In a historic moment during the 39th Annual General Assembly of the Council of Bureaux of the ECOWAS Brown Card Insurance Scheme, Ghana’s Henry Bukari, the Managing Director of Phoenix Insurance Ltd., was sworn in as the new Chairman. Mr. Henry Bukari, a seasoned professional with an impressive track record in the insurance industry, now heads the Council of Bureaux after serving as the previous Vice Chairman under his predecessor.
The ECOWAS Brown Card Insurance Scheme, established in 1982, is a regional initiative aimed at facilitating the free movement of vehicles within the Economic Community of West African States (ECOWAS) member countries. This insurance scheme ensures that victims of road accidents involving foreign-registered vehicles, from within the ECOWAS States, receive prompt and fair compensation, fostering harmonious relations among Member States.
Taking over from Mr. Jean Damascène Nignan of Burkina Faso, Bukari’s leadership mantle, which is a one year mandate, promises a renewed focus on digitalization and improved efficiency within the ECOWAS Brown Card framework. His tenure is expected to be marked by a commitment to advancing the goals and objectives of the ECOWAS Brown Card Insurance Scheme. As Managing Director of Phoenix Insurance, Mr Bukari brings a wealth of experience and expertise to the position, potentially steering the Council towards new heights of success.
The swearing-in ceremony was a momentous occasion, symbolizing the official transfer of leadership responsibilities. His Lordship Justice Charles Edward Ekow Baiden, a distinguished Court of Appeal Judge, administered the oath of office to Henry Bukari, emphasizing the importance of upholding the principles and values of the ECOW- AS Brown Card Insurance Scheme.
Ghana’s Commitment to Regional Cooperation
Ghana’s assumption of the Chairmanship reaffirms the country’s commitment to regional cooperation and integration within the ECOWAS framework. As a key player in West Africa, Ghana is poised to play a crucial role in fostering collaboration among Member States and addressing challenges related to cross-border mobility and insurance.
In his inaugural address, Chairman Henry Bukari emphasized the importance of digitizing the ECOWAS Brown Card Insurance Scheme. Recognizing the potential for improvement in the claims process, he articulated,
“We are moving into the phase of digitalization. This will resolve issues surrounding the claims process. Digitization will create a seamless claims process.”
This forward-looking approach indicates a commitment to leveraging technology for the benefit of the Scheme’s stakeholders, ultimately fostering smoother trade and movement within the West African region.
This forward-looking approach indicates a commitment to leveraging technology for the benefit of the Scheme’s stakeholders, ultimately fostering smoother trade and movement within the West African region.
Chairman Bukari underscored the significance of the ECOWAS Brown Card Insurance Scheme in regional integration, describing it as a “hallmark” that facilitates seamless trade and movement within West Africa. The scheme which plays a crucial role in promoting cross-border trade, also ensures that victims of road accidents involving foreign-registered vehicles receive fair and timely compensation.
The transitioning of Henry Bukari from the Vice Chairman of the Council of Bureaux to Chairmanship demonstrates a continuity of commitment to the ECOWAS Brown Card’s mission. The handover ceremony, which saw past Chairmen and General Secretaries of the Ghana National Bureau, being recognized with citations, reflected the legacy of leadership within the Ghana National Bureau and the Council. Notable figures like Peter Osei Duah, Larry K. Jiagge, Godfried L. Djanie, Mark Asiedu, Ambassador Steve Kyerematen, Kwame Ofori, and Victor Obeng-Adiyiah, among others, were acknowledged for their contributions to the scheme. The past leaders recognized during the ceremony serve as a testament to the longstanding commitment and contributions made toward achieving the Scheme’s objectives.
As Ghana takes the lead in the Council of Bureaux for the coming year, the focus on digitalization signals a commitment to staying abreast of technological advancements for the benefit of the ECOWAS Brown Card Insurance Scheme’s stakeholders.
ECOWAS Brown Card Insurance Scheme Set for Digital Transformation Under New Chairman
In a major stride towards modernization, the ECOWAS Brown Card Insurance Scheme is set to undergo digital transformation under the leadership of Chairman Henry Bukari. During a press briefing on the sidelines of the 39th General Assembly and Ordinary Session of the Council of Bureaux of the ECOWAS Brown Card Insurance Scheme, Chairman Bukari unveiled plans for the digitalization initiative that will play a pivotal role during his tenure.
