Buying a policy
How to get a quote, compare insurers, choose cover, and complete payment.
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Popular questions
Quick answers to the questions our customers ask most often.
You can file a claim three ways: via our online form at the Claims page, by sending a message to Wura on WhatsApp, or by phoning our claims hotline. You'll need your policy number, a description of what happened, and photos or documents supporting the claim. Approved claims pay out within 72 hours.
Most policies are issued the moment your payment is confirmed — typically within 60 seconds. Your certificate and policy schedule arrive by email and WhatsApp. For products that require additional underwriting (e.g. large commercial cover), issuance can take up to 24 hours and we'll keep you updated.
Card payments (Visa, Mastercard, Verve), bank transfer, USSD, and bank-account direct debit. All payments are processed through PCI-DSS certified gateways. We do not store your card details.
Yes. Most policies have a free-look period (usually 14 days) where you can cancel for a full refund if no claim has been made. After the free-look window, cancellations are pro-rated less an administration fee per the insurer's policy terms.
Use the "Forgot password" link on the sign-in page. We'll send a secure reset link to your registered email and WhatsApp. The link expires after 30 minutes for your security.
InsureOnGo operates as a Partnering Insurtech under NAICOM's NIIRA 2025 framework. We are not an underwriter — every policy you buy through us is issued by a NAICOM-licensed insurance company. See our Partners page for the full list.
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Eight categories covering everything from your first quote to your fifth claim.
Payments & refunds
Accepted payment methods, billing receipts, failed transactions, refund timelines.
Browse topicFiling a claim
What to do after an incident, documents required, our 72-hour settlement promise.
Browse topicManaging your policy
Edit details, add beneficiaries, renew or cancel cover, download your certificate.
Browse topicWhatsApp & Wura
Using ChatSure™, what Wura can and can't do, and switching to a human agent.
Browse topicAccount & security
Sign-in, password reset, two-factor authentication, and reporting a compromised account.
Browse topicFor brokers & partners
Onboarding, the InsureOnGo Digital Certification, commissions, and the PlugMe programme.
Browse topicRegulation & compliance
NAICOM, NDPA, NIIRA 2025, complaints procedure and escalation paths.
Browse topicStill need help?
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Need to escalate?
If you’ve already raised an issue with us and aren’t satisfied with the response, our complaints process gives you a clear path to resolution — including referral to NAICOM’s consumer protection unit where appropriate.
View complaints procedure