₦airaland Forum

Viruses:
How does named (additional driver) work in car insurance policy?

I am the experience driver and I want to add my wife to the policy as she will start driving. Which will give me cheaper premium? Taking the policy in my name and adding her as additional driver or taking the policy in her name and adding myself as additional driver?

The main driver should be the main user of the vehicle. If your wife is going to be the main driver, then you should be the additional driver and vice versa. Anything outside of this is insurance fronting which is a punishable offence.

Hmmmmm, leave no of pikins, just make money for big house, car, holiday, etc

Gerrard59:
Yes. The average Nigerian family shouldn't have more than a child or maximum two children.

Viruses:
How does named (additional driver) work in car insurance policy?

I am the experience driver and I want to add my wife to the policy as she will start driving. Which will give me cheaper premium? Taking the policy in my name and adding her as additional driver or taking the policy in her name and adding myself as additional driver?

Play with both scenarios, whilst searching for a quote.......

Viruses:
How does named (additional driver) work in car insurance policy?I am the experience driver and I want to add my wife to the policy as she will start driving. Which will give me cheaper premium? Taking the policy in my name and adding her as additional driver or taking the policy in her name and adding myself as additional driver?

Pls use whichever option gives you the better(cheaper) quote.

Thank you all for your responses

Jbloc:
Hmmmmm, leave no of pikins, just make money for big house, car, holiday, etc

The number of children a couple have affects those things you mentioned.

babajeje123:
2 ke?

How many children do you think a tertiary educated couple should have in today's world (regardless of location)?

Hi @zahra29, unfortunately the request for a reconsideration include the new accommodation evidence despite with MP intervention wasnt accepted. Thus, i will need to make a new application.

Thought i should ask a question. Will this new application be considered as my first application?. Please see below image

Zahra29:
Thanks for the detailed explanation.

The section in the guidance notes refers to instances where one partner is spending limited periods outside the UK. Exceptions can be made if the reason is for work, study etc however the expectation is that where both partners reside in the UK, even if one works in another city, they should have a permanent home together and the relevant documents to evidence this.

It's very positive that you are now on the electoral roll at your joint address plus other documents.

Options - request a reconsideration and include the new accommodation evidence (known as fresh claim) or make a fresh application (which will attract a new application fee).

Hence the suggestion to focus on making the money and not no. of children. Birth what one can afford to; more children, more expenses

Gerrard59:
The number of children a couple have affects those things you mentioned.


How many children do you think a tertiary educated couple should have in today's world (regardless of location)?

dannytoe:
Instead of reforming tax distribution, improving social care policies and stopping illegalls arriving on small boats and restricting graduate visas to graduates from STEM courses like it's done in the USA.
Far worse; Labour is now trying in a haste to compete with reforms hardline and far right immigration policies like proposing 10yrs ILR route for all currently on skilled worker visa , however, on a desperate measure painfully.

Now - despite the fact that we have a major shortage of care workers, Labour is now going to ban the recruitment of overseas careworkers who are willing and want to do this work. I'm not sure what Labour is aiming for here, It seems they are intent on losing the next election. I can't imagine too many pensioners voting for Labour and pensioners can well determine the outcome of a general election in the UK.

Based on current trend it seems like Farage might be the next PM, as a smart politician that he is, he is already painting Starmer as flopper referencing his initial stand on immigration in 2020 as reference, except some miracle happens like how Trump gave the Liberals a new lease of life in Canada. While I detest all that reforms stands for, I would like for them to get into power as I believe they would flop and flonder. If the current whitepaper is implemented I believe the legal migration numbers would go down and at that point they (reform) would have to look for ways to attract people in to do the work citizens wouldn't do, that oxymoron would make for a good laugh. Most skilled people are already looking at Japa 2.0/3.0 even if it just for the sake of giving them middle finger . Its really annoying when you already 3 years in on skilled work visa, with 2 years to ILR in view then you realize the goal post might soon be shifted. No be their fault sha na Naija leaders cause am. Anyways for those looking at options, You might want to look into EB2 - NIW which gives US green card without need for Job offer, The requirement is not stringent as EB-1A only that it has longer waiting times than EB 1. Of the 6 criteria for EB2, you need to show at least 3 of the criteria. Make God help all of us. God no go shame us for this Oga Charlie Land.

Gerrard59:
The number of children a couple have affects those things you mentioned.