Chairman Henry Bukari highlighted the progress made in the digitalization of the ECOWAS Brown Card within some member countries. In Ghana, for instance, the National Insurance Commission has successfully implemented a digital system. For instance, upon purchasing insurance, individuals automatically receive their ECOWAS Brown Card. According to Chairman Bukari, seven to nine countries in the West African region have taken steps toward digitalization, and the goal is to ensure that all 14 Member States are part of this transformative process.
The move towards digitalization aims to streamline processes and enhance the efficiency of the ECOWAS Brown Card Insurance Scheme. Chairman Bukari emphasized the importance of linking up systems across Member States, creating a seamless experience for individuals and businesses involved in cross-border trade and movement.
With a vision centred on digitalization and improved efficiency, Ghana is poised to lead the way in ensuring that the ECOWAS Brown Card Insurance Scheme continues to be a driving force for regional integration, promoting seamless trade and movement within the West African sub-region.
That notwithstanding, Permanent Secretary Winfred Kwasi Dodzih elucidated the impact of digitalization on transit business through the ports of Ghana. He emphasized that the Brown Card plays a crucial role in the transportation of goods from harbors to hinterland countries. With a digitalized process, accessing the Brown Card becomes easier, verification processes are streamlined, and bottlenecks are eliminated. Mr. Dodzih highlighted the significance of quick claims processing in case of accidents, ensuring that goods reach their destinations promptly.
Transformative Impact of Digitalizing the ECOWAS Brown Card
This forward-looking initiative is expected to bring about a range of benefits that will simplify processes, enhance accessibility, and foster collaboration among the 14 West African Member States.
Digitalization of the ECOWAS Brown Card ensures that the issuance of the card is seamlessly integrated with the purchase of motor insurance. This automated process eliminates unnecessary steps and paperwork, streamlining the overall experience for individuals and businesses. The automatic issuance of the Brown Card upon insurance purchase not only reduces administrative burdens but also contributes to a more user-friendly and time-efficient process.
One of the key advantages of the digital system is its ability to facilitate easy verification of insurance details. With this feature in place, delays at various checkpoints are significantly reduced, ensuring a smooth transit process for goods and vehicles. The quick and efficient verification of the Brown Card contributes to faster border crossings, promoting overall efficiency in cross-border trade within the West African region.
In the unfortunate event of accidents, the digitalized process comes into play, enabling faster and more efficient claims processing. Quick access to relevant in- formation and streamlined communication between stakeholders minimize disruptions to the movement of goods. Timely claims processing ensures that affected parties receive compensation promptly, enhancing the resilience and reliability of the insurance scheme.
Perhaps one of the most impactful aspects of this digitalization initiative is the connectivity it establishes between the digital systems of all 14 West African States. This strategic move promotes enhanced regional integration, fostering collaboration and cooperation among Member States. By breaking down barriers and creating a harmonized digital infrastructure, the initiative paves the way for increased economic collaboration and shared prosperity with- in the West African region.
Chairman Henry Bukari’s leadership in spearheading the digitalization of the ECOWAS Brown Card Insurance Scheme signifies a commitment to harnessing technology for the greater good of the region. As this initiative unfolds, West Africa is poised to experience a more streamlined, accessible, and collaborative insurance framework. The transformative impact of embracing digital solutions extends beyond efficiency gains; it lays the foundation for a more interconnected West Africa, supporting economic growth and regional integration.
NIC Urges Motor Underwriters in ECOWAS Brown Card Insurance Scheme to Ensure Timely Settlements
Mr. Michael Kofi Andoh, the Acting Commissioner of the National Insurance Commission (NIC), emphasized the importance of prompt payments for cross-border accident claims within the ECOWAS Brown Card Insurance Scheme. Speaking also at the 39th General Assembly Ordinary Session of the Council of Bureaux, Mr. Andoh highlighted the crucial role that proper reinsurance arrangements play in sustain- ing the successes achieved and ensuring timely settlements as socio-economic activities continue to rise.
Front view of ECOWAS Brown Card Certificate
Back view of ECOWAS Brown Card Certificate
He revealed that the ECOWAS Brown Card serves as a third-party motor insurance scheme across the West African sub-region. Its primary purpose is to facilitate vehicular movement within the sub-region without the concern of substantial liabilities. These liabilities are transferred to insurance companies through the issuance of the ECOWAS Brown Card, providing a reliable framework for managing risks associated with cross-border accidents.
Mr. Andoh, therefore, acknowledged significant progress in the financing of cross-border accident claims, particularly with the introduction of automatic Brown Card issuance, which has proven to be more efficient. However, he recognized that certain delays persist during transactions and compensations, prompting a call to action. Addressing motor underwriting companies within the ECOWAS Brown Card Insurance Scheme, Mr. Andoh emphasized the need for these entities to honor their obligations promptly and consistently, regardless of the origin of the claim. He underscored the importance of eliminating any form of discrimination and urged companies to uphold the principles of equity and fairness in their operations.
