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Motorcycle Insurance in Nigeria

Third party cover is mandatory for private and commercial riders alike — but so is the risk of buying a fake certificate.

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Top 8 Motorcycle Insurers in Nigeria

Ranked by performance & user satisfaction

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Insurer	Coverage Types	Highlights
1 Leadway Assurance	Third Party Comprehensive	Licensed by NAICOM Available nationwide across Nigeria
2 AXA Mansard Insurance	Third Party Comprehensive	NAICOM licensed insurer Digital policy purchase available
3 AIICO Insurance	Third Party Comprehensive	Listed on Nigerian Stock Exchange NAICOM licensed
4 Custodian Investment Plc	Third Party Comprehensive	NAICOM licensed Established Nigerian insurer
5 Sanlam General Insurance	Third Party Comprehensive	Part of Sanlam Africa group NAICOM licensed
6 Noor Takaful Insurance	Takaful Third Party Takaful Comprehensive	Sharia-compliant Takaful products NAICOM licensed
7 Linkage Assurance	Third Party Comprehensive	NAICOM licensed Listed insurer
8 Zenith General Insurance	Third Party Comprehensive	Backed by Zenith Bank Group NAICOM licensed

Leadway Assurance

Third Party

Licensed by NAICOM Available nationwide across Nigeria Online policy issuance available

AXA Mansard Insurance

Third Party

NAICOM licensed insurer Digital policy purchase available Part of AXA global group

AIICO Insurance

Third Party

Listed on Nigerian Stock Exchange NAICOM licensed Nationwide branch network

Custodian Investment Plc

Third Party

NAICOM licensed Established Nigerian insurer Motor and non-motor products

Sanlam General Insurance

Third Party

Part of Sanlam Africa group NAICOM licensed Digital insurance options available

Noor Takaful Insurance

Takaful Third Party

Sharia-compliant Takaful products NAICOM licensed Available in northern Nigeria

Linkage Assurance

Third Party

NAICOM licensed Listed insurer Motor insurance specialists

Zenith General Insurance

Third Party

Backed by Zenith Bank Group NAICOM licensed Digital claims available

Full Motorcycle Insurance Directory

Exhaustive list of regional providers

Insurer	Coverage Types	Highlights
Leadway Assurance	Third Party Comprehensive	Licensed by NAICOM Available nationwide across Nigeria
AXA Mansard Insurance	Third Party Comprehensive	NAICOM licensed insurer Digital policy purchase available
AIICO Insurance	Third Party Comprehensive	Listed on Nigerian Stock Exchange NAICOM licensed
Custodian Investment Plc	Third Party Comprehensive	NAICOM licensed Established Nigerian insurer
Sanlam General Insurance	Third Party Comprehensive	Part of Sanlam Africa group NAICOM licensed
Noor Takaful Insurance	Takaful Third Party Takaful Comprehensive	Sharia-compliant Takaful products NAICOM licensed
Linkage Assurance	Third Party Comprehensive	NAICOM licensed Listed insurer
Zenith General Insurance	Third Party Comprehensive	Backed by Zenith Bank Group NAICOM licensed

Leadway Assurance

Third Party

Licensed by NAICOM Available nationwide across Nigeria Online policy issuance available

AXA Mansard Insurance

Third Party

NAICOM licensed insurer Digital policy purchase available Part of AXA global group

AIICO Insurance

Third Party

Listed on Nigerian Stock Exchange NAICOM licensed Nationwide branch network

Custodian Investment Plc

Third Party

NAICOM licensed Established Nigerian insurer Motor and non-motor products

Sanlam General Insurance

Third Party

Part of Sanlam Africa group NAICOM licensed Digital insurance options available

Noor Takaful Insurance

Takaful Third Party

Sharia-compliant Takaful products NAICOM licensed Available in northern Nigeria

Linkage Assurance

Third Party

NAICOM licensed Listed insurer Motor insurance specialists

Zenith General Insurance

Third Party

Backed by Zenith Bank Group NAICOM licensed Digital claims available

Motorcycle insurance in Nigeria follows the same third-party mandate as cars under the Insurance Act, with commercial okada operation carrying its own distinct policy requirements around passenger liability.

Commercial vs. Private Use

If a motorcycle carries paying passengers commercially, standard private third-party cover typically isn't sufficient — a commercial policy including passenger liability is usually required instead. Riding commercially without the correct type risks a denied claim regardless of having some insurance in place.

Verify Through NIID

Given documented fraud concerns in the Nigerian insurance market generally, verifying a motorcycle certificate through the Nigerian Insurance Industry Database (NIID) before relying on it is a genuinely worthwhile step.

Comprehensive Cover

Comprehensive cover extending to the rider's own bike remains less common than third-party-only given cost sensitivity, but is worth considering for riders who depend on the motorcycle as their primary income source.

Choosing a Licensed Insurer

Buying directly through a NAICOM-licensed insurer or a verifiably registered broker remains the safer path, even when an unlicensed option appears cheaper upfront.

Key Guidance

If you ride commercially, confirm you hold the correct commercial policy type rather than assuming standard third-party cover extends to paying passengers — it generally doesn't. Read our complete guide for the full claims process.

In-Depth Guide