When it comes to car insurance in Nigeria, one size does not fit all. Every driver faces unique risks, whether you’re a student using your first car, a business owner managing a fleet, or a family man driving cross-country. Choosing the right cover can make all the difference between peace of mind and financial disaster.
In this article, we’ll break down the three major types of car insurance: Third-Party Only, Third-Party Plus, and Comprehensive insurance and show you why Linkage Assurance provides the perfect blend of protection, affordability, and reliability.
1. Third-Party Only: The Minimum Legal Requirement
What it covers:
- Liability for injury or death to third parties
- Damage to other people’s vehicles or property
Who it’s for:
Drivers looking for the cheapest car insurance that meets legal requirements.
Limitation:
It doesn’t cover your own vehicle. If you’re in an accident, you shoulder the cost of repairs.
2. Third-Party Plus: More Value Without Breaking the Bank
Linkage Assurance understands that many Nigerians want more than just the bare minimum. That’s why we offer Third-Party Plus Insurance.
What it covers:
- All Third-Party Only benefits
- Limited cover for your own vehicle (up to ₦500,000)
- Free towing services after an accident
Who it’s for:
Budget-conscious drivers who want more peace of mind without paying for full comprehensive coverage.
Why it matters:
For just a little more premium, you enjoy extra protection that could save you hundreds of thousands of naira in repair costs.
3. Comprehensive Insurance: Maximum Protection, Zero Worries
What it covers:
- Third-party liability
- Full protection for your own car regardless of who is at fault
- Fire, theft, and accidental damage
- Add-ons like towing, medical expenses, increase in third party property damage, flood, strike riot & civil commotion, excess buy back and more
Who it’s for:
New car owners, high-value car drivers, and anyone who doesn’t want to worry about “what ifs.”
Why it matters:
With Comprehensive car insurance, you’re completely covered, ensuring your finances and lifestyle aren’t disrupted after an accident.
At Linkage Assurance, we provide peace of mind. Whether you’re opting for Third-Party Only, upgrading to Third-Party Plus, or going all in with Comprehensive insurance, we make it simple, fast, and reliable:
- Quick purchase online – Get covered in minutes from your phone or computer
- Trusted nationwide – Serving Nigerians for decades with dependable payouts
- Affordable plans – Designed to match your budget without compromising on cover
- Customer-first support – From claims to towing, we’re with you at every step
Driving in Nigeria comes with its risks but your insurance shouldn’t be one of them. Whether you want legal compliance, extra benefits at a friendly price, or full protection for your car, Linkage Assurance has the best car insurance options in Nigeria.
Don’t leave your future to chance.
Get your car insurance in Nigeria with Linkage Assurance today—and drive with confidence.
