ChatSure by InsureOnGo
Partner Prospectus · October 2026

The insurtech sure plug

Insurance that lives where Nigerians already chat.

ChatSure is a complete, WhatsApp-native insurance platform. Customers get a quote, verify their identity, pay, receive their certificate, file a claim and call for roadside help, all inside one WhatsApp chat. No app to download, no branch to visit, in the language they speak.

90M+*Nigerians reachable on WhatsApp
5Languages: English, Pidgin, Yoruba, Igbo, Hausa
0Apps to download
24/7Quote, buy and claim at any hour

Illustrative conversation

The last-mile challenge

Most Nigerians are not uninsurable. They are unreached.

Insurance penetration in Nigeria remains low by global standards. The barrier is rarely interest. It is distance, paperwork, data costs and trust. ChatSure removes each one by meeting customers inside the app they open every day.

Why traditional channels miss the last mile

  • Branches and agents cost too much to reach every town, market and motor park.
  • Insurance apps must be found, downloaded and kept, using scarce phone storage and data.
  • Long forms in English shut out customers who prefer Pidgin, Yoruba, Igbo or Hausa.
  • Cash-heavy customers struggle with card-only online checkouts.
  • After purchase, customers do not know how to claim, so trust erodes.

How ChatSure closes the gap

  • Works inside WhatsApp, already installed on the customer's phone.
  • Lightweight conversations that work well on low-cost phones and modest data.
  • An AI assistant that explains cover in five Nigerian languages.
  • Payment by bank transfer to a dedicated virtual account, or by card.
  • Claims, roadside help and policy questions in the same chat where the policy was bought.

Why ChatSure is the preferred route

Built for the end user, not retrofitted from a website

Zero friction to start

A customer says "Hi" and is served. No download, no password and no new habit to learn.

Photos instead of forms

Customers snap a vehicle licence, passport or ID. ChatSure reads the details and fills in the application.

Speaks the customer's language

Wura, our AI assistant, answers in English, Pidgin, Yoruba, Igbo or Hausa, and explains policy wording in plain words.

Pay the way Nigerians pay

Dedicated virtual accounts for bank transfer, plus card payment, with confirmation straight back into the chat.

Proof in the pocket

Certificates arrive as PDFs in the chat, with the NAICOM ID and NIID number, ready to show at a checkpoint.

Service that builds trust

Claims, roadside SOS, complaints and live agents in the same conversation, so customers renew with confidence.

The customer journey

From "Hi" to a protected customer, in one conversation

  1. Say hiThe customer messages ChatSure and gives consent under the Nigeria Data Protection Act.
  2. VerifyOnboarding with NIN verification and an email one-time code, so every policyholder is a real, verified person.
  3. Get quotesSnap documents or answer a few questions, then compare covers from partner insurers.
  4. PayBank transfer to a virtual account or card payment, confirmed automatically.
  5. Get the certificatePolicy issued with certificate, NAICOM ID and NIID, delivered in the chat.
  6. Stay coveredClaims, roadside help, policy review, renewals and rewards, all in the same chat.

Modules & features

A full insurance operation, end to end

Each module below is live in ChatSure today. Together they cover distribution, underwriting support, payments, servicing, claims and growth.

Buy insurance

Distribution

A guided product menu that turns a chat into a sale, with quotes from partner insurers.

Motor: Third-Party & ComprehensiveMotorcycle & tricycle microinsuranceTravel health Marine cargoHealth (HMO)Personal accidentNYSC corps membersPre-loss vehicle inspection
  • "Get me a motor quote" fast path: real quotes from a simple request.
  • Document reading: vehicle licence, passport and NIN details captured from photos.
  • Pre-loss inspection: customers photograph their vehicle before cover starts, building a visual record for future claims.
  • Medical declaration: completed in chat for health and life cover, matching the web form field for field.

Onboarding & KYC

Trust

Verified customers from the first message.

  • Step-by-step onboarding with consent capture.
  • NIN verification and email one-time codes.
  • "Who am I" card showing the customer's verified profile.

Payments

Collections

Collect premiums the way customers prefer to pay.

  • Dedicated virtual accounts for bank transfer, through partner banks.
  • Card payments through a leading payment gateway.
  • Automatic confirmation and payment-to-policy matching.

Policy issuance

Fulfilment

Proof of cover delivered instantly, where the customer can always find it.

  • Certificate and policy document sent as PDFs in the chat.
  • Policy number, certificate number, NAICOM ID and NIID.
  • Shareable "flex card" of the customer's active policy.

Claims & incidents

Service

First notice of loss in minutes, with evidence captured at the scene.

