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At A Glance

emPLE General Insurance offers one of the widest motor ranges on the market, pairing a comprehensive plan with a tiered set of own-damage plans that build on basic third-party cover. From the legal-minimum Third Party plan up to the Deluxe plan with ₦3 million own-damage cover, emPLE lets drivers choose exactly how much of their own vehicle they want protected.

Compare Plan Benefits

Claims & Support

Report any incident to emPLE promptly and provide the documents requested. The comprehensive plan covers fire, theft, accidental damage, and third-party liabilities, with several benefits included free. The tiered third-party-plus plans, Compact through Deluxe, add increasing levels of own-damage protection on top of standard third-party cover, so confirm your own-damage limit before claiming.

How to Make a Claim

Notify emPLE promptly after an accident, theft, or fire incident
Complete a claim form and submit your policy details with photographs of the damage
For third-party claims, provide the third party's details and a police report where applicable
For theft or fire, submit a police report and proof of ownership
Confirm your own-damage limit on Compact, Bumper, Classic, Premium, or Deluxe before authorising repairs
Contact emPLE customer support for repair authorisation and claim queries

emPLE Plans

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1.

Comprehensive Insurance Policy (5% of car value per year): Cover for damage or loss by fire and theft, with free excess buy back. A free vehicle tracking device is included subject to full premium payment and approval. Towing of the damaged vehicle is covered up to ₦50,000. Third-party property damage is covered up to ₦2,000,000 with unlimited cover for third-party bodily injury and death. Free riot, strike and civil commotion cover and free flood damage cover are included. Transportation cost for five days following an accident is covered up to ₦50,000.
2.

Third Party (₦15,000 per year): The basic statutory cover and minimum legal requirement. Covers third-party property damage and bodily injury claims, ensuring compliance while protecting others on the road.
3.

Compact (₦22,000 per year) : Adds own-damage cover up to ₦350,000 on top of all Third Party benefits, protecting your own vehicle as well as third parties.
4.

Bumper (₦25,000 per year) : Adds own-damage cover up to ₦500,000 on top of all Third Party benefits.
5.

Classic (₦33,750 per year) : Adds own-damage cover up to ₦750,000 on top of all Third Party benefits.
6.

Premium (₦41,500 per year) : Adds own-damage cover up to ₦1,000,000 on top of all Third Party benefits.
7.

Deluxe (₦102,000 per year) : Adds own-damage cover up to ₦3,000,000 on top of all Third Party benefits, the highest own-damage limit in the third-party-plus range.

Who Should Consider This

1.

Drivers who want graded own-damage cover: The Compact through Deluxe range lets you choose an own-damage limit from ₦350,000 to ₦3,000,000, which suits motorists who want some protection for their own car without paying for full comprehensive cover.
2.

Budget-conscious motorists: The basic Third Party plan meets the legal requirement at ₦15,000, with clear upgrade paths as budget allows.
3.

Owners of mid-value vehicles: The Premium and Deluxe plans, with own-damage cover up to ₦1 million and ₦3 million, suit owners who want substantial own-vehicle protection at a fixed annual cost.
4.

Drivers who want free extras on comprehensive: The Comprehensive plan bundles free tracking, excess buy back, flood, and riot cover.

nairaCompare Insight

emPLE's tiered third-party-plus structure is its standout feature. Most insurers offer a single third-party plan and a single comprehensive plan, but emPLE fills the gap between them with five clearly priced steps. For a driver who wants to protect their own vehicle up to a known limit, the ability to pick exactly ₦350,000, ₦500,000, ₦750,000, ₦1 million, or ₦3 million of own-damage cover is unusually precise.

The full Comprehensive plan remains the better choice for newer or higher-value vehicles, with its free tracker, flood, and riot cover and unlimited third-party bodily injury. Use nairaCompare to compare emPLE's own-damage tiers against Heirs' Flexi range and Linkage's Third Party Plus, which use a similar graded approach, before deciding which limit fits your vehicle's value.

About emPLE General Insurance

emPLE General Insurance is a Nigerian insurance group regulated by NAICOM, offering general and life insurance products designed for individuals, families, and businesses. The company positions itself around accessibility, transparency, and product innovation, with a stated mission to drive financial progress for working Nigerians. emPLE operates offices in Lagos, Port Harcourt, Abuja, and other cities across Nigeria.

CONTACT ADDRESS 4th Floor, Plot 1297, Akin Adesola Street, Victoria Island, Lagos

WEBSITE www.emple.group

PHONE NUMBER +234 2 01700 5707

EMAIL ADDRESS customercare@emple.ng

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