Motor Insurance
Understand the difference between minimum legal cover and broader protection for your vehicle, passengers and third parties.
Cover overview
What this cover can help protect
- Damage to your own vehicle from accidents, fire or theft
- Your legal liability to third parties for injury or property damage
- Windscreen and glass damage, depending on the policy selected
- Towing and basic recovery after an accident, depending on the insurer
This is a general overview. Benefits, limits, conditions and exclusions vary between insurers and policies. We will explain the proposed wording before you decide.
Is it relevant to you?
It may be time to review your options if…
- You're buying or renewing cover for a private car
- You have more than one vehicle in the household
- Your policy is up for renewal and you want a second opinion
- You're not sure third-party-only cover is enough
Our role as your broker
Advice before placement. Support after it.
Needs analysis
We begin with your circumstances, priorities and exposure—not a preselected product.
Market placement
We approach suitable licensed insurers and help you weigh cover, terms and cost.
Documentation
We highlight important limits, exclusions and obligations before you make a decision.
Renewal & claims support
We review changing needs at renewal and remain involved if you need to claim.
Frequently asked questions
What's the difference between third-party and comprehensive cover?
Third-party pays for damage you cause to others; comprehensive adds cover for your own vehicle too.
Is third-party motor insurance compulsory in Nigeria?
Yes — it's the legal minimum. We can help you weigh up cover beyond that.
Will my premium change every year?
It can, based on vehicle value, usage and claims history — we review your options at every renewal.
What happens if I need to make a claim?
You notify us or the insurer, who investigates and decides under the policy terms — see our Claims page for the full process.
Let’s find out what suitable motor cover looks like for you.
Tell us what you need to protect. An adviser will help you understand the available options and the information insurers may require.
Pendulum Insurance Brokers Limited acts as an insurance intermediary and risk adviser. Insurance cover is underwritten and issued by the selected licensed insurer. Cover is not in force until the insurer confirms acceptance.