You know how Nigerians like to leave things until the last minute? In fact, we have a special talent for telling ourselves, “There’s still time.”

Unfortunately, your car insurance is one thing you don’t want to gamble with.

Driving in Nigeria already comes with enough drama and adding expired car insurance to the mix makes it unbearable.

Here are three common things drivers say when putting off car insurance renewal, and how those delays can lead to unexpected expenses:

• “I thought I still had time” 

I knew I needed to renew my car insurance but I kept pushing it to the weekend. And little did I know what was waiting for me on my way to work. I accidentally bumped into another car and there was nothing my old policy could do to protect me. So, I had to deal with the expenses all by myself. Honestly, if I had known, I would have renewed when I first thought about it. – James, Lagos

• “December is already expensive enough,  I’ll sort things out later.”

Last December, I was just getting my car ready for Christmas travel. So I had bought fuel, changed my bumper and planned to renew my insurance later like on the 31st. But unfortunately, the road had other plans. Another driver tried to force their way past me on the road, and somehow, my side mirror got damaged and both cars got scratched. My insurance had expired, so I couldn’t rely on my policy for help with the damage. What was supposed to be a fun holiday, ended up with an unexpected expense. – Gerald, Abuja

• “I can still wait a little longer.”

I kept telling myself I would renew in a few days. Then, one rainy day, my car got stuck in a flooded road, and my engine stayed underwater for days before I could get help to recover it. Omo! The money I spent on repairs could have gone towards renewing my insurance long before then. Since that experience, I don’t even think twice about renewing on time. – Kelly, Lagos

Don’t wait until it’s urgent

It’s easy to keep saying you’ll renew your car insurance later. But as these experiences show, the unexpected can come up when you least expect them.

The smart move is to renew your car insurance early to keep your cover up to date and stay protected on the road.

With any of the Leadway Auto Insurance plans, you can get the cover you need to help protect yourself against covered road risks. Renewing early also helps you avoid the risk of driving with an expired insurance policy and gives you peace of mind on the road.

So, before your next road trip or December outing, check your expiry date. If your renewal is due, don’t wait until the last minute.

Ready to renew? Visit www.leadway.com or send a DM to us here to get started.