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We’re taking the familiar Ghanaian expression “Ɛnto wo a da”—a phrase that reflects the mindset that, if something hasn’t happened to you yet, you can carry on as though you’re safe from it. While the expression is often said casually, it can also carry an underlying sense of fear: the belief that something bad is always waiting to happen.
“Ɛto Wo A Da” turns that mindset on its head.
We’re saying that you don’t have to live in fear of the unexpected. With the right insurance cover from Enterprise Insurance, if life throws the unexpected at you, you can stay calm, knowing you have the right protection and support.
It’s not about expecting something to go wrong. It’s about being prepared, so that if it does, you can breathe, stay calm and keep going.
Ɛto Wo A Da — If it happens, stay calm, relax, chill. Enterprise Insurance has got you covered.
Because insurance is ultimately about peace of mind.
Nobody plans to have an accident, lose property to fire, experience a flood, or face another unexpected loss. But these things can happen.
The point isn't to live in fear of what might happen. It's to be prepared so that if it happens, you're not left to deal with the financial burden alone.
Ɛto Wo A Da is about being prepared, protected and able to stay calm when life doesn't go according to plan.
Yes. Paying valid claims is at the heart of what insurance is supposed to do.
Enterprise Insurance has been protecting customers in Ghana for more than 100 years being the first insurance company established in Ghana in the year 1924, and claims payment is a major part of that promise.
In 2025 alone, Enterprise paid more than GHS 300 million in claims.
Our message is simple: insurance should not only be about collecting premiums; it should be about being there when the customer needs us.
Motor Insurance claims that fall within the requirements of the Same Day Payment service are paid on the same day with an average waiting period of just about 1 hour.
Enterprise pioneered its Same Day Claims service in Ghana in 2018.
Not every claim will qualify for same-day settlement. The time required depends on factors such as the type and circumstances of the claim, the documents provided, and whether further assessment or investigation is required.
Our goal is always to make the claims process as fast, simple and transparent as possible.
It means that eligible claims can be assessed and settled on the same day they are filed, once all the necessary requirements have been met.
It is one of the ways Enterprise is changing the traditional perception that making an insurance claim automatically means waiting for a long time.
Same Day Claims is primarily available to customers with Comprehensive Motor Insurance who have minor motor claims. Eligible customers can drive their vehicles to our Airport or Kumasi Adum branches for inspection and submit their repair estimates and other required documents. Where all requirements are met and the claim is valid, it can be assessed and paid on the same day it is lodged.
ClaimXpress is Enterprise Insurance’s digital claims platform that makes it easier for customers to submit and follow up on their claims.
Instead of wondering, “What is happening with my claim?”, ClaimXpress gives customers a more convenient way to submit their claims and track the process.
Less chasing. More visibility. More convenience.
Don't worry. Same Day Claims is not the only way Enterprise handles claims.
Where a claim requires additional assessment, documentation, investigation or other processes, it will continue through the normal claims process.
The important thing is that your claim will be handled according to the terms and conditions of your policy and applicable regulatory requirements.
Enterprise Insurance offers a range of non-life/general insurance solutions, including:
Different products are designed for different risks, so the right cover depends on what you want to protect.
That's okay. You don't need to be an insurance expert to get insured.
Start by asking a simple question:
“What could I lose that I would struggle to replace?”
It could be your car, your home, your business equipment, your income, or something else that's important to you.
Speak to an Enterprise representative, tell us what you want to protect, and we'll help you understand the options available to you.
Our Digital Hub is on standby to assist you on :053 970 0109.
There isn't one price for everyone.
Your premium depends on factors such as the type of insurance, the level of cover, the value of what you're insuring, the risks involved and the terms of the policy.
The important thing is to find cover that gives you meaningful protection at a premium that works for you.
Don't only ask, “How much is the premium?” Ask, “What am I getting for my premium?”
Get a quote on the Enterprise Advantage App web portal: https://my.enterprisegroup.net.gh/insurance
If something happens, report it as soon as reasonably possible and provide the information and documents required for your particular claim.
You can also use Enterprise's digital claims platforms to submit and manage your claim.
For digital claims, visit the Enterprise insurance self-service portal or use ClaimXpress: https://egapps.enterprisegroup.net.gh:4063/landing and follow the instructions provided.
Don't wait until the last minute to report a loss. The earlier you report it, the sooner the claims process can begin.
It depends on the type of claim.
For example, a motor claim may require documents relating to the vehicle, driver and pictures or description of the incident, while a property claim may require evidence of the loss or damage.
Yes.
With ClaimXpress, customers can submit claims digitally and track the progress of their claims.
The idea is simple: you should be able to know what is happening with your claim without constantly wondering or chasing for updates.
If a claim cannot be admitted, the customer should be given the applicable explanation in accordance with the claims process.
If you don't understand the decision, ask questions.
Insurance can sometimes feel complicated, but your Insurer, Broker or Agent should be able to explain the decision and the relevant terms of your policy clearly.
Absolutely not.
Insurance is for anyone who has something they cannot afford to lose or replace easily.
That's why Enterprise has solutions designed for different individuals, families, businesses and market segments—including products tailored to SMEs and the informal sector.
Insurance isn't about being rich. We have policies ranging from as low as GHS 10 for Ekwanso Dwodwo, GHS 50 for Home Content Insurance and so on.
It's about being prepared.
Because trust is built over time.
Enterprise Insurance LTD has more than 100 years of experience in insurance in Ghana, and our commitment to customers is ultimately tested when they need us—not simply when they buy a policy.
Our claims record, digital claims services and Same Day Claims initiative are part of our broader commitment to making insurance more responsive and easier for customers.
Ɛto Wo A Da is not saying that nothing will happen. It's saying that if something happens, you don't have to face it alone. Enterprise Insurance, with our mission to provide you with an Advantage in life, will come through for you.
Life doesn't always give you a warning. Insurance helps you prepare for the unexpected.
So don't live worrying about what could happen.
Get covered. Stay protected.
ƐTO WO A DA.
If it happens, stay calm, relax, and chill. Enterprise Insurance has got you covered.
Message From Babs
Hi, Welcome to Enterprise Insurance Ltd.
My Name is Baaba but you can call me Babs.
Let me know if you have any questions.
