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Car Insurance Nigeria

Having your own motor vehicle is a privilege with a huge amount of responsibility. Not only must you make sure the car is safe to drive and keep up-to-date with all services and maintenance on the car, but you also need to be financially prepared for any accidental damages - or worse.
Having your own motor vehicle is a privilege with a huge amount of responsibility. Not only must you make sure the car is safe to drive and keep up-to-date with all services and maintenance on the car, but you also need to be financially prepared for any accidental damages - or worse.

Why Do You Need Motor Insurance in Nigeria

By law, all drivers in Nigeria MUST have car insurance. At the very least, you must have third party cover - insuring you for any damage caused by you to another driver’s car. This will ensure that should you be found at fault for an accident, your insurance will be able to pay for any damage or injuries of the other car and driver/passengers.
Having insurance means that should you get into an accident, or you happen to cause damage to someone’s property, you are covered and don’t have to worry financially.

Car Insurance Rates

Your insurance premiums will depend on many deciding factors. The bigger your car, the more horsepower, and of course the higher the value, will all mean higher premiums.
Premiums also work on a risk assessment. The higher the risk you and your car are thought to be, the more you will pay for your insurance. Risk factors include age, gender and even marital status. Statistics of each of these are what decide the risk factor.

Types of Car Insurance

Motor insurance in Nigeria comes in three different packages. These packages are essentially the same for all vehicles, from motorcycles to light motor vehicles as well as vans and trucks.

Third Party

This covers damages, death and injuries of third parties, caused by you. This type of auto insurance is compulsory for all Nigerian drivers.

Third Party, Fire, and Theft

As the name suggests, this covers all third party claims, as well as any fire damage or theft to your own vehicle.

Comprehensive Cover

While not compulsory, this covers everything. From third party claims to damage to your own car. This is a good cover to have.

Best Nigerian Car Insurance Providers

Car Insurance FAQs

Is it illegal to drive without insurance?

You must, by law, have at least third party liability insurance if you are driving on Nigerian roads.

Do I need to insure my motorcycle as well?

Yes – motorcycles, just like motor cars, must be insured with Third Party cover AT LEAST.

How do I know that I am covered by a reputable company?

Top Check Nigeria only works with tried, tested and trusted insurance providers.

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