Third Party Insurance
Protect Everyone on the Road
You don’t drive alone, so be the driver who protects everyone else on the road—and yourself.
More Options, More Coverage, More Confidence
Our Third-Party Motor Insurance offers you 3 plans to choose from, giving you and others the right protection—all within your budget.
Third
Party
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This is the basic motor insurance policy and the minimum legal requirement for all drivers in Nigeria, ensuring compliance while providing essential protection for others on the road.
- Covers third-party property damage and bodily injury claims.
- Provides financial protection in case of accidents involving other vehicles or property.
- Ensures compliance with legal requirements.
Flexi
Basic
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This plan goes beyond basic third-party coverage by adding-on protection for damages to your own vehicle.
- Beyond third-party coverage, this plan protects others and covers damages to your vehicle.
- Includes all Third Party benefits.
- Covers accidental damages to your own vehicle.
- Affordable premium packages to fit your budget
Flexi
Standard
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This is the most robust plan, giving you the option to add-on extended coverage for fire, theft, and accidental damages to your vehicle in addition to third-party benefits.
- Choose Flexi Standard for Third-party protection with added benefits, including fire, theft, and accidental damage to your vehicle.
- Covers damages caused by fire or theft to your vehicle.
- Protects against accidental damages to your own car.
- Includes all benefits of Flexi Basic for a more robust cover.
YOU + EVERY RIDER = SAFER
Peace of Mind on Every Mile
Enjoy affordable coverage for third-party property damage and bodily injury claims.
Protection for All
Whether it's compensating for damage to someone else’s vehicle or covering their medical expenses after an accident, our plans ensure you’re prepared for the unexpected.
Drive with Confidence
Our new Flexi options go beyond basic coverage, providing protection for both you and others—all while staying within your budget.
Start looking out…for others
- Get a quick online quote and discover how affordable it is to prioritize safety on the road.
- Email us at customercare@empleng.com
Comprehensive Enough for Every Moving Part
Third-Party Individuals
Covers repair or replacement costs for others' property.
Third-Party Injuries
Provides compensation for medical expenses or lost income.
Yourself
Enjoy peace of mind with added protection for your vehicle and a plan that fits your budget.
Here is what you need to know about Third Party Insurance
What are the limitations of this cover?
- Limitations as to use of the vehicles include:
- Use only for social, domestic and pleasure purpose and for the policy holder’s business.
- The policy does not cover user for hire or reward or for racing, pace-making reliability, trial speed testing or use for purposes in connection with motor trade.
Please note that a failure to provide all the required KYC documentation in line with regulations will lead to a cancellation of the policy.
***Limitations rendered inoperative by the provision of the motor vehicle (Third Party Insurance) Act 1945 are not to be included under this heading.
Can I pay for my insurance in installments?
- Yes, premium payments can be made in annual, biannual, or quarterly installments.
How do I know if my policy is expired?
- A renewal notice will be sent to you prior to the expiration of your policy
How soon should I inform emPLE Insurance of an accident or theft?
- Immediately after the accident occurs.
What are the required documents to substantiate my motor accident claim?
- Formal notification of claim
- Completed claim form
- Photographs of the vehicle in its damaged state
- Police report
- Copy of driver’s license
- A detailed estimate of repairs from a reputable garage
What do insurance companies consider when repudiating a claim?
- Non-payment of premiums is considered.
- Inability to substantiate the claim
What are the list of documents required?
- A witness is required
- Police report
- Photograph of the vessel in its damaged state
