Linkage Motor Insurance

Linkage Motor Insurance:

Drive with Confidence, Stay Protected! 

Protect your vehicle and safeguard against unforeseen risks with Linkage Assurance PLC Motor Insurance. Our motor insurance policies offer comprehensive coverage options designed to provide financial security, peace of mind, and compliance with legal requirements for all vehicle owners in Nigeria.

We offer three levels of motor insurance coverage: 

1. Third-Party Plus Cover: The Third Party Plus policy from Linkage Assurance PLC offers limited Own Damage Protection in addition to the conventional Third-Party Protection, making it an essential product for anyone looking to secure their vehicle while balancing affordability. In today’s economic climate, securing the right motor insurance is more important than ever. Third Party Plus addresses both individual and corporate needs by offering a flexible and budget-conscious insurance solution that ensures you are covered without compromising your financial stability.

Budget-Friendly Premiums
Drive with confidence knowing that you’re backed by a policy offering essential coverage at an affordable price. Third Party Plus combines  third-party protection with limited own damage coverage, all within a competitive pricing structure. You can enjoy the peace of mind that comes with knowing your vehicle is protected without breaking the bank.

Tailored to Your Needs
Recognizing that every driver’s needs and financial circumstances differ, Third Party Plus offers four distinct variants to suit a wide range of preferences: 

Third Party Plus (On-the-Go): Designed for vehicles valued at least ₦2,000,000, this plan provides essential third-party protection along with ₦500,000 coverage for own damage.
Third Party Plus (Star): For vehicles valued at least ₦3,000,000, this variant offers enhanced own damage coverage of ₦750,000 in addition to the comprehensive third-party protection
Third Party Plus (Diamond): This option, for vehicles valued at least ₦3,500,000, increases own damage coverage to ₦850,000 while still providing the same thorough third-party protection.
Third Party Plus (Platinum): Exclusively for corporate clients, this variant offers robust coverage with ₦1,000,000 for own damage protection, ensuring that fleets and corporate vehicles are well taken care of.
S/N Item Product Variants
Third Party Plus (On-the-Go)
Individual Clients
(For vehicles valued not less than N2,000,000)
Third Party Plus (Star)
Individual Clients
(For vehicles valued not less than N3,000,000)
Third Party Plus (Diamond)
Individual Clients
(For vehicles valued not less than N3,500,000)
Third Party Plus (Platinum)
(For Corporate Clients Only)
1 Third Party Property Damage N3,000,000.00 N3,000,000.00 N3,000,000.00 N3,000,000.00
2 Third Party Injury/Death Unlimited Unlimited Unlimited Unlimited
3 Own Damage Limit N500,000.00 N750,000.00 N850,000.00 N1,000,000.00
4 Premium Amount N30,000.00 N50,000.00 N60,000.00 N70,000.00
5 Authorised Repair Limit Covered Covered Covered Covered
6 Towing Disabled Vehicle Covered Covered Covered Covered

2. Third-Party Insurance Cover (Mandatory by Law): This is the minimum compulsory motor insurance required by law in Nigeria. It provides financial protection against legal liabilities arising from accidents involving third parties, including:

Bodily injury or death of third parties (unlimited cover)
Damage to third-party property
Legal costs incurred with the insurer’s consent

3. Third-Party, Fire & Theft Insurance Cover: This policy includes all the benefits of the Third-Party Insurance Cover and extends coverage to loss or damage to the policyholder’s vehicle caused by:

Fire, external explosion, self-ignition, or lightning
Burglary, housebreaking, or theft

4. Comprehensive Insurance Cover (Full Protection for Your Vehicle): The most extensive motor insurance option, Comprehensive Cover, provides financial protection for both the policyholder’s vehicle and third-party liabilities. It covers:

Accidental damage or overturning
Fire, external explosion, self-ignition, or lightning
Burglary, housebreaking, or theft
Malicious acts or vandalism
Third-party bodily injury or death (unlimited cover)
Third-party property damage
Legal costs incurred with the insurer’s consent

Additional Benefits & Optional Add-ons:

Compensation for towing charges (within and across states)
Optional extensions: Riot, Strike & Civil Commotion, Flood Damage, Excess Buyback, etc.
Special discounts for large motor fleet policies

At Linkage Assurance PLC, we are committed to providing reliable, flexible, and affordable motor insurance solutions tailored to your needs. Get a free quote today and drive with confidence!

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