Comprehensive car insurance, sorted for you.
CTN arranges comprehensive motor insurance across Nigeria by quoting your vehicle with multiple licensed underwriters and showing you the comparison plainly, theft, accident, fire and third-party liability in one policy.
We shop the underwriters. You pick the cover that fits.
Comprehensive car insurance in Nigeria covers accident damage to your own vehicle, theft, fire, and third-party liability. Most Nigerian banks require it on financed vehicles. The hard part is figuring out which underwriter offers the right balance of premium cost, claim responsiveness, and coverage extras for your specific vehicle.
Three NAICOM-licensed underwriters, one conversation.
AIICO, Leadway, AXA Mansard. We quote all three in one request and present them side-by-side. Direct shopping means three calls, three forms, three follow-ups. We compress that into one WhatsApp message.
Tracker-equipped premium discount baked into the quote.
Most Nigerian car owners with trackers do not realise they qualify for the 8 to 15% premium discount. We apply it automatically at quote stage. The discount on a comprehensive policy often covers more than the cost of the tracker over the renewal cycle.
Claim file support that does not vanish after binding.
We are the agent of record, which means we stay on the file across the policy life. Renewals, mid-term changes, and claims all run through us. Most Nigerian agents disappear after binding. We do not.
Why Nigerian car owners pick CTN for comprehensive insurance.
Comprehensive (accident, theft, fire, third-party)
AIICO Insurance, Leadway Assurance, AXA Mansard
All three NAICOM-licensed
% of insured value, varies by underwriter
8 to 15% for tracker-equipped vehicles
From WhatsApp to bound policy in four steps.
WhatsApp your vehicle details
Vehicle make, year, current market value, your name and driver history. We confirm scope and request the three quotes from AIICO, Leadway, and AXA Mansard.
Three quotes side-by-side
Within 24 hours we send you all three quotes with the premium, the cover terms, and our recommendation. Most cars get a clear best-fit; some need a short call to weigh trade-offs.
Pick and pay the underwriter direct
You select. We complete the binding paperwork and you pay the published premium directly to the underwriter. No CTN fee on top. Policy bound the same day.
Ongoing policy management & claims
We track renewal cycles, handle mid-term changes (vehicle sale, address change), and stand with you when a claim happens. The underwriter pays the claim; we make sure the file moves.
How comprehensive insurance in Nigeria actually works.
The detail buyers and search engines look for, in plain language.
Comprehensive car insurance in Nigeria covers accident damage to your own vehicle, theft, fire, and third-party liability. Most Nigerian banks require it on financed vehicles. The hard part is figuring out which underwriter offers the right balance of premium cost, claim responsiveness, and coverage extras for your specific vehicle.
We are the comprehensive insurance broker Nigerian executives, family-vehicle owners, and corporate fleet operators use because we hold agent relationships with three NAICOM-licensed underwriters at once: AIICO Insurance, Leadway Assurance, and AXA Mansard. We quote across all three, present the comparison, and route you to the best fit. Customer pays the underwriter directly. CTN earns commission from the underwriter, no markup. Best comprehensive car insurance in Nigeria for tracker-equipped vehicles unlocks an 8 to 15% premium discount because the recovery probability changes the risk model.
The comprehensive insurance price in Nigeria varies by vehicle make, year, value, driver profile, and cover extras. Most sedans start around 3 to 5% of vehicle value. Lagos comprehensive insurance quotes run higher than Abuja and PH because accident frequency is higher. WhatsApp us your vehicle and we return three quotes within 24 hours. We then manage the policy lifecycle: renewal reminders, mid-term changes, and claim support.
What it costs
Pricing for comprehensive insurance is from NPer vehicle quote . Quoted per vehicle. We return three quotes within 24 hours from AIICO Insurance, Leadway Assurance, and AXA Mansard. Premium depends on vehicle make, year, current market value, age, driver profile, and the cover extras you select. Tracker-equipped vehicles unlock an additional 8 to 15% premium discount on most policies. You pay the underwriter the published premium. CTN earns commission from the underwriter, no fee on top of the customer's premium.
Comprehensive insurance specs at a glance.
Comprehensive (accident, theft, fire, third-party)
AIICO Insurance, Leadway Assurance, AXA Mansard
All three NAICOM-licensed
% of insured value, varies by underwriter
8 to 15% for tracker-equipped vehicles
None. Commission paid by underwriter.
Who buys comprehensive insurance through CTN.
Most Nigerian banks require comprehensive on financed vehicles for the full loan term. We shop the three underwriters and route to the option the bank typically accepts fastest. Quote-to-bind usually completes within 48 hours.
Daily drivers and family cars worth ₦5M and above. Comprehensive covers the cost of replacement if the vehicle is stolen, destroyed in an accident, or burnt. Tracker-equipped vehicles unlock the additional 8-15% premium discount.
Multi-vehicle corporate policies through one of the three underwriters. Single annual renewal cycle, bulk vehicle schedule, and one claims contact. We coordinate the schedule and renewal across the entire fleet.
A record you can check.
Questions, answered.
How much does comprehensive car insurance cost in Nigeria?
Premium varies by vehicle make, year, value, driver profile, and cover extras. Most sedans start around 3 to 5% of insured value. We return three quotes within 24 hours from AIICO, Leadway, and AXA Mansard.
Why does CTN not charge me a fee?
We are the agent of record. The underwriter pays our commission as part of the published premium. You pay the same premium direct, plus three quotes and ongoing support included.
Will my tracker really reduce the premium?
Yes. AIICO, Leadway, and AXA Mansard all offer 8 to 15% premium discount on tracker-equipped vehicles. The exact discount depends on the tracker brand and the underwriter's current scheme. We confirm at quote stage.
What happens when I need to claim?
We are with you on the file. You report the incident to us; we open the claim with the underwriter, gather the documentation, and push the response. Most claims through us close faster than direct claims because the agent of record has standing communication channels.
Can I switch underwriters at renewal?
Yes. Renewal is the moment to re-shop the three underwriters. We re-quote each year so you stay on the best fit. Some vehicles age into a different underwriter; others stay.
Pair this with more protection.
Legal-minimum cover for FRSC and VIO compliance. Same three underwriters.
View →Install a tracker to unlock the 8-15% comprehensive premium discount.
View →Anti-shatter film. Reduces smash-and-grab claims, which improves your renewal rate.
View →Video evidence for accident claims. Speeds up claim resolution.
View →Insure it properly with CTN.
Send us your vehicle details and value. We pull comparable quotes from multiple underwriters and walk you through the best comprehensive cover for your budget.
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