Help centre
Questions, answered plainly.
Search or filter by topic. If your question is not here, a broker will answer it by phone or WhatsApp.
An insurer sells its own policies. A broker compares policies from many insurers and recommends the one that fits, then helps you claim.
No. Insurers pay our commission from the premium. Prices are the same as going direct, and often lower because we negotiate.
Third party motor and many travel policies can start today. Comprehensive motor, health and property cover usually start after a short check or inspection.
Most personal policies can be paid monthly by direct debit or card. Business policies can often be split into quarterly payments.
Yes. Every vehicle on a Nigerian road needs at least third party cover. Driving without it is an offence.
A discount for each year you have not claimed, up to 25 percent with some insurers. It moves with you when you switch.
Comprehensive policies usually cover anyone you allow to drive, as long as they hold a valid licence. Check your schedule.
Many HMOs offer plans for parents up to a certain age, usually as a separate policy. We will find one that includes hospitals near them.
On Silver and Gold plans, after a waiting period of around nine months. Bronze plans usually do not include delivery.
Simple motor and property claims are often settled in two to four weeks. Larger claims involving a loss adjuster take longer.
The first part of any claim that you pay yourself. A higher excess means a lower premium.
Send us the letter. We check it against the policy wording and challenge the insurer where the decision is wrong.
Many employers are required by law to hold group life cover for their staff. We can check whether it applies to you.
Yes, with marine cargo cover per shipment or an annual open cover.
No questions match that search. Ask a broker instead.
Jargon buster
Insurance words, in plain English.
- Premium
- What you pay for the policy, yearly or monthly.
- Excess
- The part of each claim you pay yourself.
- Sum insured
- The most the insurer will pay for a claim.
- Loss adjuster
- An expert who inspects damage and agrees the amount of a claim.
- Underinsurance
- Insuring for less than the true value, which reduces any claim payment.
- Discharge voucher
- The form you sign to accept a claim settlement.
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