How many children do you think a tertiary educated couple should have in today's world (regardless of location)?

That should be their decision.

babajeje123:
That should be their decision.

lol

Gerrard59:
Yes. The average Nigerian family shouldn't have more than a child or maximum two children.

In Nigeria that is not the norm. Again, you sound like someone so bitter about the blacks. I don't want to believe people who are citizens or are close to being a citizen do not like their fellow blacks. Cos I can easily tell you belong to one of the the two groups.

Santa2:
Based on current trend it seems like Farage might be the next PM, as a smart politician that he is, he is already painting Starmer as flopper referencing his initial stand on immigration in 2020 as reference, except some miracle happens like how Trump gave the Liberals a new lease of life in Canada. While I detest all that reforms stands for, I would like for them to get into power as I believe they would flop and flonder. If the current whitepaper is implemented I believe the legal migration numbers would go down and at that point they (reform) would have to look for ways to attract people in to do the work citizens wouldn't do, that oxymoron would make for a good laugh. Most skilled people are already looking at Japa 2.0/3.0 even if it just for the sake of giving them middle finger . Its really annoying when you already 3 years in on skilled work visa, with 2 years to ILR in view then you realize the goal post might soon be shifted. No be their fault sha na Naija leaders cause am. Anyways for those looking at options, You might want to look into EB2 - NIW which gives US green card without need for Job offer, The requirement is not stringent as EB-1A only that it has longer waiting times than EB 1. Of the 6 criteria for EB2, you need to show at least 3 of the criteria. Make God help all of us. God no go shame us for this Oga Charlie Land.

I just pity the health sector, expect lots of doctors, nurses and other professionals to move. Canadian and Australian recruitment agencies will be smiling to the banks soon, it’s their season 😜. I already know folks who are just one or two years to ilr getting ready to move. The demand for international transfers within multinationals will also increase, funny enough even Brits are moving too, recently in my organisation there was an opportunity for international transfers to Canada and Australia omo come and see applications even the organisation was overwhelmed. Good luck to Oga Charlie land with their arrogance o but I think the courts will halt some of those stupid things written in that white paper.

Thanks for this suggestion, I have contacted them and they sent a PDF copy of the advert.

Inkredible:
Email Autotrader support, explain your situation and request for it. I did same and got it same day. It might help letting them know you might use this in court against the dealer.

Goke7:


I just pity the health sector, expect lots of doctors, nurses and other professionals to move. Canadian and Australian recruitment agencies will be smiling to the banks soon, it’s their season 😜. I already know folks who are just one or two years to ilr getting ready to move. The demand for international transfers within multinationals will also increase, funny enough even Brits are moving too, recently in my organisation there was an opportunity for international transfers to Canada and Australia omo come and see applications even the organisation was overwhelmed. Good luck to Oga Charlie land with their arrogance o but I think the courts will halt some of those stupid things written in that white paper.

The changes, cannot be retrospective...... Those on the old system, would still qualify for the 5 year route......

Once the white paper becomes black paper, only new applicants going 4ward, would be caught in the 10 year trap..... But if Kemi wins, she might make it 20 years...... 😉🤔😂

Labour don join bad gang, changes in legislation by default, is not usually retrospective in implementation.... We are indeed living in a different world now......

Lexusgs430:
The changes, cannot be retrospective...... Those on the old system, would still qualify for the 5 year route......

Once the white paper becomes black paper, only new applicants going 4ward, would be caught in the 10 year trap..... But if Kemi wins, she might make it 20 years...... 😉🤔😂

That will be a shocker

bigtt76:
Hahaha ..you too gentle, me I for don fire dem email like two times now with the third one carrying the subject - Reminder!!!!!! 😁😁😁😁

How do your people expect me to navigate some of this requirements........ 🤣😁

Lexusgs430:
The changes, cannot be retrospective...... Those on the old system, would still qualify for the 5 year route......

Once the white paper becomes black paper, only new applicants going 4ward, would be caught in the 10 year trap..... But if Kemi wins, she might make it 20 years...... 😉🤔😂

And if Farage wins, which is far more likely? 😂

Lexusgs430:
How do your people expect me to navigate some of this requirements........ 🤣😁

I got the same reply from them with the same form, i started completing it then got to some point...i was like..this is too much info to put out there..pages and pages of personal info..nah!

Zahra29:
And if Farage wins, which is far more likely? 😂

He will start calming down...

