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Third-Party Insurance: Things To Know About The Latest Police Enforcement

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The Nigeria Police Force on February 1st 2025, launched a nationwide enforcement of third-party motor insurance.

This new initiative aims to curb the high number of uninsured vehicles on Nigerian roads and provide victims of accidents with proper compensation.

While the policy has been established under the Insurance Act of 2003, many Nigerians, especially vehicle owners, remain uncertain about the details and implications of this enforcement

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The enforcement exercise is kicking off simultaneously across the country. Motorists without valid third-party insurance have been advised to comply or face the consequences.

READ ALSO: Police Bust Gang Targeting Bank Customers, Stealing From Cars

In a press statement released by the National Insurance Commission, titled “Understanding the Latest Announcement of the Enforcement of Third-Party Insurance by the Nigeria Police Force,” it was revealed that third-party insurance is the minimum coverage compulsorily required by law for any vehicle on Nigerian roads, while Comprehensive Motor Insurance is optional and recommended.

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The statement reads: “The National Insurance Commission welcomes the announcement by the Nigeria Police Force that, effective 1st February 2025, there will be a nationwide enforcement of Third-Party Motor Insurance for all vehicles on Nigerian roads. This move aims to ensure compliance with Section 68 of the Insurance Act 2003.

“The Commission recognizes that many Nigerians, especially vehicle owners, may not fully understand the importance of the law or the benefits of the Third-Party Motor Insurance Policy. So, what does this mean for vehicle owners in Nigeria? To answer this question, the Commission states as follows:

“Third-Party Motor Insurance is the minimum coverage compulsorily required by law for any vehicle on our roads, while Comprehensive Motor Insurance is optional but recommended.

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“The purpose of every vehicle on the road having Third-Party Motor Insurance is to ensure the safety of others and provide financial compensation for damages, injuries, or loss of life in the event of accidents covered by the policy.

“The Third-Party Motor Insurance Policy can be procured from or through only licensed insurance entities authorized by the National Insurance Commission to transact Motor Insurance business in Nigeria.

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“The Third-Party Motor Insurance Policy is sold for a premium of N15,000 per year to private car owners, while the premiums for commercial vehicles vary depending on the type of vehicle.

“The Third-Party Motor Insurance Policy offers policyholders coverage up to N3 million to repair or replace the property of an innocent third party damaged during an accident. It also provides access to limited medical care for any injured third party as a result of the accident. In addition, it provides financial compensation to the family of the deceased innocent third party in the event of death.

READ ALSO: Edo Police Arrest Man For Allegedly Raping Minor

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“Furthermore, the Third-Party Motor Insurance Policy now includes third-party motor insurance coverage for the vehicle if driven to any West African country, as per the ECOWAS Brown Card Scheme.

“The Commission encourages vehicle owners in Nigeria to take full advantage of the enforcement announced by the Nigerian Police Force to ensure the safety and protection of lives, properties, and financial compensation for innocent third parties on our roads.

“A Complaints Bureau is also in place at the National Insurance Commission for resolving any complaints from the public who may be dissatisfied with an insurance company’s service or response to claims.”

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Anambra Poll: CDD Releases Post-election Findings, Recommends improved INEC’s Operational Capacity

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The Centre for Democracy and Development (CDD-West Africa), has released its post-election findings on the just concluded Anambra governorship election, recommending improvement in INEC’s operational capacity, prioritised voter education, issue-based campaigns, amongst others.

In a post-election press briefing held in Akwa on Sunday, the CDD said the “2025 Anambra election reveals that Nigeria’s electoral challenges are deeply linked to wider governance failures; weak institutions, elite dominance, economic hardship, insecurity, and lack of accountability continue to shape voter behaviour and electoral outcomes.”

In the post-election statement signed by Dr. Dauda Garuba, Director, CDD, and Professor Victor Adetula, Chair,
CDD-West Africa Election Analysis Centre, recommended that the “ongoing electoral reforms must target improving INEC’s operational capacity through timely funding, decentralised planning, and consistent communication.

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READ ALSO: CDD Assesses Anambra Guber Poll, Says Vote Buying Prominent In South, Central

“Such operational issues include logistics, mandatory real-time result publication via IReV, early voting for essential personnel and adequate personnel training.”

