4th floor of EBID Building ( Right ) : Permanent General Secretariat , Lomé-Togo
Just after 1960, the Heads of State and Government of Africa, after a decade of individual management of conquered sovereignty, decided to split by region to sustain the gains and open other avenues for the development of their respective countries. Thus, several community groups have emerged. This is the case of the Economic Community of West African States (ECOWAS).
The Heads of State and Government, concerned about the safety of users of community roads have developed a system of automatic coverage and claims handling in order to encourage the free movement of goods and people as part of Articles 32, 33 and 34 (Transport, Communication and Tourism) of the Treaty of the Community on the roads and the ECOWAS motorized land vehicles .
Facilitate a free circulation in the Community for international motorists
Allow international motorist the respect for the land motor vehicles insurance in force in the countries of the Community
Encourage the development of trade and tourism between the States
Develop a common system for the settlement of claims arising from the free movement of goods and people within ECOWAS;
What is expected of each one of us if the Scheme must function smoothly ?
Brown Card Scheme is an insurance project. As such, it is a social device designed and introduced to facilitate and give financial guarantees to the movement of motorists and their vehicles across our sub-region .
What must I do when my vehicle causes an accident in another ECOWAS member State ?
You must always remember that your Brown covers you once you covers you once you leave your country of usual residence . So, in the event of an accident and for you to derive full benefit from the scheme, you must do the following:
Where will I obtain my Brown Card ?
The Brown Card is issued on the basis of an original third party insurance cover. So, for you to obtain one, you must go back to the insurance company that issued you with your normal motor insurance cover. Only this insurance company can deliver your Brown Card to you.
How much will my Brown Card cost ?
The question of how much you will pay for your Brown Card is a matter for the National Bureau of your country to decide.
But, Will obtain comprehensive cover with my Brown Card ?
The major concern of the Brown Card Scheme at this moment is to guarantee compensation for material damage, death and bodily injury caused only to third parties. This is simply because compulsory third party cover forms the minimum requirement of the laws of the countries of the sub-region.