₦airaland Forum

madridguy:
Shame on every Nigerians especially the men there filming the idiots beating a pregnant woman in such a manner.

Just last week they passed the law, I knew its a new avenue to the evil people to be harassing and extorting Nigerians as usual.

Their spokesperson would soon release statement and lie how the woman is holding RPG and the useless officers have to defend themselves.

What do you want those people standing there to do? Do you know if the police force will arrest them and place charges like obstruction of duty etc?

Where is the professionalism of the police personnel. There are many ways to polish offenders...

She is not a criminal...

these guys are really shameless.

Blue3k:
Yes it's the law. You have 3rd party insurance incase you hit someone else's car. The insurance pays the cost to repair it.

Not this type of insurance.

LexngtonSteele:
Online Rambo. You go still hide under the bed on Monday.

@ the article. The police men should be arrested and sentenced. Police brutality at its worst.

What is wrong with what he said about standing up for the oppressed? not everyone is a coward.

Lawless Animal Society for a reason.
See the country DaddyFreeze they encourage diasporans to return kom meet.
Peak of Lawlessness

If am the husband of that woman…….. hmmmmm. NPF should go and do thanksgiving.

This is highly condemnable. In Lagos for example the police need no stress the people over insurance policy because the eagle eyes cameras everywhere detects vehicles without insurance policies and get fined. Other states should tow similar path, at least it will prevent the this kind of harassment and in a way increase their IGR.

Besides, genuine 3rd party insurance is 15k with NIID verification. This is what I do!

For the benefit of those who have no idea of what 3rd party insurance covers. It is a compulsory insurance for motorists in Nigeria that pays compensation for damages done to other people's (3rd party) vehicles or properties to the tune of 3 million and an unlimited amount in case your vehicle kills another person.
And all you need to get covered is your vehicle's licence details, your valid ID and your 15k thereafter you have your policy in minutes.

In case of accident, all you need to do is to notify your insurance company and they will pay the damages you caused upon submission of required documents.

chukiz:
Which one is 3rd party insurance again, we already have third party insurance

This is highly condemnable. In Lagos for example the police need no stress the people over insurance policy because the eagle eyes cameras everywhere detects vehicles without insurance policies and get fined. Other states should tow similar path, at least it will prevent the this kind of harassment and in a way increase their IGR.

Besides, genuine 3rd party insurance is 15k with NIID verification. This is what I do!

For the benefit of those who have no idea of what 3rd party insurance covers. It is a compulsory insurance for motorists in Nigeria that pays compensation for damages done to other people's (3rd party) vehicles or properties to the tune of 3 million and an unlimited amount in case your vehicle kills another person.
And all you need to get covered is your vehicle's licence details, your valid ID and your 15k thereafter you have your policy in minutes.

In case of accident, all you need to do is to notify your insurance company and they will pay the damages you caused upon submission of required documents.

vikstandon:
What has Police to do with insurance?

And what does this third party insurance cover?

If I insure my car and something happens to it, will they pay claim?

Definitely, claims will be paid as long you notify your insurer and provide evidences required.

It is a compulsory insurance for motorists in Nigeria that pays compensation for damages done to other people's (3rd party) vehicles or properties to the tune of 3 million and an unlimited amount in case your vehicle kills another person.
And all you need to get covered is your vehicle's licence details, your valid ID and your 15k thereafter you have your policy in minutes.

In case of accident, all you need to do is to notify your insurance company and they will pay the damages you caused upon submission of required documents.

vikstandon:
Hmmm. But you and I know, this doesn't happen. You still repair the car, even when you have done insurance.

Yes, you're allowed to repair your car with an amount within an authorised repair limit and thereafter make claim from your insurer. This is only if you have comprehensive motor insurance because 3rd party insurance that costs 15k only covers the third parties i.e other people's car that you hit or damage to the tune of 3 million and an unlimited amount incase a life was lost through your reckless driving.

MrJames007:
Not this type of insurance.

He is very correct sir. 3rd party motor insurance takes care of the damages you cause other people. The insurance company pays up to 3million for cars or properties damaged and an unlimited amount to the 3rd party incase lives are lost through you. While you get nothing for your damaged car.
Only comprehensive insurance policy takes care of the 3rd party and your damaged car.

Calitoscassius:
What is wrong with what he said about standing up for the oppressed? not everyone is a coward.

Not everyone is. But you and him will dive under your bed every Monday. That's the definition of a coward. Even the guy knows ... he whimpered and ran off.

LexngtonSteele:
Not everyone is. But you and him will dive under your bed every Monday. That's the definition of a coward. Even the guy knows ... he whimpered and ran off.

Okay, thank you. There is no point engaging you in a reasonable conversation.

olisaEze:
A lot of people get the terms mixed up because of the manner they are portrayed. Someone threatening to hit u has committed assault. When that someone actually touches u, the offense is battery. So this is assault & battery on a pregnant woman, amongst an attempted murder charge, and generally behaving like beasts in uniform. I wonder at the kind of children being raised by such men as these.

You have a strong foundation on criminal law.

Hopez456:
He is very correct sir. 3rd party motor insurance takes care of the damages you cause other people. The insurance company pays up to 3million for cars or properties damaged and an unlimited amount to the 3rd party incase lives are lost through you. While you get nothing for your damaged car.
Only comprehensive insurance policy takes care of the 3rd party and your damaged car.

Really? I thought they don't work.

Thanks anyway.

