Insurance Claims Made Easy
In just eight months of 2021, Linkage Assurance paid out ₦2.45 billion in claims—proving that insurance in Nigeria can work when done right.
Yet, for many people, the fear still lingers:
“Will they actually pay me when something happens?”
“Is it worth the stress?”
Truth is, insurance works best when claims are processed quickly, clearly, and fairly—and that’s where Linkage Assurance stands out.
Whether you’re dealing with an accident, theft, fire, or business interruption, we believe your claims process should never be more stressful than the incident itself. That’s why we’ve built a claims system that’s both globally backed and locally responsive; fast, accessible, and designed to help you recover without delays.
Why Claims Fail
Studies show 70% of delays come from missing documents or wrong information.
In Nigeria, common issues include:
- No police report after an accident or crime
- Missing evidence of damage (photo or video format)
- Late notification, leading to avoidable bureaucratic delays
Step-by-Step Guide to Claims
1. Act Immediately
- Inform Linkage within 24 hours via portal or claims@linkageassurance.com
- Find a nearby police station to file an official report
2. Gather Your Documents
- Valid ID, driver’s license, vehicle registration, completed claim form
- Police and accident report
- A minimum of 3 clear photos of damage showing spot of damage and reg. no.
- Repair estimate/invoices if available
3. Submit Your Claim
- Online portal: Upload all files directly
- Email: Send to claims@linkageassurance.com
- Walk-in: Visit branch and submit paperwork
4. Assessment
- Linkage inspects within 48 hours
- You may receive an on-site or remote assessment
- A cost estimate follows
5. Approval & Settlement
- For Own damage: payment is made directly to the repairer
- For Third-party: linked third-party settlement process (same day turnaround)
6. Payment or Repair
- Funds transferred or repairs carried out. Often done within 3–5 working days
Mistakes to Avoid
- Missing police or date stamps
- Lack of vehicle damage documentation
- Late reporting
- Incorrect or incomplete forms
- Not following up after submission
When Can You Expect Payment?
- Minor own-vehicle claims: Often processed in 48h
- Third-party claims: Dependent on third-party cooperation
- Major loss: Evaluations may take longer—the inspector will advise
Claims Shouldn’t Be Painful
We have put in place claims management processes with a strong technology framework that ensures our customers can report their claims speedily from anywhere they are without having to come to our office.
This is supported by online real-time customer service unit that are on 24-hours to respond to enquiries and complaints of customers from any location across Nigeria.
With Linkage Assurance:
– You’re never alone, talk to us anytime
– Our portal, walk-in, and email channels guarantee full support
– Document what matters and claim what’s yours
Protect in peace, claim with confidence: your insurance shouldn’t just sit, it should serve you.
