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Drop your phone number into the quote widget on any page and tap Get a Quote. We text you a one-time link that opens your category-specific quote form (Motor, Health, Travel, etc.) where you complete underwriting in about 2 minutes. You can also start a quote directly on WhatsApp by typing "quote" to Wura — she'll guide you through the same steps in chat.

Once your underwriting profile is complete, we show every NAICOM-licensed insurer that's eligible for your risk profile on a side-by-side comparison page. Each option shows the premium, the cover summary, the claims rating, and the key exclusions. You pick the one that fits and pay directly — the policy is issued in your name by the underwriter you chose.

Card (Verve, Visa, Mastercard), USSD, bank transfer, and direct debit on supported banks. International cards are accepted for travel insurance purchases. All payments go through PCI-DSS certified gateways — we never store your card number.

Yes. The policyholder details (the person being insured) and the payer details (whoever's card is used) can be different. You'll need the policyholder's name, phone number, and email to complete the policy issuance.

Your policy certificate hits your email and WhatsApp within minutes of payment confirmation. For motor insurance, the soft copy is valid for immediate use; FRSC officers nationwide can verify policies digitally via the NIID database.

Yes — until you click Pay now, you can adjust your cover level, add or remove benefits, change the start date, or switch insurers. Once payment is processed the policy is bound and changes need to go through an endorsement (see "Managing your policy").

Most insurers on the platform offer instalment plans (typically quarterly or monthly direct debit). When you reach the payment screen, look for the Pay in instalments option. The first instalment must clear before the policy is bound, and subsequent instalments are auto-debited.

Quotes are based on real-time underwriting data. If you started a quote earlier and came back later, an insurer may have updated their rates, or your risk profile may have changed (a new claim, a new vehicle, a new age band). Premiums shown are guaranteed for 30 days from the original quote date.

Almost always this resolves itself within 15 minutes — payment gateways occasionally take time to settle. If after 30 minutes you still don't have your policy, message us on WhatsApp with your transaction reference (it's in the SMS from your bank). We'll either issue the policy manually or initiate a refund — the funds are never lost.

The receipt is included in the policy confirmation email. You can also re-download it any time from your dashboard at My Policies → [policy] → Receipts. Receipts include the policy number, the premium amount, the payment date, and the gateway transaction reference for accounting purposes.

No hidden charges. The premium shown at quote time is the premium you pay — that includes statutory levies (NAICOM levy, stamp duty) but does not include any service fee added by us. We're paid by the insurer on the policy, not by you.

Yes — all policies on the marketplace include a 14-day cooling-off period during which you can cancel for a full refund if no claim has been made. After 14 days, refunds are pro-rata, calculated against the unused portion of cover. Refunds are processed back to the original payment method within 5–10 business days.

We try the charge three times over five days. If all attempts fail, the policy moves to Grace period for 14 days, during which cover continues. If payment doesn't resolve in the grace period, the policy lapses — you'll need to reinstate or re-purchase. We'll WhatsApp and email you at every step.

Sign in, go to My Account → Payment methods, and add the new card or bank account. You can mark the new method as default; existing recurring policies will switch to it on the next billing cycle (or immediately for the next failed-payment retry).

Safety first — if anyone is hurt, get medical help immediately. Then, as soon as it's safe:

1. Take clear photos of the scene, any damage, and any other parties involved.
2. Note the location, time, and contact details of any witnesses.
3. For motor accidents, file a Police Report at the nearest station — this is required for most motor claims.
4. Start your claim with us on WhatsApp, the app, or the website. The sooner we're notified, the faster we can move.

Three ways:

• WhatsApp: Message Wura with "claim" — she'll walk you through it.
• Web: Sign in and go to My Policies → File a claim.
• Phone: Call our claims line during business hours.

Whichever channel you use, you'll get the same claim reference and the same 72-hour SLA promise.

It depends on the claim type, but the universal list is: policy certificate (PDF or photo), valid government ID, a written claim narrative (or voice note for WhatsApp claims), and photo evidence of the damage. Motor claims also need the police report and vehicle papers. Health claims need treatment receipts. The full per-category list is in your claim form.

