₦airaland Forum

Hi, I will do 27k. 21cbbf22

Pls send d pics of this ride to me. My BB PIN is 21cbbf22 and let me know ur last price. I am a dealer

I am ready to do 850k for ur Rav

I am ready to do N580k

I can do N1.5m

I have called ur line abt thrice but u did not pick it. I have sent you a text. For cars,it it is 5% but for Trucks like urs, it is 6%. Thank you sir

Insurance really works in Nigeria. I have spent more than 15 years in dis industry and I cannot count d number of claims cheques I have signed. Yes I agree with u dat it is not all claims that r settled. They might not have been settled or fully settled because of d following:

1. If d amount claimed is less than d Excess
2. If d claim is not genuine e.g d plate number on our record is diff from what is in d licesing o. Office or if on our records, it is Sienna u insure but at d time of making claim, it is a nissan claim dat u brought.
3. Improper documentation or inadequate evidential documents on d part of d claimant
4. Under insurance
5. If d asset insured is used for d purpose outside d one indicated in d policy
6. If a vehicle is been driven by a minor at d point of claim.
7. Insincerity - Misrepresentation; Fraudulent or Innocent
8. Non payment of Premium

So, outside d above, I don,t see why ur claim should not be settled.

For d man dat got abt 75% of his claim, I guess he did not buy Excess and unfortunately, d universal total loss Excess rate is 10% of claim.

Kindly contact Ayodeji on 08023198878 for all ur insurance needs and clarifications.

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Call now

Have u thot over wat could happen to ur children after ur exit from this world? Do u know dat ur children could become a second class citizens if proper arrangement is not made for them. Moreso dat though we will all die but nobody knows when,
those dat died in d Dana plane crash were full of lives and dreams of achievements but all were cut short within an hour trip, as such we shld always prepare for eventualities.

In d light of d above, I will like to introduce some of our life Products to nairalanders:

Term Assurance Policy: Total Sum Assured becomes payable on d death of d life assured during d period of insurance

Children Educational Project Plan: This policy guarantees d future education of ur childrenin any academic institution of ur choice either u r alive or not

Personal Pension And Investment Plan: Total amt contributed plus 7.5% becomes payable at an agreed date or at death whichever comes first.

Individual Savings & Protection Plan: sum Insured becomes payable at maturity ot at death of d life assured

For clearification, advise, presentation and incepting/buying any of our products kindly call Ayodeji on 08023198878

Call Dammy on 08023272331 She works with licensing office. She did mine perfectly.

Hi friend, thus am not an agent but i can link u with someone that is reliable cos she is a staff of lagos state and nt an agent but it depend on ur area cos her office is located in surulere to b prescise aguda licencing office or call her on 08023272331. she is very reliable

Pls send me ur last prices on ur various Bold, Curve and Torch phones on ayobene@yahoo.com

I av one thus is manual but still in good shape but needs body work cos my wife used it to learn. Mine is 2005. Call her to negotiate with her on 08023272331 or call me for more explaination 08023198878. We need to sell it in order to get sienna for her. Nt despirate thus.

Fellow Nairalanders, Ayo is my name. I work with a top dynamic Insurance Co in Lagos. Things are really happening in Nigeria of today. The best you can do to play safe and ensure that your family does not suffer is by embracing Insurance. For insurance of you vehicles, other assets, liabilities and life, contact me on 08023198878

Contact an expert for the insurance of your properties. Fellow Nairalanders, things are happening. The best you can do to play save is by embracing Insurance of your properties and life.

Contact Ayo on 08023198878 for all you Insurance needs. I work in a dynamic company.

INSURANCE IS BOUGHT WHEN YOU DO NOT NEED IT. WHEN YOU NEED IT, NOBODY WILL SELL TO YOU. KINDLY GET IN TOUCH ON 08023198878 FOR ALL YOUR INSURANCE TRANSACTIONS.

I WORK WITH MUTUAL BENEFITS ASSURANCE PLC.

Prepare for the unexpected. For all classes of Insurance, talk to Deji on 08023198878. You will be glad u did.

Waiting for your calls

THE IMPORTANCE OF INSURANCE CANNOT BE OVER-EMPHASIZED. I AM OFFERING MYSELF AS TOOL TO YOUR INSURANCE NEEDS. INSURE THAT YOUR CAR because IF IT IS STOLEN, TO RAISE CASH TO BUY ANOTHER ONE MAY BE STRESSFUL IF NOT DIFFICULT. WHY NOT TRANSFER THAT BURDEN TO MUTUAL BENEFITS ASSURANCFE THROUGH ME.

