Third-party car insurance, the easy way.
CTN issues authentic third-party motor insurance across Nigeria, the legal minimum every vehicle must carry, registered with a licensed underwriter and verifiable on the official database.
The minimum cover the law requires. Bound in minutes.
Third party insurance in Nigeria is the legal minimum cover required by road traffic law. Every FRSC and VIO checkpoint asks for it. Driving without it is an offence. The cover pays for damage you cause to other parties' property and injury you cause to other road users. It does not cover damage to your own vehicle; that is comprehensive cover.
Genuine NAICOM-underwritten policies, not fake certificates.
Street agents in Nigeria sell fake third party certificates that fail when checked against the underwriter database. Our policies are issued by AIICO, Leadway, or AXA Mansard directly. Verifiable. Legitimate. Defensible at any roadside check.
Same-day digital certificate to your phone.
Pay in the morning; certificate on your phone by lunch. Shown at any FRSC or VIO checkpoint immediately. Physical card follows by post for the few use cases that still require it. No coming back to a counter.
No CTN fee on top of the underwriter premium.
We earn commission from the underwriter, not a markup on the customer. You pay the same ₦15,000 you would pay direct, but you get the work of arrangement, certificate handling, and renewal tracking included.
Why Nigerian drivers pick CTN for third party insurance.
Third party only (other parties' property and injury)
Mandatory minimum under Nigerian road traffic law
AIICO Insurance, Leadway Assurance, AXA Mansard
From ₦15,000 (private vehicles)
Higher; we quote per use case
From quote to certificate in four steps.
WhatsApp your vehicle details
Make, model, year, plate number, your name. We confirm whether the vehicle is private or commercial use and route to the right premium tier.
Quote in minutes
Within 30 minutes we send you the quote from one of the three underwriters (we pick the fastest-issuing channel for your vehicle type). Standard private rate is ₦15,000.
Pay the underwriter direct
You pay the underwriter the published premium directly through their bank channel. No CTN fee on top. Payment confirmed within minutes.
Certificate to your phone
Digital certificate (PDF) issued to your phone the same day. Physical card follows by post within 7 to 14 days. The digital certificate is accepted at every Nigerian checkpoint.
How third party insurance in Nigeria actually works.
The detail buyers and search engines look for, in plain language.
Third party insurance in Nigeria is the legal minimum cover required by road traffic law. Every FRSC and VIO checkpoint asks for it. Driving without it is an offence. The cover pays for damage you cause to other parties' property and injury you cause to other road users. It does not cover damage to your own vehicle; that is comprehensive cover.
We are the third party insurance company Nigerian car owners use because we hold agent relationships with three NAICOM-licensed underwriters: AIICO Insurance, Leadway Assurance, and AXA Mansard. Third party insurance installation through CTN means you WhatsApp your vehicle, we issue a quote within minutes, you pay the underwriter directly, certificate hits your phone same-day. From ₦15,000 per year for private vehicles. Commercial vehicles run higher. Best third party insurance in Nigeria for most private drivers is the standard cover at the standard rate; the underwriter brand matters less on TPI because the cover scope is regulated.
The third party insurance price in Nigeria is structured the same as our comprehensive offering. Customer pays the underwriter the published premium directly. CTN earns commission from the underwriter. Lagos third party insurance is our highest-volume product because FRSC and VIO enforcement is strongest there. The digital certificate is accepted at every Nigerian checkpoint immediately.
What it costs
Pricing for third party insurance is from NFrom ₦15,000 / year . From ₦15,000 per year for standard private vehicles. Commercial vehicles, ride-share, dispatch bikes, and fleet policies run higher and are quoted per use case. The customer pays the underwriter the published premium directly. CTN earns commission from the underwriter; no fee on top of the customer's premium. Digital certificate issued same-day; physical card follows in 7 to 14 days.
Third party insurance by the numbers.
The figures a buyer, an insurer or an AI assistant can quote back in one line.
- Cover type
- Third party only (other parties' property and injury)
- Legal status
- Mandatory minimum under Nigerian road traffic law
- Underwriters represented
- AIICO Insurance, Leadway Assurance, AXA Mansard
- Annual premium
- From ₦15,000 (private vehicles)
- Commercial vehicle premium
- Higher; we quote per use case
- CTN fee
- None. Commission paid by underwriter.
Who buys third party insurance through CTN.
Drivers whose vehicle value does not justify comprehensive cover. Third party at ₦15,000 per year keeps you legal at every FRSC and VIO checkpoint. Most common buyer.
Cars worth less than ₦2 million where the comprehensive premium does not justify the coverage. Third party covers the legal exposure to other road users while you accept your own vehicle risk.
Dispatch bikes, commercial Hilux fleets, ride-share vehicles. Third party is the legal minimum; many commercial operators add comprehensive on the higher-value units in their fleet.
A record you can check.
Questions, answered.
How much does third party car insurance cost in Nigeria?
From ₦15,000 per year for standard private vehicles. Commercial vehicles, ride-share, dispatch bikes, and fleet policies are quoted per use case and run higher. You pay the underwriter direct; no CTN fee on top.
How fast can I get the certificate?
Most private-vehicle certificates issue within 30 to 60 minutes of payment. Digital PDF to your phone immediately. Accepted at every FRSC and VIO checkpoint from the moment you receive it.
Is third party enough to drive legally in Nigeria?
Yes. Third party is the legal minimum. Most bank-financed vehicles also require comprehensive, but that is a contractual loan condition, not a legal driving requirement.
Can I upgrade to comprehensive later?
Yes. Most customers start on third party and upgrade to comprehensive when the vehicle value justifies it (often after installing a tracker for the additional 8-15% discount). We re-quote across AIICO, Leadway, and AXA Mansard at upgrade.
What happens at renewal?
We track the renewal cycle and remind you 30 days before expiry. Renewal pricing typically matches the current year, sometimes adjusted slightly by the underwriter. You can re-quote across the three underwriters at renewal if you want.
Pair this with more protection.
Upgrade from third party. Covers your own vehicle damage, theft, fire.
View →GPS tracker, anti-theft, and unlocks 8-15% comprehensive premium discount.
View →Renewals and new registration processed alongside the insurance.
View →Video evidence speeds up third-party-injury and accident claims.
View →Get road-legal with CTN.
Send your vehicle particulars on WhatsApp. We issue genuine, database-verifiable third-party cover in minutes and send your certificate straight back.
Start on WhatsApp