Personal insurance

Everything you and your family need covered. One broker.

From your phone to your life insurance — Cova finds the best policy across 6 insurers and handles every claim on WhatsApp.

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72hr

claims SLA

Personal cover products

Choose the right cover for your family, devices, car or travel. Every policy is backed by Cova claims support.

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Electronic Equipment

Cover phones, laptops, tablets and cameras with a plan that handles repair and replacement fast.

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Motor Insurance

Protect your car or bike with comprehensive or third-party options designed for Nigerian roads.

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Life Insurance

Secure your family's future with cover that pays a lump sum when they need it most.

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Health Insurance

Access hospital care, consultations and claims assistance through one simple plan.

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Travel Insurance

Protect trips abroad with cover for medical emergencies, cancellations and lost baggage.

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Property Insurance

Protect your home or rented space from fire, theft and accidental damage.

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Investment Plans

Choose a savings-linked plan that gives you protection and growth in one package.

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Education Plan

Prepare for your child’s future with cover that supports school fees and education needs.

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Personal Accident

Waitlist for a plan that covers injury, disability and emergency medical costs.

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Pilgrimage Protection

Join the waitlist for cover designed for pilgrimage travel and medical support.

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Student Protection

Waitlist for student cover that protects belongings, travel and campus risks.

Why Cova for personal cover

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WhatsApp-first claims

Start every claim with a message, photo or voice note — no call centres and no long forms.

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Named handler

A dedicated claims handler manages your case from first report to settlement.

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72hr SLA

Claims are handled quickly with clear updates and a 72-hour resolution promise.

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Zero out-of-pocket

We settle approved repairs directly so you don’t pay extra at the garage or hospital.

Frequently asked questions

Answers to the most common personal insurance questions for phones, cars, health and travel.

Can I claim for a stolen phone?

Yes. If your phone is stolen and it was insured under your electronic equipment policy, Cova helps you submit the claim and track settlement through WhatsApp.

What happens after a motor accident?

Once you report the accident, your handler guides you through document submission, insurer assessment and repairs until your claim is closed.

Do I need a medical exam for life insurance?

It depends on the sum assured and product, but Cova will tell you upfront whether a medical exam is needed and help you schedule it.

Which hospitals are covered by health plans?

Cova works with insurers that cover a wide hospital network in Nigeria; your handler will share the list that applies to your selected plan.

Can I use Cova travel insurance for a Schengen visa?

Yes. Our travel policies include Schengen-approved medical cover options for visa applications and international emergencies.

Need business cover too?

Switch to our SME page for fleet, group protection and property insurance designed for businesses.

View business plans

Ready for a quote?

Start with the product that matters most today and let Cova compare insurers for you.

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