Why Upgrading Can Save You Big
Most drivers opt for the legally required Third-Party cover, perhaps because it is the cheapest option and also mandated by law. But many stay with it long after it no longer meets their needs.
You are missing out on real protection when you don’t upgrade, just like driving without a seatbelt and expecting zero bumps.
Understanding the Insurance Tiers
| Insurance Type | Covers Third Party | Own Vehicle Damage | Fire & Theft | Typical Annual Premium* |
| Third‑Party Only | ✔️ | ❌ | ❌ | ₦15,000 – ₦100,000 |
| Third‑Party Plus | ✔️ | ✔️(up to ₦750k) | ✔️(fire) | ₦30,000 – ₦60,000 |
| Comprehensive | ✔️ | ✔️(full value) | ✔️ | 5% of the value of vehicle |
*Premiums depend on vehicle age, value, and experience, which you can calculate in seconds on Linkage’s online portal.
Reality Check: Is It Time for an Insurance Upgrade?
Scenario A: You’ve Just Bought a New Ride
Chinwe recently bought a 2020 Toyota Corolla; she went with just Third-Party until a small scraping, dent and headlamp crack meant she had to pay ₦250k out of pocket. Upgrading to Third-Party Plus could have avoided that expense.
Scenario B: You’re a Daily Commuter
Mr. Musa logs over 200km a day on his Uber shift. All it takes is one pothole ravaging his alignment, shocks and linkages. With own-vehicle damage included in Third-Party Plus, the repair costs were covered—no sweat.
Scenario C: You Live in High-Risk Areas
Areas with fuel station fire risks or carjackings? Linda’s neighbourhood had a fire outbreak last year. With Third-Party Plus, her car and towing were covered, something an ordinary Third-Party policy would not cover.
Perks of Upgrading to Third–Party Plus Motor Insurance
- Own vehicle repair cover: Up to ₦500k–₦850k depending on plan
- Fire & partial theft protection included
- Towing services—especially valuable on highways
- Legal compliance—still meets mandatory Third‑Party requirement
- Incremental premium—pay ₦30k–₦60k vs 5% of vehicle worth for full comprehensive cover
Insurers and current clients agree and highlight that Third-Party Plus occupies a sweet spot: affordable & protective without full comprehensive costs .
How to Upgrade Easily
- Via Online Portal – in minutes under “Renewals/Upgrade”
- Office Walk-in – quick form and payment in any Linkage branch
- Agent Visit – they bring forms to you; process completed onsite
In most cases, there’s no need for vehicle inspection—your coverage adjusts smoothly.
Addressing Common Concerns
- Is it expensive? Many plans start from just ₦30k.
- Do I lose loyalty discounts? No, you don’t. Loyalty bonuses remain.
- What if I have an accident soon after upgrading? You’re covered from the day your policy updates.
Make the Smart, Affordable Move
If any of the scenarios above describe your situation (new car, high-mileage, area risks), upgrading to Third‑Party Plus is a no-brainer. It is still cost-effective, legally compliant, and offers tangible protection for real incidents.
Ready to upgrade? Start here: www.linkageassurance.com/motor
Protect Your ride, without breaking the bank.