Yes — on the marketplace, we maintain a 72-hour settlement SLA for approved claims with complete documentation. The 72 hours is measured from the moment your claim is marked Approved by the underwriter. The approval step itself depends on documentation completeness and any required inspections; most simple claims complete the full cycle in 5–7 days.

For monetary claims, settlement is paid by bank transfer to the account on file (or a different verified account if you specify). For repairs (motor, property), the insurer typically pays the approved workshop or contractor directly — you don't have to front the cost. For medical claims, the hospital or pharmacy is usually paid directly if they're on the insurer's network.

You'll receive a written rejection letter explaining the specific reason — usually a policy exclusion, a documentation gap, or an underwriting issue. You have three options: (1) provide additional evidence if the rejection was for missing documents; (2) appeal to the insurer's claims committee within 30 days; (3) escalate to NAICOM via their formal complaints process. We can help with any of these.

Possibly — it depends on the claim type, the at-fault determination, and your policy's No-Claims Discount (NCD) terms. For motor: an at-fault claim typically resets your NCD. For health: claims don't affect renewal premiums in most plans. For property: a single claim usually doesn't move the needle, but multiple claims in a year can. Your renewal quote will reflect any change.

Sign in and head to your dashboard. My Policies lists every active, expired, or pending policy across all categories. Tap any policy to see the certificate, cover summary, payment history, claims history, and renewal date.

From your dashboard: My Policies → [select policy] → Download certificate. The PDF is digitally signed by the issuing insurer and is accepted nationwide (including by FRSC for motor cover and by visa offices for travel cover).

Yes. For life insurance, beneficiaries are required at the time of purchase. For health insurance, you can add dependants under family plans. To add or change a beneficiary on an existing policy, go to My Policies → [policy] → Beneficiaries → Add/Edit. Some changes require ID verification and may take 1–2 business days to take effect.

We'll WhatsApp and email you 30, 14, and 3 days before expiry. The renewal quote is one tap away on the message — if rates or terms haven't changed, you can renew with one click. If anything material has changed (a new claim, a new vehicle, a new address) the renewal flow will ask you to refresh the underwriting questions.

Yes. Within the first 14 days (cooling-off period), cancellation gives you a full refund. After 14 days, the refund is pro-rata for the unused portion of cover, minus any claims paid. To cancel: My Policies → [policy] → Cancel policy. The cancellation reason is asked for regulatory reporting (this helps us improve).

When a policy lapses, cover ends immediately on the expiry date — any incident from that day forward is uncovered. Most insurers allow reinstatement within 30–60 days of lapse without re-underwriting, but you'll need to pay any backdated premium and may need a fresh declaration. After 60 days, you re-apply from scratch.

Go to My Account → Profile to update your contact details. The change applies to all active policies. For phone and email changes, we'll send a verification code to the new number/address before the change takes effect.

Wura is our AI assistant, available 24/7 on WhatsApp through our ChatSure™ platform. She can answer product questions, generate quotes, accept claims, send policy documents, and process payments — all without leaving WhatsApp. The name "Wura" means gold in Yoruba, reflecting the gold accent in our brand identity.

Tap any "Chat with Wura" or WhatsApp button on the site, or message us directly at the WhatsApp business number listed on the Contact page. Once the conversation opens, just type what you need — Wura responds in seconds.

Wura can: get you an instant quote for any product category; sell you a policy and accept payment via card or transfer; send you a copy of your policy certificate; initiate a claim and collect supporting documents; explain product features and exclusions; book a callback with a human agent.

Wura doesn't handle: complex underwriting cases (high-value commercial risks, unusual occupations); claim approvals or rejections (those go to the underwriter's claims team); legal advice or compliance interpretation; product modifications beyond what the insurer has pre-approved. In any of these cases, she'll route you to a human.

Just type "agent" or "human" in the chat. Wura hands off cleanly — a human agent picks up the conversation history within minutes during business hours (Mon–Sat, 8am–6pm). Outside business hours, you'll get a callback first thing the next business day.

WhatsApp conversations are end-to-end encrypted by Meta. Within InsureOnGo, conversation transcripts are stored under NDPA 2023 controls — encrypted at rest, access-logged, and never shared with third parties except the underwriter on the policy you're discussing. You can request a copy of your data or its deletion at any time.

