Nigerian motorists at the moment are legally permitted to current their motor insurance coverage certificates in digital kind throughout routine checks or accidents, in line with the Nigeria Insurance coverage Reform Act lately signed by President Bola Tinubu.
It is a main shift from the beforehand required hardcopy documentation, and it displays the Federal Authorities’s effort to modernize insurance coverage compliance and enforcement by way of digital innovation.
In accordance with Part 96(1)(b) of the newly signed Act, drivers are allowed to provide their insurance coverage certificates or cowl be aware “in print or digital kind” when requested by a regulation enforcement officer.
This implies motorists can now use their cellphones or different digital units to current legitimate insurance coverage paperwork throughout routine checks on public roads.
Failure to adjust to this provision attracts a positive of as much as N25,000 upon conviction, the Act states.
This provision is predicted to speed up digital adoption within the insurance coverage business, permitting each insurers and policyholders to cut back reliance on paper-based documentation.
The regulation additionally outlines procedures within the occasion of a highway accident involving bodily hurt. Subsection 3 of Part 96 of the Act states that if the motive force is unable to current the insurance coverage certificates on the scene, they’re required to report the incident and supply the doc on the nearest police station inside 24 hours.
“An individual who contravenes the supply of subsection (3) of this part commits an offence and is liable on conviction to a positive not exceeding N50,000.00.
“The provisions of this part shall be along with, and never in derogation of, the related provisions of the Street Visitors Legal guidelines,” the Act states.
Nairametrics beforehand reported that President Bola Ahmed Tinubu assented to the Nigerian Insurance coverage Trade Reform Invoice, 2025, a transformative piece of laws aimed toward modernizing Nigeria’s insurance coverage sector and accelerating the nation’s journey towards a $1 trillion financial system.
The Act introduces sweeping reforms, together with stringent capital necessities, obligatory insurance coverage enforcement, and digitization mandates.
