Rule 01
Every owner holds towing cover
A towing subscription, or insurance that includes towing.
What Boapah does
A cover registry for insurers and towing companies, with proof of cover by SMS and a plate check for officers.
Compulsory towing starts 1 January 2027
Every breakdown reported, reached and on record.
Boapah is the operations and compliance layer for Ghana’s towing regime. Motorists report by USSD, SMS or a call. Insurers and towing companies get the job in seconds. Crews work it in an app that keeps going offline. Every step is timed, located and sealed as evidence.
- 3 screens
- to report on USSD, on any phone
- 3 min
- for a towing company to accept
- 30 · 60 min
- arrival targets, city and highway
- Day 0 → 21
- custody notices, sent and proven
01Act 1153 · L.I. 2519
The law changes who answers when a car stops.
From January 2027, every vehicle owner in Ghana must hold towing cover, and a disabled vehicle must come off the road at once. Insurers and towing companies now owe a time-critical field service, and they will need to prove they delivered it.
Until the regime starts
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Days
––
Hours
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Minutes
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Seconds
Rule 02
A disabled vehicle is moved at once
The driver warns other road users and calls their provider.
What Boapah does
A report takes three USSD screens. Its time is on record as the motorist’s proof, and arrival is timed against the target.
Rule 03
Removals are reported
Towing companies notify police or NRSA of every removal.
What Boapah does
A removal notice goes to the authority feed automatically when the vehicle is loaded.
Rule 04
Unclaimed vehicles follow a clock
Storage, notice to the owner, then judicial auction.
What Boapah does
Day 0, 5, 7, 14 and 21 notices with delivery receipts, letters when a text fails, and the auction hand-over.
A summary of publicly reported requirements, not legal advice. Read the full notes on the 2027 rules
02One record, every party
Six parties. One case. No phone tag.
A roadside incident touches a motorist, a call centre, an insurer, a towing company and its crew, sometimes a yard and an authority. Today each keeps its own notes. On Boapah they all work the same case, each seeing only what is theirs to see.
01
Insurers
Deliver the towing add-on without building a fleet.
Learn more
02
Towing companies
Jobs from every insurer’s panel, worked in one app.
Learn more
03
NRSA · MTTD · Police
Every removal and every custody clock, on record.
Learn more
04
Storage yards
Check-in, notices and release, with nothing on paper.
Learn more
05
Motorists
Help by USSD, SMS or a call. No app to install.
Learn more
06
Boapah call centre
People on the phone, day and night, in plain language.
Learn more03A case, end to end
From one call to case closed, every second accounted for.
Here is a breakdown on the N6 near Nkawkaw at 21:14. The motorist uses any phone. The insurer’s panel rules pick the company. The crew works offline in the hills. The authority is told when the road is clear. Nobody has to chase anybody.
21:143G ▮▮▮
*XXX#
123456789*0#
Boapah 1. My vehicle has broken down 2. Accident 3. Check my towing cover 4. Report abandoned vehicle
1▍
CancelSend
Messages · BOAPAH
Boapah case BP-2701-000142: help is being arranged for GR 1234-24. Share your location: boapah.com/c/7KQ2
Boapah case BP-2701-000142: tow truck GT 5521-26 is on the way. Follow progress with the link we sent you.
A motorist dials the Boapah short code, chooses “My vehicle has broken down”, confirms the plate, and receives a text with a case number and a link to share their location, then a second text when the tow truck is on the way.
Since report
00:00:00
Target 60 min
- Accept
- —
- target 3 min
- Arrive
- —
- target 60 min
- Clear
- —
- target 20 min
- 00:00:00
Reported by USSDMotorist
Breakdown · GR 1234-24 · N6 near Nkawkaw. The request time is the motorist’s proof they acted.
- 00:00:02
Cover foundBoapah
Towing cover with the motorist’s insurer. Case routed to their queue.
- 00:00:04
Offered to a panel companyInsurer
Auto-assigned to the nearest accredited company for a saloon. 3-minute accept clock started.
