Insurance Made Simple
Protect Your Future with Nigeria's Leading Digital Insurance Platform
From health to auto, business to home—get instant quotes, file claims in minutes, and experience insurance built for the modern Nigerian.
Why Nigerians Trust Us
-
NAICOM Licensed Fully regulated by Nigeria's National Insurance Commission, ensuring your coverage meets all legal standards and protections.
-
Instant Digital Claims File and track claims from your phone. Most claims approved within 24 hours with direct bank transfers.
-
Transparent Pricing No hidden fees, no surprises. See exactly what you're paying for with clear breakdowns and flexible payment plans.
-
24/7 Support Our Lagos-based customer care team is available round the clock via WhatsApp, phone, or email.
Insurance That Works for You
Get covered in minutes, not days. Our digital platform generates your policy certificate instantly after payment—no paperwork, no waiting.
Upload photos, submit documents, and track your claim status in real-time. Our AI-powered system speeds up verification while our team ensures accuracy.
Pay monthly, quarterly, or annually. We accept bank transfers, cards, USSD, and mobile money—whatever works best for you.
From motor insurance to health, home, business, and life coverage—all managed from one simple dashboard. Bundle policies and save up to 20%.
How We're Changing Insurance in Nigeria
Built for Nigeria
We understand the unique challenges of insurance in Nigeria—from currency fluctuations to infrastructure gaps. Our platform is designed specifically for the Nigerian market, with local payment integrations, Naira-denominated policies, and support for both urban and rural customers.
Technology Meets Trust
We've combined cutting-edge technology with the personal touch Nigerians expect. While our platform automates the routine tasks, our local team is always available to guide you through complex decisions and support you when you need it most.
Growing with You
Whether you're a student getting your first health policy, a family protecting your home, or a business owner covering your fleet—we scale with your needs. Add coverage, adjust limits, and manage everything from one account as your life evolves.
Trusted by Thousands
I filed my auto claim on a Sunday evening and had the money in my account by Monday afternoon. This is the future of insurance in Nigeria.
See the Difference
Old Way: Hours in queues, endless paperwork
Our Way: 5 minutes online, instant coverage
18 Hours
Claims Processed in Record Time
While traditional insurers take weeks or months, we've streamlined the entire claims process. Our average settlement time is just 18 hours from submission to payment—because we know you need support when it matters most.
Real Stories from Real Customers
Switched our entire team's health insurance to Lagos Insurtech and saved 30% while getting better coverage. The claims process is seamless—our employees love it.
Managing insurance for 45 vehicles used to be a nightmare. Now we handle everything through one dashboard, and claims are resolved in days instead of months.
After a fire damaged our warehouse, Lagos Insurtech had an adjuster on-site within 4 hours and approved our claim in 3 days. They saved our business.
We recommend Lagos Insurtech to all our patients. Their health plans are comprehensive, affordable, and the reimbursement process actually works.
Choose Your Coverage
| Features | Basic | Standard | Premium |
|---|---|---|---|
| Motor Insurance | |||
| Third Party Coverage | ✓ | ✓ | ✓ |
| Comprehensive Coverage | — | ✓ | ✓ |
| Windscreen Protection | — | — | ✓ |
| Roadside Assistance | — | — | ✓ |
| Health Insurance | |||
| Outpatient Care | ₦50K limit | ₦200K limit | Unlimited |
| Inpatient Care | ₦500K limit | ₦2M limit | ₦5M limit |
| Dental & Optical | — | ✓ | ✓ |
| International Coverage | — | — | ✓ |
| Business Insurance | |||
| Property Coverage | ₦5M limit | ₦20M limit | ₦100M limit |
| Liability Protection | ✓ | ✓ | ✓ |
| Business Interruption | — | ✓ | ✓ |
| Cyber Insurance | — | — | ✓ |
Frequently Asked Questions
How quickly can I get covered?
You can get instant coverage in as little as 5 minutes. Simply get a quote online, make payment through any of our secure channels, and your policy certificate will be generated immediately. For more complex business policies, our team will contact you within 2 hours to finalize details.
What payment methods do you accept?
We accept bank transfers, debit/credit cards (Visa, Mastercard, Verve), USSD codes, mobile money, and direct debit. You can pay monthly, quarterly, or annually—whichever works best for your budget.
How do I file a claim?
Log into your account, click 'File a Claim,' upload supporting documents (photos, receipts, police reports if applicable), and submit. You'll receive a claim number immediately and can track progress in real-time. Our team reviews most claims within 24 hours.
Are you licensed and regulated?
Yes, we are fully licensed by the National Insurance Commission (NAICOM) and comply with all Nigerian insurance regulations. Your policies are backed by our reinsurance partners and protected under Nigerian law.
Can I cancel my policy?
Yes, you can cancel anytime. For annual policies, you'll receive a pro-rated refund for unused months (minus any claims paid). For monthly policies, simply cancel before your next billing date. No cancellation fees.
Do you cover pre-existing conditions?
For health insurance, pre-existing conditions are covered after a 6-month waiting period on Standard and Premium plans. Basic plans exclude pre-existing conditions. Motor, home, and business insurance have no such restrictions.
Ready to Get Started?
Join over 50,000 Nigerians who've switched to smarter insurance. Get an instant quote, compare plans, and start your coverage today—all from your phone.