These Terms of Service ("Terms") govern your access to and use of the website and brokerage services provided by Access Insurance Brokers Ltd ("Access Insurance Brokers", "we", "us", or "our"). By accessing this website or engaging our services, you agree to be bound by these Terms.
1. About Us
Access Insurance Brokers Ltd is an insurance broker licensed and regulated by the National Insurance Commission (NIC) of Ghana. We act as an intermediary between you and insurance underwriters, offering advice, policy placement, and claims advocacy across general, life, and health insurance classes.
2. Use of This Website
You may use this website for lawful purposes only. You agree not to:
- Use the website in any way that violates applicable Ghanaian or international law.
- Attempt to gain unauthorised access to any part of the website, its servers, or related systems.
- Submit false, misleading, or fraudulent information through our quote or contact forms.
- Introduce viruses, malware, or other malicious code that may impair the operation of the website.
3. Quotations and Policies
Any quotation provided through this website or through our brokers is indicative and subject to underwriter acceptance, completion of a full proposal, and payment of the applicable premium. A contract of insurance is only formed when a policy is issued by the underwriter and premium consideration is received in line with the National Insurance Commission's rules.
You are responsible for providing complete and accurate information. Non-disclosure or misrepresentation of material facts may result in a policy being voided or a claim being declined.
4. Our Role as Your Broker
As your appointed broker, we act in your interests when sourcing cover, negotiating terms, and handling claims. We are remunerated by commission from the insurer and, where applicable, by fees agreed with you in writing. We will disclose any conflict of interest that may affect our advice.
5. Intellectual Property
All content on this website — including text, graphics, logos, icons, images, and software — is owned by or licensed to Access Insurance Brokers Ltd and protected by copyright and trademark law. You may not reproduce, distribute, or create derivative works from any content without our prior written consent.
6. Third-Party Links
This website may contain links to external sites operated by third parties. We are not responsible for the content, policies, or practices of those sites and provide such links for convenience only.
7. Limitation of Liability
To the fullest extent permitted by law, Access Insurance Brokers Ltd will not be liable for any indirect, incidental, or consequential loss arising from your use of this website or reliance on information published here. Nothing in these Terms limits our liability for fraud, death, or personal injury caused by our negligence, or any other liability that cannot be excluded under Ghanaian law.
8. Privacy
Your personal information is handled in accordance with our Privacy Policy, which forms part of these Terms.
9. Changes to These Terms
We may update these Terms from time to time to reflect changes in our services, regulations, or industry practice. The revised Terms take effect when published on this page. Your continued use of the website after an update constitutes acceptance of the changes.
10. Governing Law
These Terms are governed by the laws of the Republic of Ghana. Any dispute arising under or in connection with them is subject to the exclusive jurisdiction of the Ghanaian courts.
11. Contact Us
If you have any questions about these Terms, please contact us:
- Access Insurance Brokers Ltd
- P. O. Box GP 18993, Accra, Ghana
- info@accessinsurancebrokers.com.gh
- +233 20 000 9274
- +233 24 908 7751