- 00:00:38
Location sharedMotorist
GPS from the case link. High confidence.
- 00:01:48
Accepted · crew assignedTowing company
Truck GT 5521-26, crew of two. Accepted in 1 min 48 s.
- 00:02:10
En routeCrew
The motorist gets a text that the truck is on the way.
- 00:41:12
On site, inside the geofenceCrew
Arrived in 41 min against a 60-minute highway target.
- 00:44:30
Six photos sealedCrew
Time, GPS and a hash chained to the photo before. Taken offline, synced on the move.
- 00:47:05
Signed off by SMS codeMotorist
The motorist reads the code to the crew. No signature pad needed.
- 00:52:40
Loaded · road clearCrew
Off the road in 11 min. Removal notice sent to the authority feed.
- 01:58:00
DeliveredCrew
To the motorist’s mechanic in Kumasi. Drop-off photos and receiver’s code.
- 02:01:00
Charges submittedTowing company
Worked out from the panel rate card and the GPS distance. No hand-typed totals.
- Next day
Approved · case closedInsurer
Evidence pack ready for the claim file. The case link stops working.
04The platform
Built for the control room and the roadside.
One web portal with a workspace for each organisation, a field app for crews, a 24/7 call centre and a separately secured console for Boapah’s own operations team.
Live board
See every open case, and the clock on each one.
Insurers and towing companies watch their cases on one board with SLA countdowns: green on time, amber running short, red when late. Offers expire, routing moves on, and Boapah’s on-call team is paged before a motorist is left waiting.
- Manual, automatic or hybrid routing
- Accept, decline or hand back
- Urgent accidents first
- Pages escalate to a phone call
portal · Live board
Insurer workspace
Live board
14 open2 lateAccra–Kumasi
BP-2701-000142
GR 1234-24
Breakdown
N6 · Nkawkaw
En route
19 min leftBP-2701-000143
AS 7710-23
Accident
Ejisu junction
Police hold
UrgentBP-2701-000145
GE 3391-25
Breakdown
Spintex Rd
Offered
1 min to acceptBP-2701-000146
GW 0457-22
Breakdown
Nsawam bypass
On site
Arrived 24 minBP-2701-000148
ER 2210-21
Compulsory
Konongo
Loaded
8 min overField app
An app crews can use with one hand, without signal.
Crews sign in with a code by SMS and see one step at a time. Arrival is confirmed by geofence, photos are guided and sealed on the phone, and the motorist signs off with a code they read aloud. Steps taken offline show the next one at once.
- Guided photo slots
- Geofenced arrival
- Sign-off by SMS code
- Police-hold recorded
21:56 Offline
Job · BP-2701-000142
GR 1234-24
Silver saloon · N6 near Nkawkaw
2 steps saved on the phone. They send when signal returns.
Inspection photos · 4 of 6
Front
Rear
Left
Right
Plate
Odometer
On site21:51 · inside geofence
Photos sealedTime + GPS + hash
Evidence and claims
A claim file that proves itself.
For every accident, the insurer gets a claim-ready pack: time-stamped, GPS-tagged photos, the crew’s inspection, police details, the motorist’s statement and the full tow record.
Each photo carries a hash chained to the one before. The chain is anchored every day in write-once storage, so anyone can check that nothing was added, removed or changed.
- PDF, JSON and ZIP exports
- Chain proof in every pack
- Claim reference linking
- Pushed to your systems by webhook
Evidence pack
BP-2701-000143
Accident · AS 7710-23 · Ejisu junction · 3 Jan 2027
PDFJSONZIP
#41
#42
#43
#44
- Police
- On scene · Ejisu station · report ref. recorded
- Tow record
- Requested 18:02 · on site 18:31 · held for police until 19:05
- Statement
- Motorist’s own words, added through the case link
chain proof
#44 sha256 9f2c 41d7 … a71e
└ prev #43 41b0 c3e9 … 7d2c
└ anchored 4 Jan 2027 · write-once storage ✓ verified
For NRSA and MTTD
The removal notice is sent before anyone thinks to send it.