“We call upon the motor underwriting companies to honor their obligations with the same zeal, irrespective of where the claim originates. Discrimination has no place in our operation, and we must always uphold the tenets of equity and fairness,” stated Mr. Andoh.”
As the West African region experiences increased movements of people, goods, and services, the call for timely settlements becomes even more critical. The NIC boss’s emphasis on proper reinsurance arrangements and the elimination of delays underscores a commitment to the efficient functioning of the ECOWAS Brown Card Insurance Scheme.
Enhancing Awareness and Efficiency: ECOWAS Brown Card Insurance Scheme Gains More Support
Madam Mavis Boadi Nkansah, Deputy Minister for Foreign Affairs and Regional Integration, recently represented Shirley Ayorkor Botchwey, the sector Minister, at a gathering discussing the ECOWAS Brown Card Insurance Scheme. During the meeting, Madam Nkansah urged the National Bureaux to intensify efforts in sensitizing communities about the advantages of obtaining and utilizing the Brown Card. Despite challenges faced by the Scheme, including delays in claims settlement and inadequate funding, Madam Nkansah highlighted the successes achieved and emphasized the need for increased public education.
Madam Nkansah acknowledged that the ECOWAS Brown Card Insurance Scheme, though, has encountered challenges, such as, delays in claims settlement, and inadequate funding for the National Bureau, it has also achieved successes and stressed the importance of public education to overcome these challenges. Expressing the Foreign Affairs Ministry’s commitment to the success of the Scheme, Madam Nkansah called for a collaborative effort between the Ministry and the Ghana National Bureau of the ECOWAS Brown Card Insurance Scheme to embark on a sensitization campaign. The aim is to raise awareness about the advantages of utilizing the Brown Card, promoting a better understanding of the free movement protocol within the West African communities.
As the ECOWAS Brown Card Insurance Scheme continues to circumnavigate challenges and build on its successes, the call for increased public awareness and education becomes pivotal. The collaboration between the Foreign Affairs Minis- try and the Ghana National Bureau signifies a proactive approach to addressing existing challenges and promoting a more informed and engaged community.
Efficient Claims Payment Process
Mr. Winfred Kwasi Dodzih, Secretary-General of the ECOWAS Brown Card Insurance Scheme, thus, provided insights into the efficiency of the claim’s payment process. He emphasized that when accidents occur, the Issuing Bureau and Handling Bureau swiftly agree on the transaction process, leading to prompt payments. Dodzih highlighted the Scheme’s commitment to efficiency, stating, This efficiency in claims payment reflects the dedication of the ECOWAS Brown Card Insurance Scheme to ensuring a smooth and reliable experience for those involved in cross-border accidents. The quick resolution of claims enhances the Scheme’s credibility and contributes to its effectiveness in promoting free movement within the West African sub-region.
The efforts to sensitize communities about the advantages of the Brown Card, coupled with the efficient claim’s payment process, reflect a commitment to improving the overall functionality and impact of the ECOWAS Brown Card Insurance Scheme. As awareness grows, the Scheme is better positioned to fulfil its mandate of facilitating seamless cross-border movement and ensuring timely compensation for those affected by road accidents.
As the West African sub-region strives for increased integration and seamless movement, the role of insurance in mitigating risks and providing timely settlements becomes paramount. The ongoing efforts to uphold principles of equity and fairness are crucial in fostering a reliable and efficient insurance framework that benefits all stakeholders.
Meanwhile, under Henry Bukari’s leadership, the Council of Bureaux is expected to continue its efforts in enhancing the effectiveness of the ECOWAS Brown Card Insurance Scheme. The Chairman, along with the Member States, will likely explore avenues for improvements, such as streamlining administrative processes, promoting public awareness, and ensuring the scheme’s sustainability in the face of evolving regional dynamics.
Hence, Ghana’s assumption of the Chairmanship marks a significant moment in the history of regional cooperation in West Africa. Henry Bukari’s leadership is anticipated to bring fresh perspectives and initiatives to the Council, reinforcing the commitment to the goals of the ECOWAS Brown Card Insurance Scheme. As the region faces ongoing challenges related to cross-border mobility, the leadership transition signifies a collective determination to navigate these complexities and strengthen the bonds of cooperation among ECOWAS Member States.
