Where And How To Get A Very Cheap Car Insurance In Nigeria

Car Insurance in Nigeria isn’t new but permit me to say Nigerians still haven’t been able to embrace this development, many see Insurance as a waste of resources and time while others see it as fraudulent. But as for those who see it as a waste of time, effort and money, there are very cheap car insurances, which would be suitable for you depending on the car insurance policy you wish to adopt.

Owing to the fact that the common Nigerian believes insurance are fraudulent, insurance companies in Nigeria though it wise to set up a body, which would sensitize the general public about all forms of insurance and its importance. This gave birth to Nigerian Insurers Association (NIA), established in 1971 as an umbrella organisation for all insurance companies in Nigeria, the NIA promotes and upholds the universally accepted standards of business ethics and professional integrity among its members, using modern technology in maintaining and disseminating information globally. Without shifting focus (How to get Very Cheap Car Insurances In Nigeria) we will be putting you through the steps needed

How to get Very Cheap Car Insurance In Nigeria


  1. Decide on what type of Insurance you want

First thing first, you need to make up your mind on the type of insurance policy you want to adopt, be it a comprehensive insurance policy for your automobile or just a third party insurance policy?

A) The Comprehensive Car Insurance Policy: If you want to adopt this car insurance policy, this is relatively still a very cheap car insurance cover as it includes cover your car in cases of fire, theft, accident and also includes a third party insurance policy.

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B) Third Party Insurance Policy: This is not so different from the comprehensive car insurance policy; in fact it is a cheaper car insurance policy when compared to the comprehensive car Insurance policy. Third party insurance policy covers or indemnifies you from the damages caused by your car on other cars in the case of your negligence or your driver’s negligence while driving the insured car. The third party policy is compulsory according to the Nigerian Insurance Act 2003.


Discuss With A Registered Insurance Company

Getting an authentic but cheap car insurance policy can be quite tricky, be wary not to be swept off your feet by the boys who promises very cheap car insurance policy around licensing offices. If you do, be sure to get fake papers and when you will need the insurance you have spent your hard earned money to do the job in case of any accident or damage, no one will be there to help because you patronized the fraudsters.

If you just bought a new car from an auto dealer, he may offer to provide you with insurance, note that these car dealers are not insurance companies but some of them do have contact or have good rapport with some insurance companies. First, make sure you verify that the insurance company he is referring you to is legally registered. How do you know that? Some good insurance companies in Nigeria which provide trusted services to their customers include:

  1. Cornerstone Insurance
  2. Consolidated Hallmark Insurance
  3. FBN Life
  4. Leadway Assurance PLC
  5. Zenith Insurance PLC
  6. AIICO Insurance PLC
  7. IGI Insurance
  8. Old Mutual Nigeria
  9. Mansard Insurance PLC
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The Insurance companies listed above are only a few of the registered insurance companies that operate in Nigeria and the National Insurance Commission (NAICOM) regulates them, which means there are still smaller insurance companies yet to be listed under NAICOM. To get a comprehensive list of the registered insurance companies in Nigeria simply visit their (NAICOM) website on www.naicom.gov.ng. You can check out the websites of these companies, to get a clearer picture. A better and faster way to do this is to use the insurance quotes services of insurancequotes.ng to request for cost estimates. Each of your quotes request submission is transferred in real time to relevant insurance companies who quickly reach out to you for discussions. This is far more comfortable. All the same, it is better to take your time to achieve a genuine, yet cheap car insurance cover than getting a fast one from illegitimate dealers.

How To Verify Your New Insurance Policy

As soon as you buy your insurance, always endeavour to verify your policy by sending an SMS (Policy number*your vehicle plate number) to 33125 and there you are

On your phone for instance, type AIN/061/310100*AB123YZ and send to 33125. You will receive a message alert telling you that your vehicle is ‘insured’ if you got a genuine insurance policy or ‘not insured’ if the policy is fraudulent. You can visit to website for the Nigerian Insurance Database Portal, www.askniid.org which is the central record of all insured vehicles in Nigeria. The Nigerian police also use ASKNIID to enforce motor insurance law, so ensure that verifying through these methods properly and genuinely insures your vehicle.

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Happy hitch free driving to the potential and exiting drivers and car owners! #BIGGRIN

One thought on “Where And How To Get A Very Cheap Car Insurance In Nigeria

  1. The Federal Government has ordered the sales of uncleared imported vehicles into
    the country in the last three months. Those willing to get a vehicle at 39% off the
    actual priceNOTE:
    (1) Buyers coming to Seme Border should come along with
    their border permit as an evidence of transaction to enter the seme Warehouse and
    buyers should not come along with money and should not pay any money to anyone
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    (2) All home vehicle delivery are off no cost and car must be fully cleared
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    Acura TL #500,000
    Acura ZDX # 700,000
    Audi A4 # 400,000
    Audi A6 #600,000
    BMW 3-Series # 650,000
    BMW 5-Series # 850,000
    BMW X5 # 850,000
    BMW X6 # 1M
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    Ford Explorer # 500,000
    Honda Accord # 550,000
    Honda City #500,000
    Honda Civic # 500,000
    Honda Crosstour #850,000
    Honda CR-V # 750,000
    Honda Odyssey #650,000
    Honda Pilot # 850,000
    Hyundai Accent #550,000
    Hyundai Elantra # 450,000
    Infiniti FX45 # 1.2M
    Infiniti QX4 # 950,000
    Isuzu Trooper # 750,000
    Jaguar S-Type #450,000
    Jeep Liberty # 1.3M
    Kia Sorento # 550,000
    Land Rover Discovery # 1.6M
    Land Rover Freelander # 1.3M
    Land Rover LR3 #850,000
    Land Rover LR4 # 800,000
    Land Rover Range Rover ?#?2M?
    Land Rover # 1.5M
    Range Rover Sport # 1.6M
    Land Rover Vogue# 1.3M
    Lexus GS # 1M
    Lexus GX460 # 950,000
    Lexus RX 300 #650,000
    Lexus RX 330 # 750,000
    Lexus RX 350 # 850,000
    Mazda 6 # 550,000
    Mazda 626 # 650,000
    Mazda MPV #650,000
    Mercedes-Benz C-Class # 650,000
    Mercedes-Benz E-Class # 750,000
    Mercedes-Benz G-Class #550,000
    Mercedes-Benz GLK #750,000
    Mercedes-Benz ML # 900,000
    Mitsubishi Endeavour # 350,000
    Nissan Altima # 450,000
    Nissan Armada #850,000
    Nissan Maxima # 550,000
    Nissan Murano #500,000
    Nissan Pathfinder # 500,000
    Nissan Primera #300,000
    Nissan Xterra # 550,000
    Peugeot 406 #430,000
    Peugeot 407 # 500,000
    Peugeot 607 # 650,000
    Toyota 4Runner # 850,000
    Toyota Avalon # 600,000
    Toyota Avensis #750,000
    Toyota Camry # 350,000 – # 1M
    Toyota Corolla #550,000
    Toyota FJ Cruiser # 750,000
    Toyota Hiace # 1M
    Toyota Highlander # 1M
    Toyota HiLux # 900,000
    Toyota Matrix #550,000
    Toyota Prado # 1M
    Toyota Rav4 # 700,000
    Toyota Sequoia # 450,000
    Toyota Sienna # 650,000
    Toyota Tundra #800,000
    Toyota Venza # 600,000
    Toyota Yaris #550,000
    Volkswagen Beetle#300,000
    Volkswagen Golf #350,000
    Volkswagen Jetta # 400,000
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