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| Car Value | ||||
|---|---|---|---|---|
| Rate | 5% | 5% | 5% | 5% |
| Third party property damage | ₦3,000,000 | ₦3,000,000 | ₦3,000,000 | ₦5,000,000 |
| Third party bodily injury and death | Unlimited | Unlimited | Unlimited | Unlimited |
| Medical expenses to insured/driver from accident | ₦50,000 | ₦50,000 | ₦75,000 | ₦100,000 |
| Passenger liability aggregate limit (per event) | ₦100,000 | ₦200,000 | ₦300,000 | ₦400,000 |
| Towing of vehicles (Inter/Intra states) | ₦40,000/60,000 | ₦40,000/60,000 | ₦60,000/80,000 | ₦70,000/100,000 |
| Authorised repair limit | ₦150,000 or 5% WIL | ₦150,000 or 5% WIL | ₦200,000 or 5% WIL | ₦400,000 or 5% WIL |
| Policy excess | Free | Free | Free | Free |
| SRC | Free | Free | Free | Free |
| Flood peril | Free | Free | Free | Free |
| Personal Effect | NIL | ₦20,000 | ₦50,000 | ₦100,000 |
| Tracking | Free (Above ₦4m Sum insured) | Free (Above ₦4m Sum insured) | Free | Free |
| Payment Frequency | Annual | Annual | Annual | Annual |
| BENEFITS | |||
|---|---|---|---|
| Premium | N30,000 | N35,000 | N60,000 |
| Third Party property Damage | N3m | N3m | N3m |
| Third party bodily injury & Death | Unlimited | Unlimited | Unlimited |
| Own damage Limit | N1m without accompanied 3rd Party | N1m without accompanied 3rd Party | N2m without accompanied 3rd Party |
| Fire | Limit – N500,000 | Limit – N500,000 | Limit – N1,000,000 |
| SRCC | limit – N250,000 | limit – N250,000 | limit – N250,000 |
| Flood | limit – N250,000 | limit – N250,000 | limit – N250,000 |
| Windscreen Damage | limit – N50,000 | limit – N50,000 | limit – N50,000 |
| Towing Limit | limit- N20,000 | limit- N20,000 | limit- N20,000 |
| Medical Expenses | limit- N100,000 | limit- N100,000 | limit- N100,000 |
| Excess | N25,000 or 10% of claim whichever is higher | N30,000 or 10% of claim, whichever is higher | N50,000 or 10% of claim whichever is higher |
| Types of Vehicle Covered | Private vehicles only | This plan provides cover for private vehicles like buses for school, staff, ambulances (excluding fare paying passengers). The maximum limit of passengers for such vehicles/buses is 16 seaters. | This plan provides cover for private vehicles carrying goods only. The policy covers only small and medium goods carrying vehicles e.g pickup and vans |
| BENEFITS | ||||
|---|---|---|---|---|
| Premium | N80,000 | N160,000 | N240,000 | N400,000 |
| Third Party property Damage | N3m | N3m | N3m | N3m |
| Third party bodily injury & Death | Unlimited | Unlimited | Unlimited | Unlimited |
| Own damage Limit | Up to N1,000,000 | Up to N2,000,000 | Up to N3,000,000 | Up to N5,000,000 |
| Theft | N2,000,000 | N4,000,000 | N6,000,000 | N10,000,000 |
| Fire | N2,000,000 | N4,000,000 | N6,000,000 | N10,000,000 |
| SRCC | Covered | Covered | Covered | Covered |
| Flood | Covered | Covered | Covered | Covered |
| Windscreen Damage | Covered | Covered | Covered | Covered |
| Towing Limit | N50,000.00 | N50,000.00 | N50,000.00 | N50,000.00 |
| Medical Expenses | N50,000.00 | N50,000 | N50,000 | N50,000 |
| Excess | Nil | Nil | Nil | Nil |
| Minimum Value of vehicle | N2,000,000 | N4,000,000 | N6,000,000 | N10,000,000 |
| Types of Vehicle Covered | Private vehicles only | Private vehicles only | Private vehicles only | Private vehicles only |
| Vehicle Types | |||||||
|---|---|---|---|---|---|---|---|
| Premium Rate | ₦15,000 | ₦20,000 | ₦20,000 | ₦100,000 | ₦5,000 | ₦3,000 | ₦20,000 |
| Third party property damage Limit (TPDD) | ₦3,000,000 | ₦5,000,000 | ₦3,000,000 | ₦5,000,000 | ₦2,000,000 | ₦1,000,000 | ₦3,000,000 |
| Third party property damage | ₦3,000,000 | ₦3,000,000 | ₦3,000,000 | ₦3,000,000 | ₦3,000,000 | ₦3,000,000 | ₦3,000,000 |
| Own damage | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
| Third party bodily injury and death | Unlimited but reasonable | Unlimited but reasonable | Unlimited but reasonable | Unlimited but reasonable | Unlimited but reasonable | Unlimited but reasonable | Unlimited but reasonable |
| Medical expenses to insured/driver from accident | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
| Towing of vehicles | Covered under limit of liability | Covered under limit of liability | Covered under limit of liability | Covered under limit of liability | Covered under limit of liability | Covered under limit of liability | Covered under limit of liability |
| Fire peril | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
| Windscreen damage (caused by unknown force of third party) | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
| Policy excess | ₦2,500 or 5%WIH | ₦2,500 or 5%WIH | ₦2,500 or 5%WIH | ₦2,500 or 5%WIH | ₦2,500 or 5%WIH | ₦2,500 or 5%WIH | ₦2,500 or 5%WIH |
| Tracking | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
| Passenger liability | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
| Payment Frequency | Annual | Annual | Annual | Annual | Annual | Annual | Annual |
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