Nagrat Auto Scheme

The scheme was instituted in the year 2007. The NAGRAT Auto Scheme is designed to help teachers procure means of transport at easy and affordable rate. So far the scheme has been able to provide 1200 vehicles of different varieties to teachers in the country.
The scheme is highly subsidized by the government of Ghana in the form of import duty exemption for all cars brought into the country, through NAGRAT, for teachers. The support of government is justified by the desire retain teachers through some different incentive packages which include provision of vehicles to ease transport need of teachers and provision of housing schemes to ease accommodation needs of teachers. Unfortunately, government could not wholly fund these programs for teachers and therefore saw a proposal submitted to the President Kuffour’s NPP government as a welcoming news. Though the idea was that of NAGRAT, government extended the approval to cover member of UTAG and GNAT.
As originators of the idea, we have been more successful in the provision of the cars to teachers.

The Scheme Entails The Folllowing

  • A loan has been contracted from a bank for each individual member of the scheme at a competitive rate payable within 5years.
  • Vehicles are imported CIF Tema and cleared by NAGRAT under the temporary tax exemption from the government of Ghana and in the name of the individual teachers.
  • Vehicles are registered in the joint name of the teacher and the bank. Thus the vehicle being used as collatoral.
  • Vehicles are comprehensively insured by NAGRAT on behalf of beneficiaries. Comprehensive insurance is renewed every year by NAGRAT and certificate forwarded to members.
  • STC valuation certificate is done for members to enable them apply for vehicle maintenance allowances.

Member are now made to pay a deposit to support the scheme as the original loan contracted for the scheme could not at a point support the changing cost of vehicles in the international market, the uncontrollable depreciation of the Ghana Cedi against other currencies and increase in other port handling charges.
There is no specific time frame for the supply of cars. Cars are supplied to qualified applicants on first come first served basis.

To qualify:

  • One must be a member of NAGRAT
  • One must complete an application form.
  • Deduction should commence by the controller and Accountant General's Department
  • Upon picking the vehicle one must pay the stipulated 'TOP-UP'.

A member in difficulty in regard to payment of top-up can contact the welfare chairman of NFL for assistance.
The scheme started with the importation of vehicles such as Toyota, Nissan, VW, Honda, Opel, Ford and others. However, the scheme run into difficulties as regards the above cars, most of which came from the US and Europe, as regard cost. Currently, cars provided include; Daewoo, kia, Hyundai, and Mazda .
Cars are mainly saloon cars, engine capacity not above 1.8cc, not more Than 10 years.

What To Do In Times Of Accident With Car

All accidents are by law supposed to be reported to the police.
Incase of fire, the fire service should be invited to provide fire report.
One must immediately contact the nearest branch of the insurance company for forms to complete. Do not attempt maintenance before reporting to your insurer.
You do not necessarily need police report to be indeminified by the insures unless your insurer is in doubt.
Your insurer is obliged to pay whether you are right or wrong unless there is evidence of intentional damage or intent of fraud or any action based on illegalities which are not purely accidental. Try and take a photograph of the accident as evidence.

The Graduate Teacher for Excellence

Our focus as a united whole is to fight incessant neglect and marginalization of our profession.


NATIONAL ASSOCIATION OF GRADUATE TEACHERS (NAGRAT) - GHANA National Secretariat P. O. Box NM 329 Accra –Ghana 4th July, 2014