Overview of the ECOWAS Brown Card National Bureaux
The ECOWAS Brown Card Protocol, initiated in 1982, aims to provide a com- mon insurance cover for third-party liabilities incurred by motorists crossing national boundaries. Its main objectives include ensuring fair compensation for victims of accidents caused by non-citizen motorists and promoting free movement objectives within the region.
The ECOWAS Brown Card Insurance covers third party liability incurred by motorists according to the laws of each member state.
Council of Bureaux
The Permanent Secretariat of the ECOWAS Brown Card Scheme, is head-quartered in Togo, with National Bureaux across 14 member states in the West African Sub region. At the helm of coordination and supervision lies the Council of Bureaux, comprising representatives from member states and the ECOWAS Commission.
Henry Bukari
As the current Chairman of the Council, Mr. Henry Bukari brings his wealth of experience in the insurance sector to bolster the scheme’s governance and its effectiveness. Academically, Henry Bukari holds an MBA from the University of Leicester and a BA (Hons) in Political Science and Sociology from the University of Ghana. Mr. Henry Bukari’s illustrious career in insurance commenced in 2002 with SIC Insurance Company Ltd, progressing through various roles. He is the current Managing Director of Phoenix Insurance Company Limited in Ghana.
Winfred Dodzih
On the other hand, Mr. Winfred Kwasi Dodzih is the Secretary-General of the ECOWAS Brown Card Insurance Scheme. Winfred Kwasi Dodzih is a seasoned professional with a wealth of experience in insurance and regulatory affairs. He plays a pivotal role in facilitating communication and ensuring the Scheme’s smooth operations across member states. He also plays a pivotal role in advancing the objectives and operations of the Regional Insurance Initiatives.
National Bureaux
The National Bureaux play a crucial role in issuing ECOWAS Brown Cards, and handling cross border motor claims, ensuring prompt settlement of claims arising from accidents caused by foreign motorists.
Member states are responsible for enacting laws, establishing National Bureaux, and ensuring their solvency. Motor insurers issue Brown Cards to policy holders and reimburse National Bureaux for compensation payments.
Ghana established its National Bureau in 1987 and has since been in operation to date. Established under the ECOWAS Brown Card Protocol, the Ghana National Bureau plays a pivotal role in ensuring prompt and fair compensation for victims of cross-border motor accidents within the sub-region. Registered as a Company Limited by Guarantee, the Bureau operates independently under the supervision of a Board of Directors/Executive Committee. The Bureau spearheads initiatives aimed at advancing the scheme’s objectives within Ghana. Through collaborations with stakeholders such as the National Insurance Commission, Ghana Police MTTD, and Ghana Haulage Transport Drivers/Owners Association, the Bureau has facilitated road transit and promoted motor insurance coverage within Ghana and across ECOWAS member states. Regular meetings with counterparts from other National Bureaux ensure prompt settlement of claims and continuous improvement of the Brown Card Scheme.
Mr. Benjamin Yamoah
The Ghana National Bureau is led by Mr. Benjamin Yamoah a visionary leader, who is the current Chairman of the National Bureau. Mr. Yamoah is a seasoned professional with extensive experience in the insurance industry. He holds an Executive MBA in Marketing. He is a Chartered Insurer (CII, UK) and a Fellow of the Chartered Insurance Institute of Ghana and has undergone various professional training programs to enhance his expertise in the field. As the Chairman of the National Bureau, Mr. Yamoah brings to the table a wealth of knowledge and a proven track record of success. He is known for his decisive decision-making, ability to inspire teams, and commitment to driving positive change within the insurance industry. He is the current Managing Director of Activa International Insurance Company Ghana.
Mr. Richard Sarbah Eshun
The General Secretary of the Ghana National Bureau, Mr. Richard Sarbah Eshun, is responsible for the day-to-day running of the Secretariat of the Bureau. Mr. Eshun is an accomplished Insurance Executive with both local and international experience. An actuary by profession, he has over twenty-one (21) years of experience in total including nine (9) years in the United States and Eleven (12) years of senior management and directorship roles in Ghana.
A dynamic and decisive leader, Mr. Richard Eshun has over the years leveraged his extensive knowledge and expertise in Insurance and Financial Services to spearhead operational improvements and drive profitability at various institutions.
He holds a Master’s degree in Actuarial Science from the University of Connecticut, U.S.A and a Bachelor of Science degree in Mathematics from the Kwame Nkrumah University of Science and Technology, Ghana. He has leveraged on his skills to initiate a “paperless project” at the Ghana National Bureau by automating the operational processes in the handling of ECOWAS cross-border motor accident claim settlements.
