Insurers Equipped to Better Serve ECOWAS Brown Card Holders

Insurers Equipped to Better Serve ECOWAS Brown Card Holders



Senior insurance officials have recently undergone a two-day training meant to refresh and enhance their knowledge and understanding of the Brown Card Insurance Scheme, an extra-territorial third party motor insurance policy. The event was held at the Ecowas Brown Card Bureau’s secretariat in Banjul.

The Brown Card, introduced in 1982, is issued to vehicles driving from their country to any Ecowas member state and it covers third party liability for injury, death and property damage caused in the visiting country.

The seminar was held to edify motor and claims managers responsible for Brown Card matters in their respective companies was organised by The Gambia National Bureau of Ecowas Brown Card.

Speaking on the occasion, Saihou Samba, Secretary General of the National Bureau, said the objective of the training was to enhance the participants’ understanding of the operations and procedures of the Brown Card scheme.

“They are the ones responsible for Brown Card matters in their offices and as such they should be periodically educated on the developments and practices of the scheme.  This is our responsibility as the National Bureau and it will enable the participants to extend the information to their clients,” he stated.

Mr Samba explained that the Brown Card is an instrument of regional integration as it facilitates free movement of       vehicles within the Ecowas region.

“The holder of the card is protected in case of accident in any Ecowas member state and his insurance company would pay all genuine claims arising from third party liabilities,” he elaborated.

Samba said his office the National Bureau, provides assistance to motorists when accident occurs in The Gambia noting that the Bureau acts as both the handling and issuing agency under the Brown Card scheme.

“As an issuing agency, the Bureau makes the Brown Card available to resident motorists; as it carries out investigations and settlements of claims arousing from accidents incurred by the Brown Card holder, as a handling agency,” he added.

The Secretary General of the National Bureau said increasingly many vehicle owners now understand that the Brown Card is a requirement to cross the common borders within the Ecowas member state and thus acquire it before travelling.

“However, since most of the motorists do not travel outside The Gambia, they do not buy the Brown Card even though they are still exposed to the Brown Card risks,”  Samba said.

This he went on, is because a motorist from a foreign country can cause damages to your vehicle and it is the Brown Card Bureau that is expected to process your claim and make sure you are adequately compensated for the damages.

For this reason, he affirmed, the National Bureau is working towards making the Brown Card cover automatic for all motorists.

“This will ensure that third party victims of accidents within the sub-region are promptly and adequately compensated,” he aserted.

Dawda Sarge, Chairperson of the National Bureau said the two-day training mainly focused on the four documents that govern the operations of the Brown Card scheme in The Gambia and the sub-region.

“The documents that powered the effective implementation of the Brown Card scheme are the Ecowas Brown Card protocol, supplementary protocol, the inter-bureau agreement, and the Harmonised Convention on Brown Card Claims,” he informed the audience.

The Ecowas Brown Card protocol according to Sarge is like the constitution of the Scheme but that even so, a lot of the insurance practitioners do not know its depth.

“So a training like this would help highlight some of the provisions of the protocol so that they can better interpret the benefits of the Brown Card to customers,” he explained.

The Chairperson went on: “This is particularly important on the side of the customers because many of them think that the Brown Card is merely for the border post security when really its benefits are greater than just a demonstration of the card to officers at the border post.”

The two-day training on the Brown Card was conducted by Henry Jawo, a seasoned insurance practitioner who was said to be instrumental in setting up the National Bureau and had been heading it as secretary general until his retirement last year.

His successor, Mr Samba, was also a resource person.

by Fatou Trawally