Please note that this solution was created in partnership with some insurance companies and as such complaints would need to be re-routed to them.

See below the support lines for available partners , this would be updated as new partners are on boarded.

Zenith Insurance: *5966#

Tel: 01-2781177, 01-4534995

A. FREQUENTLY ASKED QUESTION ON MOTOR INSURANCE

1. What happens if I choose not to have motor insurance on my vehicle? The law requires every owner of motor vehicle to insure the vehicle against liability in the event of death, bodily injury or damage to property of a third party arising from the use of such vehicle.

2. What are compulsory insurance policies? These are those classes of insurance made compulsory by law, frequently with the objective of providing protection to third parties and the general public. Some of the prominent ones are: Motor Insurance, Building under construction, Public buildings, Employer’s liability, Medical and Professional liability, Group life, etc.

3. Is anyone who drives my car covered? In most cases, yes, as long as they have the permission or reasonable belief from the insured that they can use the vehicle. The insured is the person named on the insurance policy and their spouse if applicable. There are some exclusions, so you would need to look at your particular insurance policy to make sure

4. How would my premium be calculated? Determining your premium under comprehensive insurance depends on many factors, including where you live, the kind of car your drive, how much you drive, how much coverage you want, your driving record, and your age. While premium payable under Third Party cover for Private vehicle is N5, 000 flat

5. Does a third party cover covers me in the event of an accident? Third party liability insurance is a basic compulsory insurance coverage for motor vehicles mandated as per statutory laws in Nigeria. Third Party Liability Motor policy provides cover against death or bodily injury to any third party as well as property damage caused by the insured vehicle. The policy does not cover damage to the insured’s vehicle.

6. Who is a Third Party? Any individual or person who does not have a direct connection with an insurance contract but who might be affected by it.

7. Who is eligible to buy? The person should be the legal owner of the private or commercial motor vehicle registered in Nigeria. The driver/owner should possess a valid Nigeria driving license

8. What is excess under motor insurance? Excess is the proportion of every claim borne by the insured. The proportion could either be in percentage of the claim or fixed minimum amounts stated on the policy/certificate whichever is greater. Excess usually shows up under comprehensive vehicle cover

9. Am I insured to drive someone else's car? Many motor insurance providers will allow their comprehensive policy holders to drive any other vehicle, as long as it is already insured by another driver. This means that you can drive your friend's car BUT it is likely that you will only be insured to third party level.

10. What is the different between third party and comprehensive motor insurance? Third Party – It covers your financial responsibility arising from the use of your motor vehicle in case of death liability or bodily injury, damage to third party. While comprehensive covers both the insured and the third party against accidental damage, it covers the insured against fire, theft, bodily injury and death liability

B. FREQUENTLY ASKED QUESTION ON PERSONAL ACCIDENT

1. What is Personal Accident Insurance? Personal Accident Insurance protects your finances by providing a lump sum compensation for injury resulting in death or disablement from external, physical and violent means, occurring anywhere in the world. The compensation shields you and your loved ones from a financial crunch. This insurance also covers accidental hospitalization cost.

2. Who should buy the Personal Accident cover? Everyone legally termed as an Adult.

3. I am a homemaker who spends majority time at home. Do I also need a personal accident insurance? Accidents can happen to anyone. Motor accidents, rail accidents, natural calamities, the list is endless. These can sound scary. But, getting intimidated is not the solution, being financially prepared is. Opting for a Personal Accident Insurance helps you to meet expenses in case a crisis arises.

4. I travel to different countries often for business and at times for leisure. What if I meet with an accident outside Nigeria? You can be rest assured, accident policies offer worldwide coverage. Your claim will be paid even if you meet with an accident overseas.

5. I already have a health and life insurance cover. Why should I buy Personal Accident Insurance? Life insurance offers a death benefit to your beneficiary if you pass away. Medical insurance provides a compensation and/or reimbursement of hospitalization and other medical expenses. A Personal Accident Insurance policy, on the other hand, insures against the financial risk that could arise due to accidental permanent total disability or accidental death of an earning family member.

6. What happens if I am hospitalized after an accident takes place? Would it cover hospitalization expenses? Yes, but to the limit of your medical expenses limit, and the maximum limit per annum (and not per occurrence) is N20, 000

7. I have a family to support. Does Personal Accident Insurance cover death? Yes. All you need to do is mention the name of your nominee in the policy document. The sum insured will be paid to your nominee by the insurance company.

