₦airaland Forum

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Hi Good Day,

Straight Up!

THIRD-PARTY

Standard Premium - 5,000 for Car, 7,500 for Bus, 10,000 for Trucks.
Compulsory in Nigeria.

Features & Benefits
• Provides cover for Third Party property damage.
• Provides cover for Third Party bodily injury or death.

When you get into an accident that is deemed your fault, please do not allow yourself get into a disgraceful situation lol, simply issue a well toned apology, or offer to repair third party's vehicle, get the receipts documented and initiate a claim. Your insurance company would compensate you for the damages caused to a maximum of 1 million.
The expenses are generally health expenses, mechanical repairs expenses to third party’s vehicle, or repair to third party’s property as in the case where by you have hit someone’s else fence or something.

That's about it. It doesn't cover you at all, you take care of your self.

It is compulsory in Nigeria and created so as to protect other users of the road when you're driving.

Fun Fact: 99.9 Third party motor insurance certificates in Nigeria are "oga police, let me pass"

For your claim to be valid, you need to make sure you have a legit one done for you by your personal insurance agent (5,000, not 2.5 or 1.5, some companies will collect, but when claim time comes, its a herculean task).

You can crosscheck your insurance certificate on the Nigerian insurance data base by imputing your number plate Here


Now to the big boy;


COMPREHENSIVE

Standard premium - 5% of the declared value of the car.

Features & Benefits

• Provides cover for loss or damage to the insured vehicle by fire, theft, flood or accidental collision.
• Covers medical expenses for the insured.
• Provides cover for burglary and breaking in.
• Takes legal liability for damage to other vehicles and damage to property belonging to Third Party.
• Takes legal liability for death or bodily injury to third party
• Covers legal cost and expenses such as solicitors fees from any court prosecution after resulting from the accident.


This kind of insurance basically keeps your mind at full rest. You are indemnified in accidents deemed your fault or not, hit and run accidents and all other kind of accidents. For example, during the scenario of the 28th June 2018 Otedola bridge fire incident, owners of affected cars if comprehensively insured gets a brand new same car, or a cash equivalent of the insured value.

In the case of regular kind of accidents in day to day Lagos driving, your insurance company repairs your car or buys you new car if the cost of repair is not logical, they also repair the third parties properties, they pay for the medical expenses resulting from the accident and so on depending your insurance company.

I don't know about other insurance companies, but the one I do business with provides other little complementary benefits such as a complimentary free e-taxi service during the process of repairing your car, also they pay for towing costs from the accident site, also the cover is extended such that it covers immediate family members of the Insured, medically.

There are so many other benefits, you just have to be in touch with your insurance agent (that is the agent who underwrote your insurance for you) for more expatiation.

Finally,

Some tips on Buying Motor Insurance

• Patronize legit registered and regulated insurance companies.

• Make sure you have a personal Insurance agent most preferable the person who helped you in purchasing the insurance (usually a staff of the company) this is so that you can be properly advised and attended to when you need to process a claim.


CC: Marpol, lalasticlala, seun

mhd5757:
So this friend of mine lives in a deserted area where there are a lot of bushes and there are very few houses in the area, the area is also known for robbery attacks, so he decided to get dogs for security, I told this guy that is better to go for adult dogs....

Lol what area is this place?

Also na insurance go pay pass for your friend or make him commot that area, no be dogs.. Thief can throw poisoned food to your dog, it go eat and die and operation go continue hehe... I love dogs.

After seeing 'young woman' in her email, I just stopped reading.. cos it's already leaning towards this self pity feministic shite

Beautiful... I hope you had some sort of Health Plan when traveling here o.. like a Travel Insurance. Protect Yourself o

immaculatengang:

.

Gosh you're pretty!

Very nicely written

I love privacy, and I don't scam. So I removed my number from true caller when someone saved my number with a weird name (TV 17k, because I wanted to sell my old TV on olx for 17k) , a business client saw that crap when I called him, put me in an uncomfy position.

I didn't even have a true caller account... It was unfair. So I just unlisted at their site.

After a month or two I searched my number on their site, and nothing came up, then I searched for I guy I knew used true caller, and his name came up. So I guess I've really been unlisted. Thank Goodness.

Privacy is key.

People that love true caller, let true caller be displaying their number among their self, let them run it like a social media app.

Not that we DT don't have anything to do true caller, our lives should now be up there.

It's only in third world countries that we appreciate that crap. Many of Americans had sued them for breach of privacy hence their unlisting feature.

Taink you.

Unlisting Works! No matter how they re-add you again.

You and your sister are a little bit of an illiterate. Insulting somebody for correctly fining you for breaking a law.

