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At A Glance

NSIA Insurance Ltd offers a structured motor range covering full comprehensive protection, basic third-party cover, third-party fire and theft, and a tiered Advanced Third-Party range that adds own-damage and a wide set of benefits. NSIA is a composite insurer with a pan-African presence, regulated by NAICOM.

Compare Plan Benefits

Claims & Support

Report any incident to NSIA promptly and provide the documents requested. The comprehensive plan covers accidental damage, theft, and attempted theft. The Advanced Third-Party Bronze, Silver, and Gold tiers add own-damage up to the sum insured plus medical, legal, towing, fire, windscreen, and flood benefits. Confirm your plan tier before claiming.

How to Make a Claim

Notify NSIA 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 Advanced Third-Party tier and its benefit limits before authorising repairs
Contact NSIA customer support for repair authorisation and claim queries

NSIA Plans

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1.

Comprehensive Motor Insurance (5% of car value per year) : Covers the cost of repairs or replacement of your vehicle due to accident, and compensation for loss of the vehicle due to theft or attempted theft.
2.

Third-Party Motor Insurance (₦15,000 per year): Statutory cover. Unlimited third-party bodily injury or death, ₦3,000,000 minimum cover for third-party property damage in line with statutory requirements, and legal cost coverage reasonably incurred with the insurer's consent.
3.

Third Party, Fire and Theft Insurance Cover (3% of car value) : Unlimited cover for third-party injury or death, ₦1,000,000 minimum cover for third-party property damage, legal costs reasonably incurred with the insurer's consent, and compensation for loss of or damage to your own vehicle from fire and theft only.
4.

Advanced Third-Party Motor Insurance, Bronze (₦30,000 per year): ₦3,000,000 third-party property damage, unlimited third-party bodily injury or death, accidental own damage up to the sum insured, medical expenses cover for the insured, legal fees, towing from the accident scene, fire peril excluding self-ignition, windscreen damage from an accident, flood peril cover, and a careful driving incentive.
5.

Advanced Third-Party Motor Insurance, Silver (₦50,000 per year) : The same benefit set as Bronze at a higher tier.
6.

Advanced Third-Party Motor Insurance, Gold (₦60,000 per year): The same benefit set as Bronze and Silver at the top tier.

Who Should Consider This

1.

Drivers who want comprehensive-style benefits at a third-party price: The Advanced Third-Party tiers add own-damage, fire, flood, and windscreen cover to statutory third-party protection, suiting motorists who want broad cover without full comprehensive pricing.
2.

Drivers seeking fire and theft cover: The Third Party, Fire and Theft plan adds own-vehicle fire and theft protection at 3% of car value.
3.

Cost-conscious motorists: The basic Third-Party plan meets the legal requirement at ₦15,000 with a full ₦3 million property limit.
4.

Safe drivers: The careful driving incentive on the Advanced tiers rewards claims-free driving.

nairaCompare Insight

NSIA's Advanced Third-Party range is its strongest motor feature, packing own-damage cover up to the sum insured plus fire, flood, windscreen, medical, and legal benefits into a third-party-priced plan. The careful driving incentive is a useful added touch that rewards low-risk drivers. For motorists who want comprehensive-style protection but balk at full comprehensive premiums, the Bronze, Silver, and Gold tiers are well worth examining.

The standalone Third Party, Fire and Theft plan, priced at 3% of car value, also fills a useful gap for drivers who want to protect against losing their vehicle to fire or theft. Compare NSIA's Advanced Third-Party tiers against AIICO's Enhanced Third Party range and NEM's enhanced types on nairaCompare to confirm which benefit set and price point fit your needs.

About NSIA Insurance Ltd

NSIA Insurance Ltd, formerly ADIC Insurance Limited, was licensed by NAICOM in 1989 to underwrite all classes of general and life insurance. Part of the pan-African NSIA group, the company provides insurance, risk management, and investment services to individuals and corporates, with a head office in Lagos and a regional presence in Abuja, Port Harcourt, Ibadan, Kaduna, Warri, and Onitsha. It is regulated by NAICOM.

CONTACT ADDRESS 3 Elsie Femi Pearse Street, Off Adeola Odeku, Victoria Island, Lagos

WEBSITE www.nsiainsurance.com

PHONE NUMBER +234 1 280 5378

EMAIL ADDRESS info@nsiainsurance.com

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