MrJames007:
Really? I thought they don't work.

Thanks anyway.

Insurance works in Nigeria, one just need to be informed.

Talk now, na to shoot gun immediately.

Wishing the FRSC Officer Kareem quick recovery soon.

Why should police enforced third party insurance?
Insurance policy should be voluntary,
A driver without insurance is simply saying I can handle anything on my own,
After all how many vehicles have you seen insurance company repaired because of third party insurance policy,
Government just want to make some people rich to later sponsor their 2027 elections.
Let insurance companies become responsible and people will willing subscribe to their whatever motor insurance policy.
You buy third party insurance policy just to support insurance companies

madridguy:
Shame on every Nigerians especially the men there filming the idiots beating a pregnant woman in such a manner.

Just last week they passed the law, I knew its a new avenue to the evil people to be harassing and extorting Nigerians as usual.

Their spokesperson would soon release statement and lie how the woman is holding RPG and the useless officers have to defend themselves.

Do not blame them standing, they have Guns and wont hesitate ti shooot,Nah who dey alive dey argue.

Onuh2020:
Why should police enforced third party insurance?
Insurance policy should be voluntary,
A driver without insurance is simply saying I can handle anything on my own,
After all how many vehicles have you seen insurance company repaired because of third party insurance policy,
Government just want to make some people rich to later sponsor their 2027 elections.
Let insurance companies become responsible and people will willing subscribe to their whatever motor insurance policy.
You buy third party insurance policy just to support insurance companies

Police are the ones responsible for enforcement of Insurance, But this is not really an Insurance lol jam car 1st U will know,It is cheap as well I think 15K,But police do not have the infrastructure to enforce it as people will just print fakes.

MrJames007:
Really? I thought they don't work.

Thanks anyway.

The ones in Nigerian do not work, jam person nah U go know. You cannot genuinely insure your car in Nigeria cos the factors that determine the risk are off limits in the Nigerian context, starting from bad roads and bad drivers plus law enforcement.

Hopez456:
Yes, you're allowed to repair your car with an amount within an authorised repair limit and thereafter make claim from your insurer. This is only if you have comprehensive motor insurance because 3rd party insurance that costs 15k only covers the third parties i.e other people's car that you hit or damage to the tune of 3 million and an unlimited amount incase a life was lost through your reckless driving.

you are quoting a fixed sum cos there is truly no motor insurance in Nigeria. How can every one have same risk factor would you compare a 25 year ol Male and a 33 year old female as having same risk factor ? are the meant to pay same premium? So the Insurance premium for a 40 yr old man driving a 2025 range rover should be the same as a 30 year old man driving a 2009 range rover right?
I hope you can see that this insurance thing is just government making monies from its citizens not actually insuring the lives and goods of its citizens,

erico2k2:
you are quoting a fixed sum cos there is truly no motor insurance in Nigeria. How can every one have same risk factor would you compare a 25 year ol Male and a 33 year old female as having same risk factor ? are the meant to pay same premium? So the Insurance premium for a 40 yr old man driving a 2025 range rover should be the same as a 30 year old man driving a 2009 range rover right?
I hope you can see that this insurance thing is just government making monies from its citizens not actually insuring the lives and goods of its citizens,

I understand your point. However, insurance relies on principles and actuarial, statistical analysis. Also, everyone doesn't have claim at the same time.

For Comprehensive insurance, the premium charged is dependent on the value of the vehicle.
I hope these clarified.

Hopez456:
I understand your point. However, insurance relies on principles and actuarial, statistical analysis. Also, everyone doesn't have claim at the same time.

For Comprehensive insurance, the premium charged is dependent on the value of the vehicle.
I hope these clarified.

The problem of some of you guys NIGERIANS is you assume too much, its obvious you have no clue how insurance work when it comes to motoring, sorry if I co me across harsh .If you don't know ask so that you save yourself from International embarrassment like you just did. The value of your car does not determine the totality of your premium. These are calculated with these factors.
NCD aka no claims bonus
Driver age
Age of Driving Licence
Where you leave the car at night
where you leave the car during the day
What you use the car for
you have owned the car
Kind and brand of car
Security you have in ur car ie tracker etc
How many other cars you own or drive or have access to.
Type of Insurance
Credit.
Where you live
These are the basics of what forms your premium.

In the Nigerian context, the most expensive to to insure should be the Toyota corolla. and I guess you know why and also the most expensive area to insure your car by my recollection is anywhere within a mile of LADIPO. I bet you know why too.

erico2k2:
The problem of some of you guys NIGERIANS is you assume too much, its obvious you have no clue how insurance work when it comes to motoring, sorry if I co me across harsh .If you don't know ask so that you save yourself from International embarrassment like you just did. The value of your car does not determine the totality of your premium. These are calculated with these factors.
NCD aka no claims bonus
Driver age
Age of Driving Licence
Where you leave the car at night
where you leave the car during the day
What you use the car for
you have owned the car
Kind and brand of car
Security you have in ur car ie tracker etc
How many other cars you own or drive or have access to.
Type of Insurance
Credit.
Where you live
These are the basics of what forms your premium.

In the Nigerian context, the most expensive to to insure should be the Toyota corolla. and I guess you know why and also the most expensive area to insure your car by my recollection is anywhere within a mile of LADIPO. I bet you know why too.

Ok sir, thank you. I actually know all of these you wrote. Of course, the risk factors (hazards) contributes to the determination of premium. I only responded to you earlier on the basics.