Lexusgs430:
How do your people expect me to navigate some of this requirements........ 🤣😁

You think say na only Uk sabi cruise? Oya go and fulfill those requirements or stay and do business in your adopted country 😂

justwise:
[/b]

If you read Home Ofice message from X you will not be wrong to think that Kemi sent it

Lol, if Kemi had blamed migrants for the UK becoming "an island of strangers" and other comments like "squalid chapter” of rising inward migration.... I can only imagine the amount of abuse she would have received on here. But when Starmer says it, it's quiet - I guess because he's not an "anchor baby" or descendant of immigrants.

Starmer is however receiving a lot of ongoing criticism in the media over his comments. Some of his MPs and both Labour and non Labour supporters have publicly criticised him for using language similar to Enoch Powell, and divisive and inciteful rhetoric over immigration.

Goke7:


I just pity the health sector, expect lots of doctors, nurses and other professionals to move. Canadian and Australian recruitment agencies will be smiling to the banks soon, it’s their season 😜. I already know folks who are just one or two years to ilr getting ready to move. The demand for international transfers within multinationals will also increase, funny enough even Brits are moving too, recently in my organisation there was an opportunity for international transfers to Canada and Australia omo come and see applications even the organisation was overwhelmed. Good luck to Oga Charlie land with their arrogance o but I think the courts will halt some of those stupid things written in that white paper.

The government has already given assurances that doctors, nurses , engineers and other "high contributing" professionals will be exempt via a fast track settlement option.

Kromium:
Hi @zahra29, unfortunately the request for a reconsideration include the new accommodation evidence despite with MP intervention wasnt accepted. Thus, i will need to make a new application.

Thought i should ask a question. Will this new application be considered as my first application?. Please see below image

Sorry to hear that your reconsideration request was refused.

Yes, that is the correct/most appropriate option. You can also include an explanation later in the application and/or in the supporting letter.

If possible (I know it's very expensive), consider the super priority option for a next day decision.

The Central Bank of Nigeria has finally dismantled the longstanding obstacles that have kept millions of Nigerians in diaspora disconnected from their homeland's financial system. With the launch of the Non-Resident Bank Verification Number (NRBVN), yesterday in Abuja, the CBN has systematically eliminated barriers that once restrained Nigerians abroad from making seamless and cost-effective financial transactions to Nigeria. This transformative initiative is already eliciting much excitement from Nigerians living abroad as a dream come true. Now they can make transactions from anywhere in the world as if they’re right in Nigeria.

1. Mandatory physical presence for banking services

The Barrier: Previously, Nigerians abroad had to physically travel to Nigeria just to open accounts, update information, or complete basic banking tasks.

CBN's Solution: The NRBVN has eliminated this requirement entirely, allowing complete digital verification from anywhere in the world.

What This Means For You: No more expensive flights home just to handle banking matters. As CBN Governor Olayemi Cardoso highlighted at the NRBVN launch, this removes "considerable costs in terms of time and financial resources, especially for individuals residing in remote locations." Your financial connection to Nigeria is now independent of your physical location.

2. Limited access to Nigerian financial institutions

The Barrier : Distance created an insurmountable wall between diaspora Nigerians and Nigerian banks, restricting their ability to fully participate in the financial system.

CBN's Solution : A comprehensive digital platform that connects Nigerians abroad directly to the entire banking ecosystem.

What This Means For You : You can now open and manage accounts, conduct transactions, and access the full range of services from your phone or computer. The new platform creates what Governor Cardoso calls a "single digital gateway" that enables "seamless access to banking services" for all Nigerians, regardless of where they live.

3. Restricted investment opportunities

The Barrier : Complex procedures and verification requirements effectively blocked diaspora participation in Nigeria's growing investment markets.

CBN's Solution : The NRBVN paired with the complementary Non-Resident Investment Account (NRNIA) opens access to the full spectrum of investment options.

What This Means For You : Direct participation in Nigerian stocks, government bonds, real estate, and pension products is now possible without logistical headaches. The CBN has ensured you'll have "the flexibility to fully repatriate the proceeds of your investments" when needed, removing another major concern for diaspora investors.

4. Expensive and insecure remittance channels

The Barrier : High fees (averaging 7%) and security concerns made sending money home both costly and risky.

CBN's Solution : Formalized, regulated channels with lower transaction costs and enhanced security measures.

