Third party
₦15,000
a year
- Cover required by law
- Injury to other people
- Damage to their property
- Certificate on WhatsApp in minutes
Bulwark Motor insurance
Motor cover that knows Third Mainland at rush hour
Third party, fire and theft, or comprehensive cover for private cars, ride-hailing drivers and small fleets, with 24-hour towing across Lagos.
Third partyfrom ₦15,000 a year
Comprehensivefrom 3.5% of value
Towing24 hours
Motor insurance
What is covered
Accident damage
Repairs at an approved garage, or the market value if the car is written off.
Theft and attempted theft
Including damage to locks, windows and the ignition.
Fire
Electrical fires, fuel fires and fire spread from a neighbouring vehicle.
Flood damage
Water damage from flash floods, which Lagos roads know well in July.
Third party injury and property
Your legal liability to other people and their property, as the law requires.
24-hour towing
From anywhere in Lagos State to the nearest approved garage.
Prices
Plans and example premiums
Three ways to buy. Every plan includes the 24-hour claims line and a named adviser.
Third party, fire and theft
₦45,000
a year, typical saloon
- Everything in third party
- Theft of your car
- Fire damage
- Tracker discount 10%
Comprehensive
₦24,500
a month, car worth ₦8m
- Damage to your own car
- Flood damage
- Towing and courtesy car
- Windscreen with no excess
Example premiums for this demo. A real premium depends on underwriting, and cover is always subject to the policy terms. We assess every claim against those terms and never promise a payout in advance.
Local know-how
Built for Lagos roads
Ride-hailing drivers get a plan priced for the hours they actually drive, with cover that switches on when the app does.
Flash-flood damage is included as standard on comprehensive cover, not sold as an extra.
Our towing partners cover Lekki, Ikorodu, Ojo and the mainland, day and night, so you are not left on the bridge.
Talk to an adviserStraight talk
What is not covered
We would rather you know now than find out on the day you claim.
- Driving without a valid licence, or under the influence
- Normal wear and tear, tyres and mechanical breakdown
- Using a private car for paid hire without telling us
- Loss of items left in the car unless you add personal effects cover
This is a summary. The full list is in the policy wording, which we send before you pay.
Extras
Optional add-ons
| Add-on | Example price |
|---|---|
| Courtesy car for 10 days | ₦18,000 a year |
| Personal effects up to ₦500,000 | ₦9,500 a year |
| Excess protector | ₦12,000 a year |
| Tracker fitted and monitored | ₦45,000 once, then 10% off |
Claims
If you need to claim
- 01
Call the 24-hour claims line or start on WhatsApp with photos
- 02
We send a tow truck if the car cannot be driven
- 03
An assessor inspects within two working days
- 04
Repairs are approved against your policy terms, and you collect the car
FAQ
Questions
Can I pay monthly?
Yes, comprehensive cover can be paid monthly by card or direct debit, at the same price as paying yearly in instalments.
Does my cover follow me to other states?
Yes. Cover applies anywhere in Nigeria. Towing is free within Lagos State and charged at cost elsewhere.
What is the excess?
On comprehensive cover the standard excess is 10% of the claim, minimum ₦50,000. You can choose a higher excess to lower your premium.
Keep exploring
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Price your motor cover
Four steps and about two minutes. Pay the first month through Receivly if you are happy.