Motor Insurance in Nigeria
Four coverage options tailored for Nigerian roads and drivers
Protect Your Vehicle with Nigeria's Most Reliable Insurance
Whether you're commuting in Lagos traffic, driving across the country, or parking in Abuja, your vehicle deserves the best protection.
At VehicleInsure, we offer four types of motor insurance policies designed to meet different needs and budgets. All our policies comply with Nigerian insurance regulations and are backed by NAICOM-licensed underwriters.
Choose Your Coverage Level
Select the plan that best fits your needs and budget
Minimum legal requirement for all vehicles in Nigeria. Covers damages to others.
- Third-party property damage
- Third-party bodily injury
- Legal defense costs
- NAICOM compliant
- Own damage cover
- Theft protection
- Fire & flood cover
Complete protection for your vehicle plus third-party liability. Our most popular plan.
- All Third Party benefits
- Own damage cover
- Theft & hijack protection
- Fire & explosion cover
- Flood protection
- Vandalism cover
- 24/7 roadside assistance
Own damage coverage only. Perfect if you already have third-party insurance elsewhere.
- Own damage cover
- Theft protection
- Fire & explosion cover
- Third-party liability
- Flood damage cover
- Vandalism protection
- Roadside assistance (optional)
Protection for you and your passengers in case of accidents, regardless of fault.
- Accidental death cover
- Permanent disability cover
- Medical expenses cover
- Passenger coverage
- Vehicle damage cover
- Third-party liability
- Hospital cash benefit
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 | ||||
| Vandalism Cover | ||||
| Windscreen Replacement |
Included Not Included Optional Add-on
Why Insure With Us
Experience the VehicleInsure difference
Instant Policy Issuance
Get your insurance certificate immediately after payment. No waiting period.
NAICOM Licensed
Fully licensed and regulated by the National Insurance Commission.
Fast Claims Process
Average claim settlement within 48 hours of complete documentation.
Nationwide Coverage
Valid in all 36 states including FCT Abuja. Protection wherever you drive.
What's Covered?
Accidental Damage
Coverage for damage from collisions and accidents
Theft & Hijack
Protection against vehicle theft and carjacking
Fire & Explosion
Cover for fire damage and explosion incidents
Flood Damage
Protection against flooding and natural disasters
Third-Party Liability
Cover for damage to other people's property
Personal Accident
Medical expenses for driver and passengers
Frequently Asked Questions
Everything you need to know about motor insurance in Nigeria
Yes, third-party motor insurance is mandatory for all vehicles on Nigerian roads as stipulated by the Insurance Act. Driving without valid insurance is an offense punishable by law with fines up to ₦250,000 or imprisonment.
Comprehensive includes both own-damage cover AND third-party liability protection—it's complete coverage. 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.
Third-party insurance starts from ₦15,000 per year. Comprehensive insurance typically costs between 3% to 5% of the vehicle's value. Final premiums depend on vehicle type, age, engine capacity, usage, and location.
With VehicleInsure, you receive your digital insurance certificate immediately after payment. It's valid for all legal purposes. Physical documents can be delivered within 3-5 working days at no extra cost.
You'll need a valid means of identification (National ID, Driver's License, or International Passport), vehicle particulars (registration number, make, model, year), and proof of address. For comprehensive cover, vehicle inspection photos may be requested.
You can file a claim online through your dashboard, via our mobile app, or by calling our 24/7 claims hotline at 0800-CLAIM-HELP. You'll need to provide accident details, photos, and a police report (for theft or major accidents).
Ready to Get Covered?
Get your personalized motor insurance quote in under 60 seconds.