam of Katamanso Municipal and Certified Counsellor and Governnace Expert.

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