Motor Insurance
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Your vehicle plays an important role in your daily life, and this cover is carefully designed to keep you moving comfortably and confidently, wherever the road takes you.
? THIRD-PARTY MOTOR INSURANCE
Third-Party Motor Insurance is the minimum legally required cover in Nigeria. It protects vehicle owners against liabilities for injury, death, or property damage caused to third parties while using a licensed vehicle.
Benefits
- Unlimited cover for third-party bodily injury or death.
- ₦3,000,000 minimum cover for third-party property damage, in line with statutory requirements.
- Legal cost coverage, provided such costs are reasonably incurred with the insurer’s consent.
Suitability
- Ideal for individuals or businesses seeking essential, legally compliant motor insurance.
- Suitable for vehicle owners who want protection against major liabilities without the higher premium associated with comprehensive coverage.
- Recommended for fleet owners, private car users, and commercial drivers.
? THIRD PARTY, FIRE & THEFT INSURANCE COVER
This policy insures similar risks as highlighted under Third Party Insurance Cover, including loss of or damage to the policy owner’s vehicle and/or accessories on the vehicle as a result of fire, external explosion, self-ignition or lightning, burglary, housebreaking, or theft.
Benefits
- Cover for Third Party injuries or death – Unlimited
- Cover for Third Party Property Damage – ₦1,000,000 (minimum cover)
- Legal costs reasonably incurred with the insurer’s consent
- Compensation for loss of or damage to the policy owner’s vehicle (fire and theft only)
? ADVANCED THIRD-PARTY MOTOR INSURANCE
The Advanced Third-Party Motor Insurance offers a budget-friendly alternative that provides broader protection than the basic Third-Party Insurance, ensuring enhanced value without straining your finances.
Benefits
- ₦3,000,000 minimum cover for third-party property damage.
- Unlimited cover for third-party bodily injury or death.
- Cover for accidental own damage up to the sum insured.
- Medical expenses cover for the insured.
- Legal fees and related expenses.
- Towing of the insured vehicle from the accident scene.
- Fire peril cover (excluding self-ignition).
- Windscreen damage resulting from an accident.
- Flood peril cover.
- Careful driving incentive.
? COMPREHENSIVE MOTOR INSURANCE
This product offers the broadest level of cover available, protecting your vehicle and its accessories against loss or damage from accidents, fire, theft, and other unforeseen events. It also covers legal liability to third parties for injury, death, or property damage. Optional extensions such as Riot, Strike and Civil Commotion, Flood Damage, and Excess Buyback are available at an additional premium.
Benefits
- Comprehensive protection against loss of or damage to your vehicle and its accessories.
- Unlimited cover for third-party bodily injury or death.
- ₦1,000,000 minimum cover for third-party property damage.
- Medical expenses for the insured, the driver, or any occupant of the vehicle at the time of the accident (private vehicles only).
- Coverage for legal costs, subject to the insurer’s consent.
- Compensation for towing charges within or outside the state.
- Enhanced peace of mind through optional add-ons tailored to specific risks.
Suitability
- Ideal for vehicle owners seeking the highest level of protection for their cars.
- Recommended for owners of private or high-value vehicles.
- Appropriate for customers who want the assurance of comprehensive support with flexibility to extend coverage.
