Personal cover
Business cover
Products
Life Health Motor Travel Property Devices Electronic fleet Motor fleet Group life Group health Fire & perils Workmen's compensation
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INSURANCE SIMPLIFIED

Every insurance policy your life and business will ever need.

Cova is Nigeria's independent broker — we compare 6 insurers, deliver the best policies, and manage claims on WhatsApp so you never have to fight an insurer alone.

👤

Personal cover

  • Life & Health
  • Motor & Travel
  • Devices & Property
Explore personal
🏢

Business cover

  • Electronic fleet
  • Motor fleet
  • Group life & health
Explore business
Learn about insurance →
🤝 6 insurers compared in one place
💰 Saved ₦184k on family health vs. going direct
⚡ 48hr claim settled on WhatsApp, no paperwork
Joyful young Black man and woman taking a selfie together
Cover for you & the life you're building
A happy Black family together
Health & life cover for your family
A Black professional working at his desk in a modern office
Protection for your business & team
Personal cover

Insurance built for individuals.

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Electronic Equipment
Cover phones, laptops and gadgets with fast claims support.
Live ⚖️ Compare device plans →
View product
🚗
Motor Insurance
Comprehensive and third-party cover for cars and bikes.
Live ⚖️ Compare motor plans →
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❤️
Life Insurance
Protect your family with affordable life cover.
Live ⚖️ Compare life plans →
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Health Insurance
Access hospitals and consultations without surprises.
Live ⚖️ Compare 24 plans from 10 HMOs →
View product
✈️
Travel Insurance
Protect trips with medical, baggage and delay cover.
Live ⚖️ Compare travel plans →
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🏠
Property Insurance
Cover homes and rented property against damage and theft.
Live ⚖️ Compare property plans →
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See all personal cover (incl. investment, education & more) →
Business cover

Insurance built for SMEs.

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Electronic Fleet
Protect phones, laptops and POS devices across your business.
Live
View product
🚗
Motor Fleet
Cover commercial vehicles, executives and service vans.
Live
View product
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Group Life
Employee life cover for staff and dependents.
Live
View product
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Group Health
Healthcare cover for teams and personnel.
Live
View product
🔥
Fire & Special Perils
Protect buildings, stock and equipment from fire.
Live
View product
⚖️
Public Liability
Cover third-party injury and property damage claims.
Live
View product
See all business cover (incl. burglary, workmen's comp & more) →
How it works

A simple broker experience for individuals and businesses.

Answer a few questions, compare multiple insurers, buy online, and claim on WhatsApp with a dedicated handler.

Step 1
Tell us what you need
Share your details and risk profile so Cova can compare the best policies.
Step 2
Compare 6 insurers
We review multiple quotes and recommend the strongest cover.
Step 3
Buy in minutes
Choose payment terms and get your policy issued instantly online.
Step 4
Claim on WhatsApp
Send a message to your handler, and we manage the claim end to end.
See it work

This is what claiming with Cova looks like.

No forms, no phone trees, no surprise bills. Message your handler, track the claim, and pay nothing out of pocket on covered care.

💬 1 · Message your handler
T
Tunde · Cova Handler
online
Hi Tunde, my son has a bad fever. Reddington says the plan needs approval for admission.
Sorry to hear! Sending pre-authorisation to the HMO now. Reddington is in your network — go ahead with admission.
Approved! They're admitting him. Thank you 🙏
Noted — I've opened claim #COV-2481 and will chase it to payment. You focus on your son. 💚
📊 2 · Track it live
Claim #COV-2481
Admission · Reddington Hospital · Opened 10:16
✓
Reported on WhatsApp
Day 0 · 10:16
✓
Filed with HMO
Day 0 · 11:02
●
With insurer — chasing
Day 1 · handler following up
✓
Approved
—
✓
Settled
—
✅ 3 · Pay nothing
✅
Claim settled
Claim #COV-2481 · Reddington Hospital
Hospital bill ₦412,500
Paid by insurer ₦412,500
You paid ₦0
Settled in 48 hrs · 72-hr claims SLA
Interface demos of the Cova claims experience — your real claims run on WhatsApp with your named handler.
Insurers

We work with Nigeria's leading insurers.

Trusted partners who support Cova policies across health, motor, fire, device and corporate insurance.

AXA
AXA Mansard
A+ rated
Motor & devices
LW
Leadway Assurance
A rated
Fire & property
Z
Zenith Insurance
A+ rated
Corporate risks
AI
AIICO Insurance
A rated
Group health
CO
Cornerstone Insurance
BBB rated
SME bundles
NE
NEM Insurance
A rated
Workmen's comp
Why Cova

Built around the moment that matters most — the claim.

Insurance is only valuable when something goes wrong. Cova makes buying easy and claims fast.

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WhatsApp-first claims
Submit claims instantly with a message, photo or voice note on WhatsApp — no forms, no office visits.
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Named handler
A single dedicated handler manages your case from first report to settlement — you always know who to reach.
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72hr SLA
Claims are acknowledged within 72 hours — or your next month's premium is on us. We hold ourselves accountable.
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Zero out-of-pocket
Approved claims are settled directly with service providers — hospitals, garages, and repair shops — so you never pay upfront.
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Independent broker
We're not tied to one insurer. We compare 6 NAICOM-licensed providers and recommend what's genuinely best for you.
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Live tracking
Track every claim in real time with clear status updates — from submission to approval to payout. No black boxes.

Individual and family cover

Life, health, motor, travel, property and device protection.

Get personal cover

Business and SME cover

Fleet, group health, fire, liability and workplace protection.

Get business cover