All vehicle owners and drivers are legally required to have third-party liability coverage.
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Motor Vehicle (Third Party) Insurance is a mandatory insurance policy required under Section 53 of the Motor Vehicles (Third Party Insurance) Act of 1945. This law compels all vehicle owners and drivers, including those operating commercial and private vehicles, to obtain coverage that protects against liabilities arising from injury, death, or property damage caused to third parties.
In compliance with NIIRA 2025, it is now mandatory for government-owned vehicles to be fully insured for at least Third Party insurance policy; the Act also emphasised increased property damage limits, and the inclusion of road infrastructure damage coverage
All vehicle owners and drivers are legally required to have third-party liability coverage.
Covers compensation for bodily injury, death, or property damage caused to others during the use of a motor vehicle.
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Ensures drivers comply with legal obligations under Nigerian motor insurance law.
Helps avoid fines, sanctions, or imprisonment for operating uninsured vehicles.
Pays for injury, death, or property damage claims caused to other road users
Protects vehicle owners from personally covering expensive compensation claims.
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Motor, Public/Product Liability, Workmen’s Compensation, General Third-Party Liability, Contingent Employers’ Liability, Occupiers/Builders’ Liability, Professional Indemnity, Directors’ and Officers’ Liability.
Arrangement between the Pool and members is akin to the Quota Share arrangement on the basis of 60/40.
Cession is the same for all policies except for Motor Comprehensive where 4.5% and Contractors’ All Risks where 15% of premium is ceded to the Pool to cater for the Liability aspects of the risks.
Cession to the Pool depends on how you rank the Pool; for instance, would you feed your treaty before thinking of the Pool or vice versa?
Some of the notable exclusions are participation in: (1) The own damage section of members’ motor policies (2) Exploration, drilling, processing of petroleum gasoline or related products and petrochemical products
The Pool’s arrangement with the members is on a Quota Share basis and does not support layered liability policies.
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