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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: UBTH CMD Charges Nigerians To Be Hopeful In Coming Year

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The Chief Medical Director of the University of Benin Teaching Hospital (UBTH), Prof. Idia Ize-Iyamu has urged Nigerians to remain optimistic about the upcoming year, despite current challenges.

Prof. Ize-Iyamu expressed optimism that the coming year would bring improvements for everyone.

The CMD made these remarks during the Nine Lessons and Carol night /End of Year Party organized by UBTH for staff and students held in Benin.

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Prof. Ize-Iyamu encouraged everyone to place their trust solely in Christ to overcome the numerous challenges facing the country.

READ ALSO:UBTH CMD Laments Inadequate Heath Workers, As Minister Promises Increased Funding

She expressed her gratitude to the hospital community for their support during her first four months in office.

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Prof. Ize-Iyamu assured them that the coming years hold many opportunities and that hope in Christ would transform lives daily, just as Christ’s birth brings joy and is the reason for the season.

She also extended her appreciation to everyone in the spirit of the season.

READ ALSO:UBTH Marks 2023 World Antimicrobial Resistance Awareness Week

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I want to appreciate everyone in the spirit of the season. Our commitment to excellence and professionalism remains at UBTH.

“UBTH CARES and just like Christ cares. As we celebrate Christ and the season. Let’s hope on him. When you have Christ, you have hope.We are hopeful that the coming year will be better as a people and institution,” Ize-Iyamu said.

The ceremony’s highlight featured a visit to the hospital wards where the CMD distributed gifts to patients and newborns, with management, staff, and students in attendance.

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Christmas: Edo Deputy Gov Preaches Unity, Hope

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The Deputy Governor of Edo State, Hon. Dennis Idahosa has called on residents of the state to embrace unity, love, and renewed hope as Christians celebrate Christmas.

In a statement by his Chief Press Secretary, Mr Friday Aghedo, Idahosa emphasised that Christmas represents values that unite people, regardless of tribe, religion, or politics, promoting compassion, generosity, and peace.

He described the birth of Jesus Christ as a timeless reminder of the values of peace, sacrifice, and compassion, which he said are critical to societal growth and harmonious coexistence.

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He urged Edo people to take advantage of the festive season to strengthen communal ties, extend goodwill to the less privileged, and recommit themselves to the collective development of the state.

READ ALSO:Edo Dep. Gov. Idahosa Inducted, Bestowed With Rotary Premium Award

The deputy governor further said that Christmas underscores the importance of shared humanity and collective responsibility in building a prosperous society.

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“Christmas is a season that reminds us of the power of hope and shared humanity.

“As a people, we must continue to stand together, support one another, and work collectively for a more prosperous Edo State,” Idahosa said.

READ ALSO:Okpebholo, Idahosa Bag UNIBEN Distinguished Service, Leadership Awards

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He reassured residents of the state of the firm commitment of the Governor Monday Okpebholo-led administration to enthrone good governance, inclusive development, and people-oriented policies aimed at improving the welfare and well-being of all Edo citizens.

Idahosa also appealed to residents to celebrate the season responsibly and sustain peace and harmony before, during, and after the festivities.

He wished Christians a joyous Christmas celebration and prayed for a peaceful, progressive, and prosperous Edo State.

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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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