Update the FAQ page with this: Auto Insurance – Frequently Asked Questions (FAQs)

1. What is Third Party Auto Insurance?

Third Party Auto Insurance covers you against legal liability for injury, death, or property damage caused to another person (the “third party”) due to an accident involving your insured vehicle. It does not cover damages to your own vehicle.

2. Who is considered a third party?

A third party is anyone other than the policyholder or insurer who suffers injury or property damage due to the insured vehicle. This includes:

Other drivers

Pedestrians

Cyclists

Property owners

3. What is the maximum I can claim under this policy?

You can claim up to ₦5,000,000 for:

Third party injuries or death

Damage to third party property
Note: An excess of ₦15,000 or 10% (for private vehicles) or ₦30,000 or 10% (for commercial vehicles) is deducted per claim — whichever is higher.

4. What do I do if an accident occurs?

Ensure everyone's safety and seek medical help if needed.

Take clear photos of the accident and the vehicles involved.

Get a police report at the scene or from the station (must indicate who’s at fault).

Collect the third party’s insurance certificate and valid ID.

Report the incident to your insurer within 30 days.

If immediate action is required (e.g. towing, treatment), keep evidence of all actions and expenses.

5. What documents are required to make a claim?

You’ll need:

Completed claim form

Third party KYC form

Repair estimate

Photos of damage at the accident scene

Police report

Third party insurance certificate

Third party valid ID

6. Where do I submit my claim?

You can submit your claim directly through your user dashboard or by contacting the claims support team as listed in your policy documents.

7. How long does it take to process a claim?

Depending on the nature of the incident and how complete your documentation is, claims are typically processed within 7 to 15 working days after submission.

8. Where will my refund or payout be made?

Approved claims will be paid into the bank account provided by you during the claim process. Make sure the details are accurate and match your ID.

9. Can I repair or settle third party damage myself?

In non-critical situations, avoid repairing or settling without informing your insurer first, as this may void your claim. In urgent cases, act responsibly but document everything (photos, receipts, reports) and notify your insurer immediately.

10. What if the third party is uninsured?

Your claim is still valid. Your insurer will cover the third party’s damage or injury (up to your policy limit) even if they don’t have insurance.

11. What if I’m not at fault?

The police report will determine fault. If the third party is liable, their insurer should handle your compensation. If they are uninsured, legal recovery may be required.

12. Can someone else drive my car under this policy?

Yes — as long as the person:

Has your permission

Holds a valid driver’s license

Is not disqualified from driving

13. What is a policy excess?

It’s the portion of the claim you must pay before the insurer covers the rest. It’s ₦15,000 or 10% for private cars and ₦30,000 or 10% for commercial vehicles — whichever is greater.

14. What happens in a total loss situation (third party vehicle beyond repair)?

Your insurer will pay the market value of the vehicle up to the ₦5,000,000 limit, minus the excess.

15. How can I track the status of my claim?

Log into your dashboard to monitor your claim progress, get updates, and upload any additional documents requested.