What This Means For You : More of your hard-earned money reaches its intended recipients safely and efficiently. This barrier removal is set to boost remittances, one of many initiatives to enable the CBN meet its $1billion monthly target from $4.73 billion for the whole of 2024.

5. One-size-fits-all banking products

The Barrier : Nigerian banks rarely offered financial products designed for the unique needs of customers living abroad.

CBN's Solution : A formal directive for banks to develop specialized offerings for diaspora customers.

What This Means For You : Access to financial products that actually understand your cross-border lifestyle, including specialized savings accounts, diaspora mortgages, curated investment bundles, and seamless cross-border services. The CBN has explicitly called on banks to "proactively develop and offer products specifically tailored to meet the unique needs and preferences of our diaspora community."

6. Inconsistent regulatory framework

The Barrier : Unclear and often changing regulations created uncertainty and risk for diaspora financial engagement.

BN's Solution : A clear, consistent framework built on successful models from countries like India and Pakistan.

What This Means For You : Confidence in a stable, tested system that has proven successful elsewhere. India's similar framework has attracted $160 billion in deposits, while Pakistan's Roshan Digital Account has pulled in nearly $10 billion. The CBN has adapted these successful models to Nigeria's specific context.

7. Disconnection from economic Nation-building

The Barrier : Distance often prevented diaspora Nigerians from contributing meaningfully to Nigeria's development.

CBN's Solution : Formal channels for investment in development projects and job creation initiatives.

What This Means For You : The ability to strengthen Nigeria's economy and support community development from afar. As Governor Cardoso emphasized, this initiative ensures "that every Nigerian, no matter their location, remains connected and empowered to contribute to Nigeria's vibrant future."

This landmark initiative represents what the CBN Governor calls "not the final destination, but the beginning of a broader journey." The CBN continues to refine the system based on diaspora feedback, progressively removing any remaining barriers to full financial inclusion, because your financial connection to Nigeria should be as strong as your cultural one.

https://leaders.ng/2025/05/14/the-cbn-just-removed-these-7-banking-barriers-for-nigerians-abroad/

willyede:
The Central Bank of Nigeria has finally dismantled the longstanding obstacles that have kept millions of Nigerians in diaspora disconnected from their homeland's financial system. With the launch of the Non-Resident Bank Verification Number (NRBVN), yesterday in Abuja, the CBN has systematically eliminated barriers that once restrained Nigerians abroad from making seamless and cost-effective financial transactions to Nigeria. This transformative initiative is already eliciting much excitement from Nigerians living abroad as a dream come true. Now they can make transactions from anywhere in the world as if they’re right in Nigeria.

1. Mandatory physical presence for banking services

The Barrier: Previously, Nigerians abroad had to physically travel to Nigeria just to open accounts, update information, or complete basic banking tasks.

CBN's Solution: The NRBVN has eliminated this requirement entirely, allowing complete digital verification from anywhere in the world.

What This Means For You: No more expensive flights home just to handle banking matters. As CBN Governor Olayemi Cardoso highlighted at the NRBVN launch, this removes "considerable costs in terms of time and financial resources, especially for individuals residing in remote locations." Your financial connection to Nigeria is now independent of your physical location.

2. Limited access to Nigerian financial institutions

The Barrier : Distance created an insurmountable wall between diaspora Nigerians and Nigerian banks, restricting their ability to fully participate in the financial system.

CBN's Solution : A comprehensive digital platform that connects Nigerians abroad directly to the entire banking ecosystem.

What This Means For You : You can now open and manage accounts, conduct transactions, and access the full range of services from your phone or computer. The new platform creates what Governor Cardoso calls a "single digital gateway" that enables "seamless access to banking services" for all Nigerians, regardless of where they live.

3. Restricted investment opportunities

The Barrier : Complex procedures and verification requirements effectively blocked diaspora participation in Nigeria's growing investment markets.

CBN's Solution : The NRBVN paired with the complementary Non-Resident Investment Account (NRNIA) opens access to the full spectrum of investment options.

What This Means For You : Direct participation in Nigerian stocks, government bonds, real estate, and pension products is now possible without logistical headaches. The CBN has ensured you'll have "the flexibility to fully repatriate the proceeds of your investments" when needed, removing another major concern for diaspora investors.

4. Expensive and insecure remittance channels

The Barrier : High fees (averaging 7%) and security concerns made sending money home both costly and risky.

CBN's Solution : Formalized, regulated channels with lower transaction costs and enhanced security measures.