Tel:  233-0302-403454



We write to complain about the way and manner government and the Ghana Education Service management have handled grievances of the staff of the service. From 2010 to date, the unions of the Ghana Education Service have raised concerns on grievances that have been left unresolved by the Ministry of Education, the Ghana Education Service, the Fair Wages and Salaries Commission and for that matter government. These grievances have been the major reasons behind various strikes, demonstration; and petitions, and yet their redress remains far from sight. Sir, you would recall that in May 2014 the grievances listed below caused the National Association of Graduate Teachers to serve notice of its intention of industrial action on the National Labour Commission and the subsequent declaration of industrial action. They are:
  1. Second Tier Pension Scheme
  2. Payment of Outstanding Incremental Credits for 2011 and 2012
  3. Non-payment of Transfer Grants and T&T Allowances to Teachers Transferred from 2010 to date
  4. Three (3) Months Pay Policy on Newly Recruited Staff, Promotions and Re-engagement
  5. Revision of WAEC Invigilation Allowances.
Consequent upon that industrial action, a meeting was convened between the government team and the Teacher Unions on 15th May, 2014 to resolve the issues relating to teachers of the Ghana Education Service. At the meeting various agreements were reached on the issues and a Communiqué signed. (Vide copy for your study and use). We wish to bring to your notice that government and the GES management have failed to adhere to the tenets of the Communiqué they signed. A case in point is that on the payments of not more than three (3) months’ salary arrears. The agreement is that District Directors of education would submit completed templates for payment of the remaining arrears to Regional Directors latest by 16th May, 2014 and that payment are expected by the end of June 2014. Sir, we are now in July and most of the templates are still at the District Directorates. Payments for those that have been submitted to headquarters have not been made. On transfer grants, the Communiqué mandated District Directors to collate data on qualified beneficiaries by end of May 2014. Stakeholders were to be invited upon receipt of the data for a verification and validation exercise for payments to be effected. We have moved through June to July, 2014 yet the Stakeholders’ meeting has not been convened. Needless to say, the verifications and validation exercise has not taken place and a date for payment not known. Closely linked to the payment of transfer grant is the staff deployment and rationalization exercise. Government and the GES management agreed to suspend the exercise and source funding for the payment of transfer grants and T&T of teachers transferred since 2010. As of now the outstanding grants and allowance have not been paid yet teachers are being transferred under the exercise Collection of data on teachers who were transferred has been done for the group of 2014 to the neglect of all those transferred from 2010 to 2013. On the strength of that Communiqué and the genuine desire to create the congenial climate for further negotiations, NAGRAT called off its strike on 21st May, 2014. On the same day, the National Labour Commission (NLC) invited the parties to a meeting aimed at resolving the grievances. It is pertinent to point out that while NAGRAT and the FWSC attended the meeting other parties namely the Ministry of Education, the Ghana Education Service, the Ministry of Finance, and the Ministry of Employment and Labour Relations failed to honour the invitation. The NLC scheduled another meeting for 18th June, 2014. The National Labour Commission notwithstanding issued some directive to be responded to by 11th June, 2014 prior to the meeting of 18th June, 2014. (Please find copy attached) Sir, it is interesting to note that the Ministry of Education and the Ghana Education Service which had invited NAGRAT to a meeting on that day postponed the meeting indefinitely when NAGRAT called off the strike. That meeting has not been reconvened to date. This is a clear indication of the lack of commitment of government and the GES management to resolving the grievances of the Ghana Education Service Staff. When National Officers of NAGRAT reported at the premises of the National Labour Commission on 18th June, 2014, they were told that the meeting had been postponed indefinitely. It is almost three (3) weeks now and the National Labour Commission has left the issues hanging without any communication with the leadership of the Association. Sir, teachers are getting increasingly convinced that their grievances are systematically trivialized. We want to state emphatically that should any unpleasant outcome occur, teachers will take no share of blame. Their patience has been stretched to the limit and the disquiet is becoming alarming.   Yours faithfully,     Stanislaus P. Nabome General Secretary Cc:
  1. The Honourable Minister,
Ministry of Education Accra
  1. The Honourable Minister
Ministry of Employment and Labour Relations Accra
  1. The Honourable Minster,
Ministry of Finance Accra
  1. The Chief Executive
Fair Wages and Salaries Commission Accra
  1. The Director General
Ghana Education Service Accra
  1. The General Secretary
Ghana National Association of Teachers Accra
  1. The General Secretary
Teacher and Educational Workers Union Accra
  1. The President
Coalition of Concerned Teachers Accra
  1. All Regional Chairmen,
NAGRAT Regional Secretariat