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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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READ ALSO: JUST IN: Speed Darlington Regains Freedom After Two Months In Police Custody

“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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YULETIDE: Edo Sports Commission Boss Preaches Unity, Peace

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The Executive Chairman of the Edo State Sports Commission, Hon. Amadin Desmond Enabulele, has extended warm Christmas greetings to athletes, coaches, sports administrators, journalists, and the people of Edo State, urging them to uphold the enduring values of love, peace, and unity that define the festive season.

In a statement issued by his Media Officer, Edoko Wilson Edoko, Hon. Enabulele described Christmas as a period of reflection, gratitude, and renewed commitment to collective progress and shared responsibility.

“I sincerely appreciate all stakeholders in the sports sector for their cooperation, resilience, and unwavering support throughout the year. Your contributions have been instrumental to the growth and success of sports in Edo State,” he said.

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READ ALSO:Edo SWAN Distances Self From Online Publication Against Enabulele

He further commended Edo athletes for their dedication and discipline, noting that their consistent performances have continued to bring pride and recognition to the state at both national and international levels.

According to him, the Commission remains committed to athletes’ welfare, grassroots sports development, and the creation of opportunities that will enable talents to flourish.

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Enabulele also called on residents of the state to celebrate responsibly and show compassion to one another, particularly the less privileged, emphasizing that unity and peaceful coexistence are vital for sustainable development.

READ ALSO:How Enabulele Is Driving Okpebholo’s Agenda In Edo Sports Commission

He reaffirmed the Edo State Sports Commission’s resolve to strengthen collaboration with partners and stakeholders in the coming year, with increased focus on excellence, transparency, and inclusive sports development.

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The Sports Commission boss concluded by wishing everyone a joyous Christmas celebration and a prosperous New Year filled with hope, good health, and greater achievements.

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MOWAA: Okpehbolo Receives Edo Assembly Resolution Indicting Obaseki

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Edo State Governor, Monday Okpebholo, received report and resolutions of the Edo State House of Assembly which indicted former Governor Godwin Obaseki on the Museum of West African Art (MOWAA) and the Radisson Hotel projects.

Recall that the Edo Assembly raised a five-man committee to investigate funding and ownership of both projects following a request by Governor Okpebholo.

Okpebholo, who spoke after receiving the report said its findings and recommendations would be fully implemented.

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Okpebholo said the Economic and Financial Crimes Commission (EFCC) would be invited to further examine issues raised in the recommendations.

READ ALSO:MOWAA: Why I Will Not Appear Before Edo Assembly Panel — Obaseki

According to him, the Edo State Government has significant stakes in the MOWAA and Radisson Blu hotel having invested ₦3.8bn respectively in both projects.

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He said changes in the structure and nomenclature of the MOWAA project made the investigation unavoidable.

Okpebholo said it was unacceptable to suggest Edo State has only 10 per cent stake in the Radisson Blu hotem despite investing over ₦28bn.

Edo State has spent over ₦3.8 billion on this project, yet some people are saying the state has no stake in it. That is totally unacceptable. I will work with your recommendations and forward them to the relevant authorities to investigate what truly happened. We will also involve the EFCC.

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READ ALSO:MOWAA Controversy: Edo Assembly Threatens Arrest Warrant On Obaseki, Others

“Our investment in this project is over ₦28 billion. We must invite the EFCC to step in and determine if this is how businesses are conducted in Nigeria,” he said.

In its recommendations passed by the Assembly, the five-man committee headed by Hon Addeh Isibor, urged the Edo State Government to take possession of both projects.

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It asked Governor Okpebholo to contract competent hands to complete renovation of the Hotel and take all steps to put the Hotel to use.

The recommendations urged the Edo State Government to revoke “the fraudulent Certificate of Occupancy to the property issued in the name of Hospitality Investment and Management Company Limited and revert same to the Edo State Government that purchased the property.

READ ALSO:Edo Assembly Charges Contractor Handling Ekekhuan Road To Accelerate Work

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“That the Edo State Government initiate legal action and work with relevant Anti-graft Agencies to retrieve both the complete statement of account and the balance of the Seventeen Billion, Five Hundred Million Naira (N17,500,000,000.00) Bond proceeds still in the possession of the Escrow Agents. Meristen Trustees Limited and Emerging Africa Trustees Limited.

“The title to the MOWAA Property having never been revoked, same remains the property of the Central Hospital, Benin City

“That the Edo State Government immediately takes all necessary step to put the property to good use in the best and overriding public interest of the people of Edo State.”

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Speaker of the Assembly, Hon. Blessing Agbebaku, said the facts about MOWAA and Radisson Blu Hotel were now clearly documented in resolutions and outcomes.

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Sheikh Gummi Sues Two Over Alleged False Facebook Publication

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Prominent Islamic scholar, Sheikh Ahmad Gummi, has approached the Chief Magistrate Court in Kaduna, seeking the issuance of a criminal direct complainant summons against two Facebook users over alleged criminal conspiracy, attempt to cause public disturbance and criminal defamation.

The application, filed at the Chief Magistrate Court sitting on Ibrahim Taiwo Road, Kaduna, listed the defendants as George Udom and Bello Isiaka.

According to him, the defendants allegedly published a “Breaking News” statement on their respective Facebook pages on December 23, 2025, between 7:00 am and 10:00 am, attributed to him, threatening that the family of the Minister of Defence, General Christopher Musa, would be eliminated if military operations against bandits were not stopped.

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Gummi alleged that the publication was falsely attributed to him, as his photograph was allegedly used alongside the statement, giving the impression that he issued the threat against the Defence Minister.

READ ALSO:Nigeria Army Alone Cannot Defeat Bandits — Sheikh Gumi

The Islamic scholar stated that following the publication, he received numerous phone calls from concerned members of the public who believed he authored the statement and was attempting to intimidate the Minister of Defence in the discharge of his official duties.

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He further maintained that the publication portrayed him as a troublemaker and a threat to public peace, despite his long-standing reputation as a cleric known for preaching peace and harmony within and outside Nigeria.

The complainant argued that the alleged publication was capable of inciting public disorder in Kaduna State, particularly Southern Kaduna, and could expose him to danger by presenting him as a prime suspect in the event of any attack on the Defence Minister’s family.

READ ALSO:Insecurity: What Sheikh Gumi Told Me After Visiting Bandits Hideouts — Obasanjo

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He also contended that the actions of the defendants amounted to an attempt to cause public disturbance and criminal defamation of his character.

Dr Gummi told the court that the alleged acts contravened Sections 59, 57, 372, 116 and 117 of the Kaduna State Penal Code Law, 2017.

The application, dated December 24, 2025, was filed by a team of lawyers led by Suleiman Danlami Lere, with the complainant urging the court to summon the defendants to answer to the allegations.

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