Driving in Nigeria comes with its own set of challenges, and one of the biggest challenges in 2025 is staying on the right side of the law. On February 1st, 2025, the Nigerian police began enforcing the mandatory use of Third-Party Auto Insurance for all drivers on the road at strategic checkpoints. This means that if you are caught driving without it, you could face serious consequences, including fines of up to 250k, towing of your vehicle, or even legal action.
At Leadway Assurance, we want to make sure you are fully informed and protected. This blog will explain everything you need to know about Third-Party Auto Insurance, why it is so important, and how you can get it quickly and affordably. Let’s dive in!
What is Third-Party Auto Insurance?
Third-Party Auto Insurance is the most basic type of car insurance required by law in Nigeria. It is called “third-party” because it covers accidental damages or injuries you might cause to other people or their property while driving. For example, if you accidentally hit another car or injure a pedestrian, your Third-Party Auto Insurance will cover the costs of repairs or medical bills for the affected party.
However, it is important to note that Third-Party Auto Insurance does not cover damages to your own vehicle. For that, you will need Comprehensive Auto Insurance, which offers more extensive coverage.
Why is Third-Party Auto Insurance Mandatory in Nigeria?
The Nigerian government and the Police have made Third-Party Auto Insurance mandatory for several important reasons:
- Protecting Other Road Users: Accidents can happen to anyone, and when they do, the costs can be overwhelming. Third-Party Auto Insurance ensures that if you cause an accident, the affected party won’t have to bear the financial burden alone.
- Reducing Financial Stress: Without insurance, you could be held personally responsible for paying for damages or injuries caused by an accident. This could lead to significant financial stress or even bankruptcy.
- Promoting Responsible Driving: Through Third-Party Auto Insurance, the government is encouraging drivers to take responsibility for their actions on the road.
What Happens if You Drive Without Third-Party Auto Insurance?
Since the beginning of February this year, the Nigerian police have been actively enforcing the law requiring all drivers to have Third-Party Auto Insurance. If you are caught driving without it, here is what could happen:
- Fines: You may be required to pay a hefty fine of up to ₦250,000 on the spot.
- Towing of Your Vehicle: In some cases, the police may impound your car until you provide proof of insurance.
- Legal Action: Repeated offences could lead to more serious legal consequences, including court appearances or even a jail term.
The bottom line? Driving without Third-Party Auto Insurance is not worth the risk. It is better to stay protected and avoid unnecessary trouble.
Why Choose Leadway Assurance for Third-Party Auto Insurance?
Regarding Third-Party Auto Insurance, Leadway Assurance is the name you can trust. Here is why:
- Affordable Rates: We offer some of the most competitive premiums in Nigeria, so you don’t have to break the bank to stay protected.
- Quick and Easy Process: Getting your Third-Party Auto Insurance with us is fast and hassle-free. You can complete the entire process online in just a few minutes.
- Instant Certificate: Once you have made your payment, you will receive your insurance certificate instantly via email. This means you can start driving legally right away.
- Trusted by Millions: With decades of experience, we are one of the most trusted insurance companies in Nigeria.
Drive Legally and Safely with Leadway Assurance
Driving can be unpredictable, but with Third-Party Auto Insurance from us, you can drive with confidence knowing that you are fully protected and compliant with the law.
Don’t wait until it’s too late. Get your Third-Party Auto Insurance today and avoid unnecessary trouble with the police. Visit leadway.com or send an email to to get started now!