8. Is there any limit on the medical expenses? Yes there is a limit of N20, 000 per annum 9. Do I need to declare any pre-existing Medical Condition before accessing this plan? The policy covers accidental losses and as a result pre-existing medical conditions are irrelevant and do not need any declaration.

C. FREQUENTLY ASKED QUESTIONS (FAQs) ON CLAIM

1. How do I make a claim under my Personal Accident or Third Party Policy? If you’re involved in an auto accident, please contact our claims touch-points via any of the following means a. Dial code *…# and follow the steps b. Visit our Website- www.zenithinsurance.com.ng and make use of the electronic claim form. c. Visit any Zenith Insurance Office to lodge your claim d. Call Zenith Insurance on 01-2783391, 01-2784185, 01-4545478, 01-4545482 for assistance. Please have all information available, such as other parties involved and their address/phone numbers in case of a motor claim.

2. How long does it take until I get my insurance check? For vehicle repairs, payment is usually issued within 24 hours, once you have executed our Discharge voucher. For total loss situations and more complex accidents, like those where injuries are involved, the amount of time until you receive your check varies

3. What is a total loss? If the cost to repair your vehicle approaches or exceeds the value of your vehicle, it may be deemed nonrepairable, or a total loss. Your claims adjuster will complete a thorough inspection of your vehicle to determine its fair market value, taking into consideration the mileage, options, overall condition, any prior damage and current comparable used car market prices. Upon receipt of your title paperwork, payment (minus your deductible) will be made to you and your lien holder (if applicable), based on this amount.

4. Do I need to contact the police if I have an accident involving my car? Yes, if you’ve been involved in an accident and there are injuries to another person you should report the accident to the police.

5. Do I need to contact you if I have an accident involving my car? Yes, if your car has been involved in an accident you must let us know about it as soon as possible. You can contact our claims team on 01-2783391, who are on hand to help you or any of our offices close to you.

6. What happens if the accident was my fault? If you have comprehensive cover we will arrange for your vehicle to be repaired by one of our approved repairers or by your chosen repairer, or inspected if it is likely to be a total loss. We will handle the other driver's claim as quickly as we can. If you receive any correspondence from the other driver or their insurers please send it to us and we'll reply on your behalf.

D. FREQUENTLY ASKED QUESTION ON SERVICES

1. I have been in a motor vehicle accident. Should I go to a doctor? If you have been injured in a motor vehicle accident, you should see a doctor right away. Firstly, you should see a doctor for your own well-being. Secondly, you should see a doctor because if you decide to bring a legal claim against the at-fault driver or another party, you will need documentation of your injuries and what you did to fix them

2. Are my details secure over the Internet? Yes, we use world standard security technology to keep your personal information and credit/debit details as secure as possible.

3. I have been debited from my bank but I am yet to get any confirmations or receipts from Zenith Insurance? Please contact your bank on any dispense error issues. You can also call us on 01-27834xxx for further enquiries.

4. How Can I cancel my policy and get my funds back? Please send an email to customercare@zenithinsurance.com.ng stating your name, policy number and why you would like your policy cancelled.

5. I have made an overpayment for the policy I paid for, how can I get a refund? Please send an email to customercare@zenithinsurance.com.ng stating your name, policy number and evidence of the transfer and how much has been overpaid.

6. How is ZGIC different? When it comes to financial decisions, it’s comforting to know that you are in good hands. That’s why ZGIC is committed to forging partnerships with the most respected names in re-insurance and the Telco industry. By combining the credibility and expertise of trusted re-insurance providers with our unique technology, we’re able to offer you wider coverage at a rate that can’t be beaten. We also understand that keeping track of insurance policies and making changes is easier said than done. That’s why we automatically store them in one place, so you can access them instantly, from the palm of your hands, should something unexpected happen. With ZGIC, buying insurance is an investment you can feel good about, without the hassle.

7. What happens if I get debited but the transactions times out before conclusion? Please contact your bank on any dispense error issues. You can also call us on 01-2783xxx for further enquiries.

8. When does my policy commence if I pay for my insurance online? Your policy commences immediately your payment is confirmed by Zenith Insurance

9. How do I receive my policy documents? Your policy documents will be emailed to you. Where you do not have an email address, you may approach your nearest Zenith Bank Branch to obtain them in hard copy.

10. Do I need a lawyer to explain the policy terms to me or is it something I can understand on my own? The policy terms are clear and easy to understand. You may however choose to have them reviewed by a professional should you desire.

11. If I change my mind about the purchase, how do I get a refund? Kindly call our Customer service line 01-270xxxx and our representative will assist