Comprehensive Auto Insurance

This Insurance product provides the widest cover against fire, theft and other damages caused to your vehicle. It also covers death, bodily injury and damages to the vehicle or property of third parties caused by the insured vehicle(s).

Get Quote

Compare options

Benefits

Includes but not limited to:

Premium is 5% of the value of the insured vehicle (as stipulated by the National Insurance Commission)

Provides coverage for loss or damage to your vehicle due to theft, fire, flood, vandalism and more.

Covers damage to third-party property up to 3,000,000 naira

Accidental total and permanent disability to the insured to a limit of ₦1,000,000.00

This plan covers up to ₦100,000 for towing your vehicle from the scene of an accident.

Documents Required

Includes but not limited to:

Your Vehicle’s license

Pictures of the vehicle

Proof of ownership

A valid ID

Completed proposal form (hard copy or e-copy if you’re not buying on the website or mobile app)- for towing of vehicle from accident scene.

Frequently Asked Questions

Includes but not limited to:

Q. Is the Premium(price) for this plan negotiable?

A. The premium set for our Comprehensive Auto Insurance products are stipulated by NAICOM (the National Insurance Commission) and are fixed. However, we might have other products that would meet your requirements, please visit www.leadway.com/call-me to request a call back for more information.

Q. Can I pay my premium in instalments?

A. Yes, the premium can be paid Quarterly, Bi-annual, annual (terms and condition apply)

Q. If my car develops a fault, will it be covered by insurance? 

A. This insurance doesn’t cover your vehicle’s technical or mechanical issues if they are not directly caused by an accident or insured peril e.g. fire, flood, vandalism, theft etc.

Q. Will I get my money back if nothing happens to my car during the entire duration of this cover?

A. Car insurance operates on a risk-sharing principle where you pay premiums to the insurance company in exchange for financial protection against potential future losses or damages. These premiums are non-refundable, even if you don’t file any claims during the coverage period. However, a “no-claims bonus” or a discount on your premiums might apply if you go several years without filing any claims but this is not a refund of your premiums but rather a reward for maintaining a claim-free record.

Q. Can I increase the value of my car if it goes up while my policy is still active?

A. We strongly advise you increase the value during your renewal.

Q. Can I switch to Third-party insurance after this policy expires?

A. While we do not advise you to do so, because you enjoy better protection with Comprehensive Insurance; however, you are free to switch to any of our Third-party auto insurance options if you please after your policy expires.

Q. What is VehiScanner?

A. VehiScannerAI is Leadway Assurance’s easy-to-use AI-enhanced vehicle inspection tool that policyholders would use to complete the required vehicle inspection at policy inception (after payment) and when you make a claim.

Q. Can I still buy this plan if my car is used for business purposes and is the premium the same as personal-use cars?

A. Yes, you can still get this plan for commercial vehicles, however the rates are different from that of private-use vehicles and premium depends on the nature of vehicle usage and the risks involved. Request a call-back via www.leadway.com/call-me or send an email to for further information.

Q. How do I get further information? 

A. Go to our ‘Contact us’ page and explore any of the channels there to contact us. You can also tap on our ‘Live chat’ feature to chat with a representative now.

Get Quote