Individual Insurance Plans
Personalized coverage options designed for private car owners
Coverage Designed for You
Whether you're a first-time car owner or an experienced driver, we have insurance plans tailored to your needs and budget. Choose from our four coverage types designed to provide the right level of protection.
Minimum legal requirement
- Third-party property damage
- Third-party bodily injury
- Legal defense costs
- NAICOM compliant
- Own damage cover
- Theft protection
- Fire & flood cover
- 24/7 roadside assistance
Required by law for all vehicles in Nigeria. Covers damages to others but not your own vehicle.
Complete protection
- All Third Party benefits
- Own damage cover (accidents)
- Theft & hijack protection
- Fire & explosion cover
- Flood & natural disaster protection
- Vandalism cover
- 24/7 roadside assistance
- Personal accident cover
Our most popular plan. Full protection for your vehicle plus third-party liability.
Specialized coverage
- Own damage cover
- Theft protection
- Fire & explosion cover
- Third-party liability
- Flood damage cover
- Vandalism protection
- Roadside assistance (optional)
- Personal accident (optional)
Perfect for vehicles already covered by third-party insurance elsewhere. Add-ons available.
Driver & passenger protection
- Accidental death cover
- Permanent disability cover
- Medical expenses cover
- Passenger coverage
- Vehicle damage cover
- Third-party liability
- Hospital cash benefit
- Ambulance service cover
Covers you and your passengers in case of accidents, regardless of fault. Affordable protection.
Coverage Comparison
| Coverage Feature | Third Party | Comprehensive | Standalone | Personal Accident |
|---|---|---|---|---|
| Third-Party Property Damage | ||||
| Third-Party Bodily Injury | ||||
| Own Damage Cover | ||||
| Theft & Hijack Protection | ||||
| Fire & Explosion Cover | ||||
| Flood & Natural Disaster | ||||
| Personal Accident Cover | ||||
| Medical Expenses | ||||
| Roadside Assistance | ||||
| Legal Defense Costs |
Included Not Included Optional Add-on
Why Choose Our Individual Plans
Instant Coverage
Get your insurance certificate immediately after payment. No waiting period—drive protected from day one.
Flexible Coverage
Customize your policy with optional add-ons like roadside assistance and zero depreciation cover.
24/7 Support
Round-the-clock assistance for claims and customer service. We're always here when you need us.
Frequently Asked Questions
For new cars, we strongly recommend Comprehensive Coverage. This plan protects your investment against accidents, theft, fire, flood, and other risks. With a new vehicle, the peace of mind that comes with full protection is invaluable.
Comprehensive includes both own-damage cover AND third-party liability protection. Standalone covers only damage to your own vehicle—it does NOT include third-party liability. Standalone is ideal if you already have third-party coverage elsewhere or want to supplement an existing policy.
Yes! You can upgrade your coverage at any time. You'll only pay the pro-rated difference in premium for the remaining period of your policy. Contact our support team or visit your dashboard to upgrade.
Yes! We offer a No-Claims Bonus (NCB) that increases your discount for each claim-free year, up to 50% off your premium. The longer you drive safely, the more you save.
Personal Accident coverage provides financial protection for you and your passengers in case of accidental death, permanent disability, or medical expenses resulting from an accident. It covers you regardless of who is at fault and includes hospital cash benefits and ambulance service cover.
Ready to Get Covered?
Choose the plan that fits your needs and get an instant quote today.