I'm a little concerned to how she's directly comparing humans to animals

Awesomeness... Great achievement, wish you more luck and advancement

I hate when people are myopic. Especially respected celebrities, Whew! This Life!

I Feel If A Girl Needs To 'Think About It' When You Ask Her Out, Then She Is Not Really Into You... Or Your Ask Out Was Premature.
If You Feel She Is Into You, And It Wasnt Premature To Ask, but The Reply is Still 'She Will Think About It', Then thats A Kind Of Defensive Mechanism And If you Stylishly Pressure Her To.... Jeez, I hate typing!

Awake18:
I remember drinking water from this pot after a very hot sun while back from school. This is epical

Epical ke?

When i saw Libya, I concluded the list is a hoax

Crush since when i was a kid..

Abeg, Anytime wey dem wan start to dey beat Bobrisky for lekki, make una quote me, I owe am 14 Lashes.

Disrespect

i cant believe Nigerians can tell why the building collapsed by just look at the Before and After pictures. We are intelligent in this country o.

kimbraa:
What exactly do you guys want? Seems guys are the real definition of 'Fish brain'. If a lady says something negative as regards to what she would do if you cheat, she's toxic, but one who says something as not being bothered by your attitude seems toxic too since the definition of the word 'Toxic' I'm reading on this thread isn't what it should be. Confused set of people! SMH.

Jeezzzz.... Why so much anger in one paragraph?

Her reply wasn't cool with me because i expected her to say something more different, like divorce, sadness & depression, assault, etc.
I personally feel a sane person must react to a cheating partner.
For me, the outspoken reactions are the best especially when its direct and concise and not too violent or life threatening.
The people who claim not to do anything will actually do something far worse and mostly irreversible, like kill you in your sleep, poison you, rip off your dick .
Anyways, that's how i identified a potentially toxic partner for me, there are over 6 billion ways other people will.

Finally, channel your feminist anger to something more productive like girl child education, anti- trafficking not online hating out at men.

So there was this girl i liked with the possibility of having a relationship with. On one of our dates, i jokingly asked her what she would do if her husband doesnt always come home after work, and also cheat very much....
She replied, 'i will only be looking, i will not do anything, i cant come and kill myself.'
that rely to me was weird, so we didnt date again lol, i cant comman sleep in nigeria one night and wake up in heaven the next morning....

OfficialAPCNig:
Believe me, it is one of the most lucrative jobs in Nigeria. Fortunately, it is under-rated, so the competition is still low.

There is nothing like Advanced career in HOUR if you don't are not Chartered by law to practice, so I would advice you pursue a professional certification in Personnel Management. Chartered Institute of Personnel Management is reputable.

Good luck and welcome to the club.

Thank you very much for the reply.

Officialapcng, hello, I'd like you to shed more light into pursuing A career in Human Resource. Especially for a graduate of philosophy. Thank you.

desiregold:
I am just wondering though..,

will a gay man be jealous if his woman cheats on him?

He probably should be..lol... Probably betrayal of trust

LEGIT THREAD.

Comman pick your expensively fed pups here I'm Osogbo. Buy and train! Affordable price.

If you can beat Classic Words 'Extremely Hard' AI with you allowing computer to play rare words, please quote me

Olumyco:
OP exchange rate does not determine the value of a country's currency.

I think weakness of a currency should be in terms of value.

.....

Guys the best thing we need to do is to study economics... economics is something everybody in the world needs to manage finances since we spend and earn money. This will enhance our understanding of Forex and currency economics.

Thanks

Thank God Someone Was Able To Explain In Details, I'm Too Lazy To Type Lol... I Was Almost Starting To Think Over 50% of The Nigerian Population Are Dumb Lol.

To Further Discuss About The Nigerian Economy, I Will Like To Shed More Light On Nigeria's Top Exporting Commodity Which Is Crude Oil. In Past Administrations, A Barrel of Crude Oil Sold for Over 100 Dollars, But Now Sells For Around 50. Now If Your Salary Was 100k Last 5 Years, and Now You Earn 56k How Would Your Life Be? There Would Be A Significant Drop In You Can Afford. But If You Had Other Sources of Income, even Though Your Salary Is 56k and Your Other Sources That Brought In Let's Say 10k Per Month Last 5 Years Now Brings In 300k You..... I Expect That You Must Have Understood The Hypothesis.

Solving Nigerian Problem, We Need To Export More (If we export more, there will be jobs for youths, ask China, and people will be able to afford basic life things. Stop Corruption (Embezzlement Mainly of public funds), Provide Basic Amenities For Citizens i.e Everybody Gets Access to Good Healthcare, Security, Good Roads, electricity...

If All These Are In Place, What Else Do We Want

Click Bait!

That's not even a 'Jacuzzi'. Illiterate.

French President, Please Visit Tincan nauu