Are You Really Protected?

Police Crackdown on Motorists

It was a humid Monday morning in Lagos, and the usual traffic bottleneck had begun forming near Ojuelegba. Kunle, a struggling small business owner, was on his way to deliver a generator to a client when a police officer flagged him down.

“Oga, your particulars,” the officer demanded, scanning Kunle’s documents with obvious disinterest.

Kunle confidently handed over his car documents, including his comprehensive insurance certificate. But the officer’s face twisted into a frown.

“This one no go work. We need third-party insurance,” the officer insisted.

Kunle, confused, tried to explain. “Oga, this is comprehensive. It even covers accident to my vehicle, third-party liability and more.”

“Na wetin I talk be that? The law says third-party. This one no follow,” the officer shot back.

Kunle, infuriated but unwilling to argue because he was already running behind time, had to plead with the police to allow him to go to avoid further delay. He drove off, shaking his head at yet another flawed enforcement.

The Third-Party Insurance Enforcement Begins: The Nation Reacts

From February 1, 2025, the Nigeria Police officially commenced the enforcement of the long-existing but often-ignored Third-Party Motor Insurance law. Across the country, motorists found themselves pulled over at checkpoints, their documents scrutinized like never before. But instead of widespread compliance, the move sparked heated debates, confusion, and even resistance.

Many Nigerians questioned the timing. Why now, after decades of lax enforcement? Others raised concerns over the role of the police, arguing that such enforcement should fall under the jurisdiction of the Federal Road Safety Corps (FRSC). The already fragile trust in law enforcement, worsened by past experiences of extortion, made the initiative feel more like another revenue drive than a genuine effort to protect citizens.

Some drivers, unaware of the actual benefits of third-party insurance, saw it as just another government-imposed levy. Others just like Kunle, who had comprehensive insurance, found themselves baffled when some officers rejected their policies, insisting only third-party coverage was valid under the law. The inconsistencies fueled suspicion, leaving many wondering, is this about public safety, or just another way to drain our pockets?

Yet, beyond the noise and skepticism, a crucial truth remained: third-party insurance is not just a legal requirement; it is a financial lifesaver. The problem, however, was that most Nigerians had never experienced its true value.

To bridge this gap, it is essential to educate both motorists and law enforcement officers on the real purpose and benefits of third-party insurance not just as a regulatory tool, but as a vital financial protection for all road users.

What Does Third-Party Insurance Cover?

Third-party motor insurance is the most basic and legally required form of vehicle insurance in Nigeria. It is designed to provide financial protection for others, when the policyholder is at fault in an accident. The key areas of coverage include:

1. Property Damage to Third Parties: If you hit another car, damage a building, or destroy public infrastructure like streetlights or traffic signs, your insurance covers the cost of repairs or replacement.
2. Injury or Death of Third Parties: If an accident causes injury or death to another road user whether a pedestrian, passenger, or another driver, third-party insurance covers medical expenses, legal fees, and compensation to the third party or their beneficiaries.
3. Legal Liability: In cases where an accident results in a lawsuit, third-party insurance covers legal costs and compensation that may be awarded to the injured party.

In Nigeria, the minimum compensation limit for third-party motor insurance is ₦3 million for property damage and unlimited liability for injury or death. This means that for just ₦15,000 annually, motorists are financially protected against potentially devastating claims.

Why Every Motorist Needs Third-Party Insurance

Many drivers do not realize the financial disaster they could face if they cause an accident without insurance. A single claim could run into millions, leading to lawsuits, asset seizures, or even imprisonment for those unable to pay damages.

With third-party insurance, a driver who causes an accident does not have to bear the burden alone. Instead of selling off assets or borrowing money to settle claims, their insurance company steps in to handle the costs.

The Bigger Picture And A Call to Action

While there may be concerns about enforcement, the reality is that third-party insurance is in the best interest of every road user. Rather than seeing it as just another government requirement, Nigerians must embrace it as a crucial financial life saver.

To the public: Before you hit the road, ask yourself, can you afford to pay millions out of pocket if you cause an accident? If not, get your third-party insurance today and be protected.

To the police and enforcement officers: Understanding third-party insurance and enforcing it correctly will build public trust. Proper education, not intimidation, will encourage compliance.

At the end of the day, third-party insurance is not just a legal document, it is a lifeline that protects individuals, families, and businesses from potential financial ruin. Drive insured. Drive responsibly.