Renewing your vehicle insurance in Lagos is essential for financial protection and peace of mind. With recent enforcement drives and evolving digital options, understanding the process and staying compliant matters more than ever.
Why vehicle insurance is important in Lagos
- Legal requirement: since February 2025 the Lagos State Police Command has strictly enforced the mandatory minimum of Third-Party Motor Vehicle Insurance. Every owner must hold at least a valid third-party policy or face fines.
- Financial protection: third-party insurance covers damage you cause to others; comprehensive offers broader cover including theft, fire and accidental damage.
- Peace of mind: a valid policy keeps you protected and clear of enforcement action.
Types of auto insurance in Lagos
- Third-party insurance: covers damage to other vehicles or property, not your own.
- Comprehensive insurance: extensive protection including your vehicle against accidents, theft and fire – more expensive, but greater security.
How to renew auto insurance in Lagos
- Prepare your vehicle registration, previous insurance certificate and proof of ownership.
- Contact GetItDone to find the best fit and quote for your vehicle.
- Make payment – third-party typically costs ₦5,000-₦20,000 per year; comprehensive plans start from around ₦50,000.
- Receive an e-copy, with a professionally packaged hard copy delivered to your doorstep.
Tips for a smooth renewal
- Start early – at least one month before expiry to avoid fines and gaps in cover.
- Leverage your no-claim bonus if you did not claim in the previous year.
- Maintain your vehicle so it passes roadworthiness inspection.
Frequently asked questions
How much does it cost? Third-party: ₦5,000-₦20,000 per year. Comprehensive: from ₦50,000 upwards, depending on cover and vehicle value.
Where can I renew? Easily through GetItDone, a licensed agent that handles insurance renewals simply and efficiently.
What if I don’t renew on time? You risk fines, penalties and being unprotected in an accident – police enforcement is now strict in Lagos.