What This Means For You : More of your hard-earned money reaches its intended recipients safely and efficiently. This barrier removal is set to boost remittances, one of many initiatives to enable the CBN meet its $1billion monthly target from $4.73 billion for the whole of 2024.

5. One-size-fits-all banking products

The Barrier : Nigerian banks rarely offered financial products designed for the unique needs of customers living abroad.

CBN's Solution : A formal directive for banks to develop specialized offerings for diaspora customers.

What This Means For You : Access to financial products that actually understand your cross-border lifestyle, including specialized savings accounts, diaspora mortgages, curated investment bundles, and seamless cross-border services. The CBN has explicitly called on banks to "proactively develop and offer products specifically tailored to meet the unique needs and preferences of our diaspora community."

6. Inconsistent regulatory framework

The Barrier : Unclear and often changing regulations created uncertainty and risk for diaspora financial engagement.

BN's Solution : A clear, consistent framework built on successful models from countries like India and Pakistan.

What This Means For You : Confidence in a stable, tested system that has proven successful elsewhere. India's similar framework has attracted $160 billion in deposits, while Pakistan's Roshan Digital Account has pulled in nearly $10 billion. The CBN has adapted these successful models to Nigeria's specific context.

7. Disconnection from economic Nation-building

The Barrier : Distance often prevented diaspora Nigerians from contributing meaningfully to Nigeria's development.

CBN's Solution : Formal channels for investment in development projects and job creation initiatives.

What This Means For You : The ability to strengthen Nigeria's economy and support community development from afar. As Governor Cardoso emphasized, this initiative ensures "that every Nigerian, no matter their location, remains connected and empowered to contribute to Nigeria's vibrant future."

This landmark initiative represents what the CBN Governor calls "not the final destination, but the beginning of a broader journey." The CBN continues to refine the system based on diaspora feedback, progressively removing any remaining barriers to full financial inclusion, because your financial connection to Nigeria should be as strong as your cultural one.

https://leaders.ng/2025/05/14/the-cbn-just-removed-these-7-banking-barriers-for-nigerians-abroad/

This is timely, really hope it works

dentalux:
In Nigeria that is not the norm. Again, you sound like someone so bitter about the blacks. I don't want to believe people who are citizens or are close to being a citizen do not like their fellow blacks. Cos I can easily tell you belong to one of the the two groups.

How does stating that the average Nigerian family shouldn't have more than two children become a racial issue?

---

You see, this is the problem when some people cross the Mediterranean/Atlantic/Pacific and start carrying first world problems on their heads.

Zahra29:
And if Farage wins, which is far more likely? 😂

Anyone with any other skin, must return to their grandparents country........ 😁😂

Goke7:
You think say na only Uk sabi cruise? Oya go and fulfill those requirements or stay and do business in your adopted country 😂

You are not nice.........😂😁

Screenshot from BBC.

This immigration change will affect those already on the 5year route! Only dependents of British citizens are exempt.

iyatrustee:
Screenshot from BBC.

This immigration change will affect those already on the 5year route! Only dependents of British citizens are exempt.

It seemed very obvious to me. From the gov POV, if you allow the 1.5m skilled workers in the system already to continue with 5yrs pathway, they would’ve missed the boat. The new applicants will be a trickle compared to all those that have come in since 2020 (Boriswave).

Best bet to stop this would be judicial review/court intervention.

Zahra29:
Lol, if Kemi had blamed migrants for the UK becoming "an island of strangers" and other comments like "squalid chapter” of rising inward migration.... I can only imagine the amount of abuse she would have received on here. But when Starmer says it, it's quiet - I guess because he's not an "anchor baby" or descendant of immigrants.

Starmer is however receiving a lot of ongoing criticism in the media over his comments. Some of his MPs and both Labour and non Labour supporters have publicly criticised him for using language similar to Enoch Powell, and divisive and inciteful rhetoric over immigration.

Starmer surely goofed and I remember saying it here when he bashed kemi as the saviour of the western world that that was a racist slur but starmer keep getting away with these things because he’s not seen as a far right politician. I was enraged with that stupid comment of an island of strangers but that’s how the society has evolved so we will have to live with it and pray we don’t begin to see physical harm in the streets as a result of these careless and reckless statements from politicians of all political leaning. But if this is what the present generation of uk politicians have to offer now then we all should be ready to accept and collect whatever we are presented with.