I've heard a lot about Auto insurance in Nigeria and it's supposedly one of the prerequisite of driving on any public road. Now I'm also well aware that the 3rd Party insurance (N,5000) most Nigerians pay for is just to pass police & custom checks on the road and nothing more.

Most Nigerians distrust insurance companies & sees it as a waste of money and won't bother with it either due to lack of information,misinformation, bad experience or just complete lack of confidence in Nigerian insurance companies. Road Accidents here usually involves whoever is at fault paying for the repairs of both cars and theft leaves you at the mercy of the police with no hope of getting recompense if your car is never found.

I'm really interested in getting first hand experiences from people who have successfully/unsuccessfully made claims and the insurance companies involved (3rd party & Comprehensive). How fast/easy was it?

Maybe this thread would change or reinforce people's opinions about Insurance.