ALSO, DEATH IS CERTAIN BUT WE DO NOT KNOW WHEN IT WILL COME. AS A RESULT OF THIS, WHY NOT TAKE A LIFE ASSURANCE POLICY TO ENSURE THAT YOUR CHILDREN DO NOT SUFFER AFTER YOUR EXIT FROM THIS WORLD. PLEASE, THINK ABOUT THIS AND GET IN TOUCH WITH ME {DEJI} ON 08023198878 OR 08173198878 FOR CLARIFICATION, PRESENTATION AND IMPLEMENTATION.

For your Insurance needs; vehicle, property and Life Insurances, feel free to talk to a professional on 08023198878. Feel free to call me for presentation to a group of people.

For private car, it is N30k including V/L, T. Party Insurance and new plate and proof of ownership.

I am ready to do N1.1m

@purefella, a third party insurance will compensate any other person for injury, death or loss of/damage to his/her property. It is important to mention here, that amount payable by Insurance coy for third party property damage is limited to N1m. For instance, if u hit someone's car and the damage is N1.5m, insurance will only pay N1m and the bal of N500k will be borne by u.

But for injury sustained and death of a Third Party, there is no limit since human life is not quantifiable in terms of money.

Comprehensive insurance will take care of both ur vehicle and that of d third party.

For more info or clarifications, contact me on 08023198878 or 08173198878

@Dis guy, sorry for my late response to ur question. A few companies used to provide temporary replacement vehicles for a period btw when a loss occur and when d claim is settled at an additional premium charged at the inception of d policy. But for two reasons, this arrangements was stopped.

1.  The company (in Lagos) that used to provide the service folded up. This coy had a fleet of vehicles by which insurance coys and others subscribed at a fee per vehicle.

2. Insurance coys became aware that clients tend to delay claim settlements by not providing claims supporting documents promptly because they were not feeling the impact of the loss. Even some clients would not respond when d replacement vehicles are better than theirs.

Let me say something here, apart from theft cases, most claims settlement cases are delayed by the clients by not providing necessary docs on time or by disagreeing with claim settlent offers.

House, i hope u r clear on this? Thanks.

Pls can you send the pics to my box? ayobene@yahoo.com, what is the mileage of this ride?

U r welcome

@ Sienna, thanks.
House, i have spent more than 12 yrs in dis insustry. Most claimants have issues with Insurance coys at d point of claim. The issue is dat clients are not well educated b4 picking up an Ins. Policy.

Now, back to my point. I quite agree that it is 5% but for a standard Motor policy, there is an Excess, which is an amt or a %age of the would be amt claimed (whichever is greater) imposed by an Ins. Coy. For instance, an excess could be #20k or 5% of claim (whichever is greater). What it means is that, for a car of #1m, at the point of claim, if the loss/damage is #400k, d coy will find 5% of #400k. The greater btw the result and the above        #20k will now be deducted from d #400k and the bal. Is given to u. That means instead of #400k, u will get #380k subject to depreciation.

The impact is felt more in d event of a total loss/theft because basically, d coy will apply percentage which will definitely be higher than the excess amt. In the above example, if the vehicle is stolen, the excess deductible is 5% of #1m. Some clients end up bearing up to #200 - #300k because it is value that determines the excess. In otherwords, the higher d value of a vehicle, d higher d excess.

But there is a way u can negotiate at d inception of the policy that u don't want d coy to deduct any excess from your claim in the event of a future loss, so d coy will then charge u 1% of the value of d car and add it to the premium of 5% to make it 6%.

U must equally note that for vehicle theft, Insurance coys settle after three months because of investigation and to see if d car will be recovered.

This is my submission. For enquiry and patronage, call me on 08023198878  or 08173198878.

Thank u.

Trust an Ibo man. U cannot separate them from money. Why didn't he try it in Saudi Arabia?

Hello house, i am not here to damage d reputation of any co. But we know ourselves. It is not the certificates that matter rather, it is claims settlement. If u insist on 5%, no problem, go ahead but note that in the event of any loss, u r not getting ur claim amount in full.

5% with Excess Buy Back? I am not sure any reputable ins co will accept such offer. Bros, make sure u buy excess, this is my line and i know wat i am talking about. If u insure ur car, do u need a tracker? NO!