The CDD, while urging political parties to prioritise voter education and conduct issue-based campaigns, the organisation urged politicians to uphold internal democracy and adhere to transparent campaign financing.

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Elections cannot be treated as temporary security events. The government at all levels must develop a more sustainable security architecture that addresses root causes and provides year-round safety for residents.

“Only then can we safeguard electoral processes without relying on massive deployments that strain national resources and offer no long-term protection.”

READ ALSO:Tinubu’s ‘Balablu’: CDD Tackles Campaign Director, Alake On Claim

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The CDD, while decrying the prevalent of vote trading in the election, said conscious steps must be taken to discourage this “through deliberate efforts to deliver good governance while promoting civic education across all strata of society to discourage transactional politics.”

The National Orientation Agency must take centre stage on this. Ongoing reforms of the electoral act must take into consideration the need to arrest and prosecute electoral offenders.”

The CDD said that “as the country prepares for the 2026 off-cycle elections and the 2027 general elections, these reforms must be prioritised.”

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It added: “Nigeria’s democratic survival depends not just on voting but on the strength of the institutions and the governance practices that surround it.”

 

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UPDATED: INEC Declares Soludo Winner Of Anambra Guber Poll

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The candidate of the All Progressives Grand Alliance, Prof. Chukwuma Soludo, has been declared the winner of the Saturday, November 8, 2025, Anambra State governorship election by the Returning Officer of the Independent National Electoral Commission, Prof. Edoba Omoregie.

Soludo, who polled a total of 422,664 votes, defeated his closest rival, the candidate of the All Progressives Congress, Nicholas Ukachukwu, who scored 99,445 votes, while the candidate of the Young Progressives Party, Sir Paul Chukwuma, came third with 37,753 votes.

According to INEC, a total of 16 candidates from various political parties participated in the election.

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The state had 2,788,864 registered voters, out of which 598,229 were accredited. A total of 595,298 votes were cast, while 11,244 votes were rejected across the 21 local government areas.

READ ALSO:BREAKING: Soludo Sweeps Anambra Guber Election

From the results announced, Soludo of APGA won in all 21 local government areas of the state in a landslide victory.

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Announcing the results at the INEC headquarters in Awka on Sunday, Omoregie said, “The number of registered voters was 2,788,864, while accredited voters were 598,229. The total valid votes stood at 584,054, rejected votes were 11,244, and the total votes cast amounted to 595,298.”

He added, “After collating the results as tallied into Form EC8E, it is now my privilege to declare the figures each candidate scored according to their political parties.

“There were a few areas affected by incidents, leading to cancellations in some wards across Anambra West, Anaocha, Awka South, and Onitsha South LGAs, amounting to 10,481 affected votes. However, the margin of lead between the top candidates did not affect the overall outcome of the election.

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“I, Prof. Edoba Omoregie, Returning Officer for the 2025 Anambra State Governorship Election, hereby declare that the election was peaceful. Chukwuma Soludo of the All Progressives Grand Alliance, having scored 422,664 votes — the highest number of valid votes cast and having satisfied the requirements of the law — is hereby declared the winner and returned elected.”

Breakdown of results:

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Total registered voters: 2,788,864

Total accredited voters: 598,229

Total valid votes: 584,054

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Rejected votes: 11,244

Total votes cast: 595,298

Votes by political parties:
A – 224
AA – 1,145
AAC – 292
ADC – 8,208
APC – 99,445
APGA – 422,664
APM – 892
APP – 73
BP – 126
LP – 10,576
NNPP – 525
NRM – 36
PDP – 1,401
SDP – 241
YPP – 37,753
ZLP – 453

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BREAKING: Soludo Sweeps Anambra Guber Election

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The candidate of the All Progressives Grand Alliance (APGA) in the Anambra governorship election, Prof. Charles Soludo has been declared winner of the poll.

Returning Officer of the election, Prof. Edoba declared Soludo winner having polled
422,664 votes to defeat his closest opponent.

READ ALSO:AnambraDecides: CTA Frowns at Logistic Challenge, Ill-treatment Meted On Security Personnel

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More details coming

 

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