Tap Get started in the top nav. We need your full name, phone number (Nigerian +234), and email. We'll text you a one-time code to verify your phone. The whole process takes about 30 seconds — there's no password to remember; we use one-time codes (passwordless) or magic-link sign-in via WhatsApp.

We use passwordless authentication. On the sign-in page, enter your phone number or email — we'll send you a one-time code valid for 5 minutes. Enter the code on the page and you're in. If you tick Trust this device, you'll stay signed in for 30 days.

First, check your spam folder for email codes. For SMS codes, ensure your phone has reception. If still nothing after 60 seconds, tap Resend code. You can also switch channels — if SMS isn't working, switch to WhatsApp or Email. After three failed delivery attempts, the system temporarily locks new code requests for 15 minutes to prevent abuse.

Yes. Go to My Account → Security → Two-factor authentication and scan the QR code with Google Authenticator, Authy, or any TOTP-compatible app. Once enabled, sign-in requires both your one-time code and a 6-digit TOTP code. We strongly recommend 2FA if your policies cover high-value assets.

Act immediately:

1. Sign out of all sessions: My Account → Security → Sign out everywhere.
2. Change your phone number or email if you suspect they're compromised.
3. Enable 2FA if it isn't already on.
4. Message us on WhatsApp with "compromised account" — we'll review recent activity with you and roll back any unauthorised changes.

Visit our Partners page to learn about the four partnership tracks (Carrier, Broker, Technology, Distribution), then click Apply to partner. Applications are reviewed within 3 business days. Most partnerships go live within 2–4 weeks.

PlugMe is our entry-tier ambassador programme — the first rung on the Ambassador ladder (PlugMe → IGA → IGDA → iCBA). Ambassadors earn a Connect Bonus of ₦50 per qualified customer referral, with a ₦2,500 Performance Bonus unlocked at 1,032 connects per month. Learn more on the Ambassador page.

The IDC is our in-house training and certification programme for ambassadors, brokers, and partner staff. It covers product knowledge, customer-journey best practice, regulatory compliance under NDPA and NAICOM, and the platform tools (CRM, dashboard, payment flows). Certified individuals earn higher commissions and unlock advanced features.

Commissions are paid monthly in arrears via bank transfer, within 7 business days of the month-end close. You can track your earnings in real time on the partner dashboard, broken down by policy, customer, and product class. Tax certificates for your annual returns are generated automatically.

Yes, with their consent. Customers who arrive via your unique referral link or PlugMe code are attributed to your account. The partner dashboard shows the customer's name (if they consented to sharing), the policy they purchased, the commission you earned, and the status (paid, pending, claimed).

InsureOnGo is a digital insurance marketplace, not an insurance underwriter. We operate under NAICOM's Partnering Insurtech framework as part of NIIRA 2025. Every policy on the platform is issued by a NAICOM-licensed insurer (the underwriter) named on your policy schedule. Underwriting, premium pricing, and claims decisions are theirs — we run the marketplace, the customer experience, and the claims operations.

The Nigerian Insurance Industry Reform Act 2025 (NIIRA) is the legal framework governing insurance and insurtech operations in Nigeria. Among other things, it establishes the Partnering Insurtech licence category — a regulated path for digital marketplaces to operate alongside traditional insurers. We hold this licence and operate under its rules.

Under the Nigeria Data Protection Act 2023 (NDPA). Specifically: data is encrypted in transit (TLS 1.2+) and at rest (AES-256); access is logged and limited to need-to-know staff; we never sell your data; you have the right to access, correct, or delete your data at any time via My Account → Privacy & data. We also hold ISO/IEC 27001:2022 certification for information security management.

Three-step escalation:

1. Talk to us first. WhatsApp or email [email protected]. Most complaints are resolved within 5 business days.
2. Escalate to the underwriter if the complaint relates to a specific policy or claim. We'll share their formal complaints contact.
3. Escalate to NAICOM at naicom.gov.ng — their consumer protection desk handles disputes that aren't resolved at the company level.

Yes. We hold ISO/IEC 27001:2022 certification for our Information Security Management System. The certification is renewed annually after independent audit. We've also completed an NDPA 2023 audit by an accredited Data Protection Compliance Organisation (DPCO).