Third party
₦1,250a month, from
- The legal minimum for Nigerian roads
- Injury and damage to other people
- Certificate on your phone in minutes
Age 27
Chapter: First car, from age 27
Motor insurance
From the legal minimum to full comprehensive cover, with a tow, an assessor and a courtesy car arranged from one phone call, day or night.
From ₦15,000 a yearexample
Why it matters here
Motor cover for how life really works in the South West
Lagos to Ibadan expressway traffic, potholes in the rainy season, flash floods at Apete and the occasional okada scrape: most of our motor claims come from ordinary days. Cover should make an ordinary day easy to recover from.
- 01
Accident damage
Repairs at one of 62 approved garages across the South West, or cash settlement if you prefer your own mechanic.
- 02
Theft and attempted theft
The car, its fitted parts and the damage thieves leave behind, including broken locks and windows.
- 03
Flood and fire
Water damage from flash flooding and fire, including electrical fires from a faulty after market alarm.
- 04
Third party injury and property
Your legal liability to other people and their property, with no upper limit for injury.
- 05
Tow and roadside help
Free tow to the nearest approved garage within 150 km of any branch.
- 06
Courtesy car or transport
Up to 10 days of ride hailing credit while your car is in the garage (Comprehensive Plus).
Price your motor cover
Example rates for this demo, not an offer. A person on the team checks every quote before cover starts.
Get my full quotePlans
Three ways to be covered
Prices are example monthly amounts from our rate card. Pay monthly, quarterly or yearly by card, transfer, direct debit or POS at any branch.
Most chosen
Third party, fire and theft
₦3,400a month, from
- Everything in Third party
- Your car if stolen or burnt
- Tracker discount of 10 percent
Comprehensive
₦14,600a month, from
- Your car repaired after any accident
- Flood cover and free tow
- Approved garages or cash settlement
Claims
How a motor claim moves
Every step shows in your account, with the name of the person handling it.
- Minute 0
Call, WhatsApp or chat
Tell us where you are. If anyone is hurt, call the emergency services first; we can call them for you.
- Hour 2
Tow and photos
We send a tow, or you upload photos in the claim form. Police report only if someone is injured.
- Day 1
Assessor visit
An assessor inspects at the garage or your home and agrees the repair cost with you.
- Day 3
Approval
You get the approval and the garage starts work. Courtesy transport begins on Plus.
- Day 6
Back on the road
Average time from report to repaired car or cash in your account (example figure).
A trailer clipped my saloon at Toll Gate on a Friday evening. Crescent towed it before I had finished calling my wife, and it was back the next Thursday.
Honest limits
What this cover does not do
Read these before you buy. The full policy wording is in your account and at every branch.
- Wear and tear, mechanical breakdown and tyres damaged by potholes alone
- Driving without a valid licence or under the influence
- Using a private car for paid ride hailing without telling us (ask for our commercial plan)
Questions
Motor cover, answered
Do I need a police report for every motor claim?
No. For damage only claims, photos and the claim form are enough. We ask for a police report when someone is injured or the car is stolen.
Can I use my own mechanic?
Yes. Send us the mechanic's quote. If it is fair we approve it, or we offer a cash settlement at the agreed figure.
Is my tracker worth telling you about?
Yes. An active tracker takes 10 percent off Third party, fire and theft and Comprehensive premiums.
Can I pay monthly?
Yes, by card, bank transfer or direct debit. Monthly instalments include a small example charge of 6 percent over the annual price.
Next on the timeline
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Ready to cover your first car?
A quote takes two minutes, and a person on the team checks it before your cover starts.