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At A Glance

Linkage Assurance Plc offers a comprehensive motor plan, a bespoke comprehensive plan for women, and an unusually deep set of Third Party Plus plans that combine own-damage and third-party cover. Linkage is a long-established non-life insurer regulated by NAICOM, with motor products built around strong third-party property limits and own-damage cover scaled to vehicle value.

Compare Plan Benefits

Claims & Support

Report any incident to Linkage promptly and provide the documents requested. The comprehensive plans cover accidental damage, fire, theft, malicious acts, and third-party liabilities, with optional extensions. The Third Party Plus plans pair an own-damage limit with a ₦3 million third-party property limit and unlimited third-party injury cover. The Purple Motor Plan offers 48-hour claims settlement after receipt of a signed discharge voucher.

How to Make a Claim

Notify Linkage 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 Third Party Plus own-damage limit before authorising repairs
Contact Linkage customer support for repair authorisation and claim queries

Linkage Plans

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1.

Comprehensive Insurance Cover (5% of car value per year) : The most extensive option, providing financial protection for your vehicle and third-party liabilities. Covers accidental damage or overturning, fire, external explosion, self-ignition or lightning, burglary, housebreaking or theft, malicious acts or vandalism, unlimited third-party bodily injury or death, third-party property damage, and legal costs incurred with the insurer's consent. Additional benefits include towing compensation within and across states, optional extensions for riot, strike and civil commotion, flood damage, and excess buyback, and special discounts for large motor fleets.
2.

Linkage Purple Motor Plan: A bespoke comprehensive cover designed for women. Accidental damage and fire and theft up to the sum insured, third-party property damage liability up to ₦5,000,000, unlimited third-party injury or death cover, insured medical expenses up to ₦100,000 per person and ₦200,000 per incident, free towing of ₦50,000 intra-state and ₦70,000 inter-state, 48-hour claims settlement after a signed discharge voucher, a 10% premium refund over three years if no claims are made, free strike, riot and civil commotion cover, and a free tracking device for vehicles from ₦3 million and above.
3.

Third Party Plus, On-the-Go (₦30,000 per year): For individual clients with vehicles valued not less than ₦2,000,000. Own-damage limit ₦500,000, third-party property damage ₦3,000,000, unlimited third-party injury or death, authorised repair limit covered, and towing of a disabled vehicle covered. Third Party Plus, Star (₦50,000 per year) For vehicles valued not less than ₦3,000,000. Own-damage limit ₦750,000 with the same third-party and towing benefits. Third Party Plus, Diamond (₦60,000 per year) For vehicles valued not less than ₦3,500,000. Own-damage limit ₦850,000 with the same third-party and towing benefits. Third Party Plus, Platinum (₦70,000 per year) For corporate clients only. Own-damage limit ₦1,000,000 with the same third-party and towing benefits. Third Party and Fire and Theft Third-Party Insurance Cover (₦15,000 per year) The mandatory statutory cover. Damage to third-party property, unlimited bodily injury or death of third parties, and legal costs incurred with the insurer's consent. Third-Party, Fire and Theft Insurance Cover (60% of comprehensive premium rate) Covers own damage caused by fire, external explosion, self-ignition or lightning, and burglary, housebreaking or theft, alongside ₦3 million third-party property damage, unlimited third-party injury or death, authorised repair limit, and towing of a disabled vehicle.
4.

Third Party Plus, Star (₦50,000 per year): For vehicles valued not less than ₦3,000,000. Own-damage limit ₦750,000 with the same third-party and towing benefits.
5.

Third Party Plus, Diamond (₦60,000 per year): For vehicles valued not less than ₦3,500,000. Own-damage limit ₦850,000 with the same third-party and towing benefits.
6.

Third Party Plus, Platinum (₦70,000 per year): For corporate clients only. Own-damage limit ₦1,000,000 with the same third-party and towing benefits.
7.

Third-Party Insurance Cover (₦15,000 per year) : The mandatory statutory cover. Damage to third-party property, unlimited bodily injury or death of third parties, and legal costs incurred with the insurer's consent.
8.

Third-Party, Fire and Theft Insurance Cover (60% of comprehensive premium rate) : Covers own damage caused by fire, external explosion, self-ignition or lightning, and burglary, housebreaking or theft, alongside ₦3 million third-party property damage, unlimited third-party injury or death, authorised repair limit, and towing of a disabled vehicle.

Who Should Consider This

1.

Drivers who want own-damage cover scaled to car value: The Third Party Plus range matches an own-damage limit from ₦500,000 to ₦1 million to your vehicle's value, which suits owners who want graded protection beyond basic third-party cover.
2.

Women drivers seeking premium cover : The Purple Motor Plan adds a premium refund for claims-free years, fast claims settlement, and a free tracker, designed specifically for women.
3.

Corporate clients: The Third Party Plus Platinum plan is built for corporate fleets, with ₦1 million own-damage cover.
4.

Fleet owners: The Comprehensive plan offers discounts for large motor fleets.

nairaCompare Insight

Linkage's Third Party Plus range is one of the most thoughtfully graded in the market, tying each own-damage limit to a minimum vehicle value so that cover is matched to the car it protects. For drivers who want more than statutory cover but not full comprehensive protection, this structure removes much of the guesswork around how much own-damage cover to buy.

The Purple Motor Plan is also a standout, combining a 10% premium refund for three claims-free years with 48-hour claims settlement and a free tracker, which is a genuinely competitive package for women drivers. Compare Linkage's Third Party Plus tiers against Heirs' Flexi range and emPLE's third-party-plus plans on nairaCompare, and weigh the Purple Motor Plan against Heirs' Her Motor Insurance.

About Linkage Assurance Plc

Linkage Assurance Plc was incorporated in 1991 and licensed in 1993 to carry on non-life insurance business. Headquartered in Lekki, Lagos, with branch offices across 13 states, the company underwrites all classes of non-life insurance including motor, marine, general accident, oil and gas, travel, and property cover for corporate and retail clients. It is regulated by NAICOM.

CONTACT ADDRESS Linkage Plaza, Plot 20 Block 94, Providence Street, Off Adewunmi Adebimpe Street, Lekki Phase 1, Lagos

WEBSITE www.linkageassurance.com

PHONE NUMBER +234 1 280 6353

EMAIL ADDRESS info@linkageassurance.com

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