Personal cover
Business cover
Products
Life Health Motor Travel Property Devices Electronic fleet Motor fleet Group life Group health Fire & perils Workmen's compensation
Company
About us How it works Insurers Contact us
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.

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Personal cover

  • Life & Health
  • Motor & Travel
  • Devices & Property
Explore personal
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Business cover

  • Electronic fleet
  • Motor fleet
  • Group life & health
Explore business
Personal cover

Insurance built for individuals.

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Electronic Equipment
Cover phones, laptops and gadgets with fast claims support.
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Motor Insurance
Comprehensive and third-party cover for cars and bikes.
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Life Insurance
Protect your family with affordable life cover.
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Health Insurance
Access hospitals and consultations without surprises.
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Travel Insurance
Protect trips with medical, baggage and delay cover.
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Property Insurance
Cover homes and rented property against damage and theft.
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Investment
Save and grow with protection designed for your goals.
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Education
Support your child’s future with education protection.
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Personal Accident
Accidental injury and emergency medical support for individuals.
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Pilgrimage Protection
Travel and medical cover for pilgrimage journeys.
Waitlist
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Student Protection
Cover for school, campus and travel risks.
Waitlist
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Business cover

Insurance built for SMEs.

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Electronic Fleet
Protect phones, laptops and POS devices across your business.
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Motor Fleet
Cover commercial vehicles, executives and service vans.
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Group Life
Employee life cover for staff and dependents.
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Group Health
Healthcare cover for teams and personnel.
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Group Personal Accident
Workplace accident protection for employees.
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Workmen's Compensation
Liability cover for staff injury and disability.
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Fire & Special Perils
Protect buildings, stock and equipment from fire.
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Burglary & Theft
Cover premises and contents against theft.
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Consequential Loss
Income protection after fire and business interruption.
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Money Insurance
Cover cash in transit and cash on premises.
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Fidelity Guarantee
Protect your business from employee fraud.
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Public Liability
Cover third-party injury and property damage claims.
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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.
Insurers

We work with Nigeria's leading insurers.

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

AXA Mansard
A+ rated
Recommended for motor and devices
Leadway Assurance
A rated
Recommended for fire and property
Zenith Insurance
A+ rated
Recommended for corporate risks
AIICO Insurance
A rated
Recommended for group health
Cornerstone Insurance
BBB rated
Recommended for SME bundles
NEM Insurance
A rated
Recommended for workmen's compensation
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.
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Named handler
A single claims handler manages your case from first report to settlement.
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72hr SLA
Claims are resolved quickly or your next month is free.
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Zero out-of-pocket
Approved claims are settled directly with service providers.
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Independent broker
We compare insurers and recommend what is best for you.
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Live tracking
Track claims progress in real time with clear status updates.

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