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At A Glance

Heirs Insurance Ltd offers a clear, digital-first motor range spanning full comprehensive cover for private and commercial vehicles, a dedicated plan for women, basic third-party cover, and a tiered Flexi range that combines own-damage and third-party protection. Heirs is known for its simple online purchase, fast claims, and NAICOM regulation. .

Compare Plan Benefits

Claims & Support

Report any incident to Heirs promptly through its digital channels and provide the documents requested. The comprehensive plans cover own-vehicle replacement and repair, third-party damage, medical bills, and towing within stated limits. The Flexi range pairs a maximum own-damage cover limit with third-party protection. Confirm your plan's limits before assuming a benefit applies.

How to Make a Claim

Notify Heirs promptly through its app, website, or customer line after an 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 Flexi plan's maximum cover limit before authorising repairs
Contact Heirs customer support for repair authorisation and claim queries

Heirs Plans

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1.

Private Comprehensive Cover (5% of car value per year) : For private vehicles with a minimum car value of ₦2,000,000. Full replacement of the vehicle and parts if stolen or wrecked, repairs after an accident, vehicle tracker for vehicles worth ₦10 million and above, towing inter and intra state up to ₦40,000, riot, strike and civil commotion cover, flood damage cover up to ₦100,000, damage to the other vehicle up to ₦5 million, unlimited medical bills subject to reasonability, and unlimited death benefit. Excess buy back and medical bills after an accident are not covered on this plan.
2.

Commercial Comprehensive Cover (5% of car value per year): For commercial vehicles with a minimum car value of ₦2,000,000. Free excess buy back, full replacement of vehicle and parts if stolen or wrecked, repairs after an accident, medical bills after an accident up to ₦30,000, vehicle tracker for vehicles worth ₦5 million and above, towing up to ₦30,000 interstate and ₦20,000 intrastate, riot, strike and civil commotion cover, flood damage cover up to ₦100,000, damage to the other vehicle up to ₦3 million, unlimited medical bills payment, and unlimited death benefit.
3.

Her Motor Insurance, For Women (5% of car value per year): A comprehensive plan for women with a minimum car value of ₦4,000,000. Free excess buy back, 24-hour rescue and assistance during road emergencies in Lagos, Port Harcourt, and Abuja metropolis, full replacement of vehicle and parts if stolen or wrecked, repairs after an accident, medical bills after an accident up to ₦50,000, vehicle tracker for vehicles worth ₦5 million and above, towing of ₦30,000 out of state and ₦20,000 within state, riot, strike and civil commotion cover, flood damage cover up to ₦100,000, damage to the other vehicle up to ₦3 million, unlimited medical bills subject to reasonability, and unlimited death benefit. Fertility investigations are covered up to ₦50,000 including hormonal assay. Age-specific health screening is included for both men and women from age 40, including PSA and mammogram every three years.
4.

Third Party (₦15,000 per year): Statutory cover. Damage to the other vehicle up to ₦3 million, unlimited medical bills, and unlimited financial support to a beneficiary in the event of loss of life. Damage to your own vehicle, tracker, towing, road rescue, flood and riot cover, and theft are not covered.
5.

Flexi 25 Motor Cover (₦25,000 per year): Maximum cover limit ₦350,000. Replacement of your vehicle and parts after an accident, theft, or fire up to ₦350,000, damage to third-party vehicle up to ₦3 million, unlimited third-party bodily injury or death support, towing up to ₦10,000 intrastate and ₦15,000 interstate, flood damage up to ₦100,000, and riot, strike and civil commotion cover. No excess in the event of loss.
6.

Flexi 35 Motor Cover (₦35,000 per year): Maximum cover limit ₦500,000. As Flexi 25 with own-vehicle cover up to ₦500,000 and towing up to ₦15,000 intrastate and ₦25,000 interstate.
7.

Flexi 70 Motor Cover (₦70,000 per year): Maximum cover limit ₦1 million. As Flexi 25 with own-vehicle cover up to ₦1 million and towing up to ₦20,000 intrastate and ₦30,000 interstate.

Who Should Consider This

1.

Women drivers seeking tailored cover: Her Motor Insurance adds 24-hour road rescue in Lagos, Port Harcourt, and Abuja and a higher ₦50,000 medical limit, designed specifically for women.
2.

Drivers who want graded own-damage cover: Drivers who want graded own-damage cover: The Flexi 25, 35, and 70 plans let you pick an own-vehicle limit of ₦350,000, ₦500,000, or ₦1 million while keeping third-party protection, with no excess on loss.
3.

Owners of higher-value private cars: The Private Comprehensive plan offers full replacement, ₦5 million third-party vehicle cover, and unlimited medical and death benefits.
4.

Commercial operators: The Commercial Comprehensive plan provides full cover with free excess buy back and a tracker from ₦5 million sum insured.

nairaCompare Insight

Heirs has built one of the most digitally accessible motor ranges in Nigeria, and the Flexi tiers are its smartest feature. By pairing a fixed own-damage limit with full third-party cover and no excess on loss, the Flexi plans give budget-conscious drivers real own-vehicle protection without the cost of full comprehensive cover. The graded ₦350,000, ₦500,000, and ₦1 million limits make it easy to match cover to your car's value.

Her Motor Insurance is also worth highlighting, as dedicated women's motor products with road rescue built in are rare in the market. For higher-value vehicles, the Private Comprehensive plan stands out for its unlimited medical and death benefits and ₦5 million third-party vehicle cover. Compare Heirs' Flexi range against emPLE's Compact-to-Deluxe tiers and Linkage's Third Party Plus on nairaCompare before deciding.

About Heirs Insurance Ltd

Heirs General Insurance Limited is a Nigerian general insurance company and part of Heirs Insurance Group, a subsidiary of Heirs Holdings, the pan-African investment group founded by Tony Elumelu. With a paid-up share capital of ₦10 billion, the company underwrites all classes of general insurance including motor, buildings, and oil and gas, using digital tools to make cover simple, quick, and accessible. It is authorised and regulated by NAICOM.

CONTACT ADDRESS Heirs Towers, 107b Ajose Adeogun Street, Victoria Island, Lagos

WEBSITE www.heirsinsurancegroup.com

PHONE NUMBER +234 1 888 4000

EMAIL ADDRESS service@heirsinsurance.com

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