  • Guided claims with photos and documents, and an instant claim reference.
  • Dedicated flows for stolen vehicles and hit-and-run incidents.
  • Claim-letter help: AI rewrites the customer's claim letter clearly.
  • Status updates by email, and tracking on the web with the claim reference.

Roadside & utilities

Everyday value

Reasons to open ChatSure between renewals.

  • Roadside assistance and SOS requests, with emergency numbers.
  • AI policy review: upload a policy and get a plain-language explanation.
  • Call-back requests, complaints and hand-off to a live agent.

Wura AI assistant

Education

An always-on insurance guide in five languages.

  • Answers questions about cover, claims and premiums.
  • English, Pidgin, Yoruba, Igbo and Hausa.
  • Explains policy wording in simple terms.

Rewards & growth

Acquisition

Turn happy customers into your distribution network.

  • Refer & Earn with personal referral codes.
  • Insurance IQ quiz to build understanding.
  • Ambassador programme and shareable policy cards.

ChatSure CRM: the back office

Operations

Every chat, policy, payment and claim lands in one workspace for your team.

  • Shared WhatsApp inbox with full history, notes and an AI reply assistant.
  • Claims desk with status rules, document review, payout tracking and an insurer webhook.
  • Payment verification, policy records, incidents and customer 360 profiles.
  • Sales pipeline, segments, and email and SMS campaigns, including renewal reminders.
  • Legal & compliance workspace, staff activity reports and per-user feature switches.

Inclusion by design

Explained in the language customers think in

EnglishWhat does third-party cover include?
PidginWetin third-party insurance dey cover?
YorubaKí ni third-party insurance máa ń bò?
IgboGịnị ka third-party insurance na-ekpuchi?
HausaMe inshorar third-party ke rufewa?

Example questions customers can ask Wura in each language.

Global reach, local depth

Built in Nigeria, ready for wherever your customers are

WhatsApp is used in more than 180 countries, so ChatSure travels with your customers. Nigerians abroad can buy cover for family at home, travellers can buy travel health cover before they fly, and partners can take the same conversational model to new markets.

  • The same journeys on WhatsApp and the web portal, sharing one customer profile.
  • API-first: partners plug ChatSure's quotes, policies and claims into their own channels.
  • A multi-insurer marketplace, connected through secure insurer integrations.
  • Signed webhooks that keep insurers and partners in sync on claims and payments.

Who partners with ChatSure

One plug, many ways to reach the last mile

Insurers & underwritersA ready digital channel to sell and service your products at scale, with claims and payments flowing back into your systems.
Brokers & agentsServe more clients without more staff, with every conversation and policy in one CRM.
Banks, fintechs & telcosEmbed insurance in the journeys your customers already use, through our APIs.
Employers & associationsCover staff, members, drivers and traders, with self-service enrolment and claims.
Government & development programmesReach underserved communities at low cost, in local languages, with verified identities.
Diaspora communitiesProtect family back home from anywhere in the world.

Trust & compliance

Regulated product, responsible platform

  • Policies underwritten by licensed partner insurers, with NAICOM IDs on every certificate.
  • Motor policies carry NIID numbers for verification.
  • Consent captured in chat, in line with the Nigeria Data Protection Act.
  • NIN-verified customers and one-time-code email confirmation.
  • Encrypted credentials, private document links that expire, and full audit trails.

Why partners choose us

Fast to launch, simple to run, budget-friendly to scale

  • Live platform: partners add products to an existing channel instead of building one.
  • One team builds, configures and supports it, and adapts it to your products.
  • Lower cost to acquire and serve each customer than branches or field agents.
  • Insight from every conversation, policy and claim, in one CRM.

Plug in

Bring your products to millions of WhatsApp users

Book a demo to see a customer buy a policy, pay and file a claim in one conversation. Then let's plan how your products reach the last mile with ChatSure.

Email [email protected]
Web www.insureongo.com
Office 343 Borno Way, by Hughes Avenue, Alagomeji, Yaba, Lagos, Nigeria

Looking for a CRM for your own business? Read the ChatSure CRM prospectus →

* Estimated number of Nigerians using WhatsApp, based on industry estimates; actual reach depends on marketing, partnerships and customer opt-in. ChatSure does not message people who have not contacted it or opted in.

Illustrative conversation shown on the cover; actual wording, products and prices vary by insurer and product. Insurance products are underwritten by licensed partner insurers; terms and conditions apply.

© 2026 InsureOnGo Partnering Insurtech Limited. ChatSure is a product of InsureOnGo. WhatsApp is a trademark of Meta Platforms, Inc.; ChatSure is an independent service that uses the WhatsApp Business Platform and is not affiliated with or endorsed by Meta. This prospectus is for information only and does not form a contract.