Every vehicle taken off the road appears in the authority feed with plate, place, time, destination and operator, and with no names or phone numbers. Compulsory tows, custody counters and auction referrals arrive the same way, in the portal, as CSV or by signed webhook into NRSA’s own systems.
- Compulsory tow orders
- Designated companies and yards
- Plate check for cover
- Anonymised national statistics
authority feed · removals and custody
Today on the corridor
Live · CSV · signed webhook
21:14RemovalGR 1234-24N6 · Nkawkaw → Mechanic · KumasiAccredited operator
20:47CompulsoryER 2210-21Konongo → Designated yardDesignated operator
20:31CustodyGT 8812-20Yard · Day 14 → Auction notice servedYard officer
19:58RemovalGW 0457-22Nsawam bypass → Home · AdentaAccredited operator
No names. No phone numbers. Plate, place, time, destination, operator.
Custody clock
Twenty-one days, every notice proven.
- 0
Day 0
Check-in
Photos, condition, keys and contents. Owner told where the vehicle is.
- 5
Day 5
Reminder
Second notice by text. Delivery receipts kept.
- 7
Day 7
Storage period ends
Daily storage charges start, from the tariff.
- 14
Day 14
Auction notice
Seven days’ notice. Letter served if the text fails.
- 21
Day 21
Referred for auction
Hand-over record for the judicial auction.
05Where we start
Accra to Kumasi, then the country.
We launch on Ghana’s busiest corridor: Greater Accra, the N6 through the Eastern Region and Kumasi metro. City streets and open highway, heavy traffic and patchy signal, all on one route. If it works here, it works anywhere.
- 3
- regions
- ~250 km
- of the N6
- 2
- road types timed
06Built for Ghana’s roads
Designed for 3G, harmattan and the hills past Nkawkaw.
USSD · SMS · VOICE
Any phone, any network
Motorists report in three USSD screens or by calling. The case link opens on 3G and weighs less than a photo.
OFFLINE FIRST
Crews keep working without signal
Steps and photos are saved on the phone and sent in order when the truck finds coverage. The phone’s own time is kept.
TWO AGGREGATORS
Legal texts that arrive
Custody and safety texts go through two SMS networks at once, with receipts. A text that cannot be proven becomes a letter.
GHANAPOSTGPS
Location, however it comes
Browser GPS, a digital address, a landmark or a pin. Dispatch never waits for a perfect location; the crew calls ahead.
URBAN · HIGHWAY
Targets that fit the road
City and highway road areas carry their own arrival targets, set in the rule set and changed without new code.
PLAIN LANGUAGE
Words people understand
Every text and screen is written for a motorist at the roadside. Texts can be translated into local languages.
07Security and trust
Records you can stand behind in a dispute.
Insurers settle claims on it, authorities enforce on it and towing companies get paid on it. So the record has to be beyond argument, and private by default.
- 01
Evidence that holds up
Every photo is hashed and chained to the one before; the chain is anchored daily in write-once storage and cited in each claim pack.
- 02
An audit trail nobody can edit
Case events, audit logs and evidence logs are append-only at the database level. Even Boapah staff cannot rewrite them.
- 03
Each organisation sees its own cases
Row-level security separates insurers, towing companies, yards and authorities inside the database, not just in the screens.
- 04
Sensitive actions take two people
Staff sign in with two-step codes; rule changes, grants of admin rights and reactivations need a second approver.
- 05
Personal data kept to a minimum
No names or phone numbers in the authority feed or partner payloads. Motorists can ask for an export or erasure.
- 06
Neutral by design
Boapah never sells cover and never competes for your customers. Money is tracked on the platform, never held.
Design partners · Accra–Kumasi corridor
Be ready on day one of the new rules.
We are onboarding a small group of insurers, accredited towing companies and storage yards on the Accra–Kumasi corridor before January 2027. Partners shape the product, get their covers loaded and crews trained, and go live first.