The Nigeria Police Force (NPF) has announced that they will enforce compulsory third-party motor insurance nationwide starting February 1, 2025. This directive is part of a strategic partnership with the National Insurance Commission (NAICOM) aimed at increasing compliance with insurance laws and safeguarding lives and property.
The Inspector General of Police (IGP), Kayode Adeolu Egbetokun, revealed this during a meeting with NAICOM’s Commissioner for Insurance, Olusegun Ayo Omosehin, and his team at the Force Headquarters in Abuja. The Commissioner praised the IGP for his milestones, including the establishment of the Police Insurance Company, and urged the police to assist in implementing third-party insurance policies for all road users.
Third-party motor insurance is a legal requirement under Section 68 of the Insurance Act and Section 312 of the Motor Vehicle (Third Party Insurance) Act. Despite its compulsory nature, only 30% of vehicles in Nigeria are insured, exposing road users to risks and financial losses. The IGP emphasized that violations of this law carry severe penalties, including fines, imprisonment, or both.
“Third-party insurance is not just a legal obligation; it is a lifeline that offers protection to road users in the event of accidents,” Egbetokun stated, urging vehicle owners to comply before the enforcement begins.
NAICOM pledged to support the police by providing educational materials and awareness campaigns to ensure smooth implementation. The Commissioner highlighted the economic and social benefits of widespread insurance coverage, stressing its role in mitigating accident-related losses.
Senior officials from NAICOM and the police, including Dr. Usman Jankara (Deputy Commissioner, Technical) and Dr. Talmiz Usman (Director, Legal and Enforcement), participated in the discussions. Both parties agreed on the need for public sensitization and police training to ensure a successful crackdown.
This collaboration aims to reduce uninsured vehicles on Nigerian roads, ensure compliance with existing laws, and promote accountability among road users. The IGP assured the public that the enforcement is not just punitive but a step towards protecting lives and property.
Nigerians are encouraged to secure third-party motor insurance before February 1 to avoid legal repercussions and contribute to a safer, more responsible driving cultures.
