3rd Party Motor Insurance

Have you got it ?

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Do you need 3rd Party Insurance ?

The Answer is YES.


In Nigeria, it is compulsory to have motor insurance before using or keeping a motor vehicle on public roads. Consequently, because of the preconceived notions that third party policy is just to beat law enforcement agents, many don’t realize that a third party policy is actually legal and indemnifies the insured from third party losses. Unfortunately, a lot of accidented vehicles which ordinarily would have been repaired by the insurance company are borne by the car owners.

Third Party Motor Insurance

For a third party motor policy, the first party is you; the second party is the insurance company while the third party is everyone else.

So third party motor insurance means that if you damage (crash into) someone else’s vehicle, the insurance pays the owner of that vehicle (the third party), or more importantly if you injure someone else with your vehicle, the insurance pays. Third party liability coverage is part of your basic motor policy and covers you for claims made against you by other drivers after a crash.

In other words, under third party insurance you cannot claim for the car you are driving regardless of whether it is a brand new tear rubber. You need a comprehensive cover for that. If you are driving someone else’s car, it won’t pay to have the car you are driving repaired. Only the car you hit.

What do we Offer?

  • Final settlement within 48 hours of return of Discharge Voucher to SA Insurance by claimant.
  • Prompt and stress free claims management.