We compare rates across 6 NAICOM-licensed insurers and find you the
best deal. Takes 5 minutes.
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Claims and policy updates come here.
Enter a valid Nigerian number
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Tell us about your vehicle
We need accurate details to generate your quote. All information is
verified against FRSC records.
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Must match your current FRSC registration exactly.
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Found on dashboard near windscreen or driver door frame.
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What would it cost to replace this vehicle today? Be accurate — this
sets your claim limit.
Enter at least ₦500,000
⚠️
Be accurate on vehicle value. If you undervalue and
make a total loss claim, you'll only receive the stated value. If
you overvalue, the insurer will depreciate to market value at claim
time.
Choose your cover level
Pick the cover that fits how you use your vehicle.
🛡️
Third Party
Covers damage to other people's vehicles and property. Legally
required minimum.
~₦25,000/yr
🔥
Third Party Fire & Theft
Third party cover plus protection if your vehicle is stolen or
burns.
~₦60,000/yr
⭐
Comprehensive
Full protection. Your vehicle, third parties, theft, fire, flood,
and more.
~₦320,000/yr
💡
Comprehensive is recommended for vehicles above
₦3M. It covers your own vehicle for accidents, theft, fire, flood,
and third party liability. If your car is financed or leased, your
lender will require comprehensive.
Annual Best value
Monthly
Quarterly
Premium estimate
Vehicle value—
Cover typeComprehensive
UsagePrivate
Annual rate4%
Annual premium—
Photograph your vehicle
6 photos required. Documents existing condition — protects you against
disputed claims.
📸 Park in good lighting. Capture all angles clearly including
existing dents or scratches. Pre-existing damage is noted and excluded
from new claims — but you need the photos to prove it wasn't caused
after the policy started.
📷
Front view
✓
📷
Rear view
✓
📷
Driver side
✓
📷
Passenger side
✓
📷
Dashboard & odometer
✓
📷
Chassis number plate
✓
Please upload all 6 photos to continue.
JPEG, PNG or PDF. Max 5MB.
We found your best quotes
Based on your vehicle and cover type, here are our recommended
insurers. All are NAICOM-licensed. We earn a commission from whichever
you choose — it doesn't affect your price.
⭐ Recommended
AXA Mansard
A+ rated · Fast claims
·
Leadway Assurance
A rated · 60yr history
·
Zenith Insurance
A+ rated · Bank-backed
·
AIICO Insurance
A rated · Wide network
·
Cornerstone
BBB rated · Affordable
·
NEM Insurance
A rated · SME focus
All prices are regulated by NAICOM — the premium is the same
regardless of insurer. Your choice is based on claim speed, network,
and service quality. We recommend AXA Mansard for comprehensive motor
based on fastest average claim settlement in Nigeria.
🛡️
Cova handles your claim regardless of insurer. You
always WhatsApp us — we chase the insurer on your behalf. You never
deal with them directly unless you want to.
Review & confirm
Check everything is correct before we issue your policy.
Policyholder
Name—
WhatsApp—
Vehicle
Vehicle—
Plate number—
Market value—
Policy
Cover typeComprehensive
InsurerAXA Mansard
Policy period12 months from today
Claim handlingCova (WhatsApp)
Total premium—
🛡️
72-hour claim resolution guarantee. Something goes
wrong — WhatsApp us. We assign a named handler, coordinate with the
insurer and repair centre, and close the claim within 72 hours. Miss
the SLA, your next renewal is discounted 10%.
Policies are issued by NAICOM-licensed insurers. Cova acts as a
licensed insurance broker. By continuing you agree to our terms of
service.
Verify your phone number
Before completing your purchase, please verify your phone number. We've sent a 6-digit code to .
Please enter the 6-digit code
🚗
Your vehicle is covered!
Your motor policy is active from today. Your certificate of insurance
will be emailed within 2 hours. Keep it in your vehicle at all times.