Product overview
Motor Insurance explained
Motor Insurance helps protect vehicle owners against statutory third-party liabilities and, where selected, broader risks such as accidental damage, theft, fire and optional value-added benefits.
What is Motor Insurance?
Motor Insurance provides financial protection for vehicle-related risks. Depending on the plan selected, it may cover third-party injury, death or property damage, as well as damage to your own vehicle under comprehensive cover.
Why you may need it
- Legal compliance for compulsory third-party motor insurance.
- Financial protection against third-party claims.
- Option to upgrade to comprehensive protection for broader peace of mind.
- Vehicle pre-filled instantly from your FRSC plate number.
Typical cover options
- Third Party Motor Insurance (statutory minimum).
- Third Party, Fire and Theft.
- Enhanced Third Party with limited own-damage cover.
- Comprehensive Motor Insurance (most popular).
What you need to apply
- Vehicle plate number (we fetch the rest from FRSC).
- Valid driver's licence or means of identification.
- Vehicle value estimate (for Comprehensive cover).
- Previous policy details, where applicable.
Common exclusions
- Damage to your own vehicle under third-party-only cover.
- Claims arising from illegal use of the vehicle.
- Driving without a valid licence.
- Losses outside the selected insurer policy terms.
FAQ
Frequently asked questions
Yes. Section 68 of the Insurance Act makes Third-Party Motor Insurance compulsory for every vehicle on Nigerian roads. Driving without it is a punishable offence.
We use a secure, encrypted connection to the FRSC vehicle registry. You enter your plate number and we fetch the verified make, model, year, engine and chassis details — so you don't have to type them.
Yes. Some insurers allow mid-term upgrade with a pro-rata premium adjustment. We'll handle the change for you in a single WhatsApp message to Wura.