The Nigerian Police Force (NPF) will commence the enforcement of compulsory Motor Third Party Insurance for all motorists nationwide starting February 1, 2025. This announcement was made by the Inspector-General of Police (IGP), Kayode Adeolu Egbetokun, during a courtesy visit from the Commissioner for Insurance, Mr. Ayo Omosehin, in Abuja over the weekend.
During the meeting, IGP Egbetokun emphasized the importance of Motor Third Party Insurance in protecting third parties from damages or injuries caused by motor vehicle incidents. He affirmed the Police Force’s commitment to enforcing the relevant laws to ensure compliance across the country.
“The Nigerian Police Force remains steadfast in collaborating with all Ministries, Departments, Agencies (MDAs), and companies to prioritize the protection of lives and property of all citizens of the Federal Republic of Nigeria,” Egbetokun stated.
Legal Backing
The enforcement is grounded in provisions from both the Insurance Act 2003 and the Motor Vehicle Third Party Insurance Act 1945. Section 68(1) of the Insurance Act 2003 mandates that no individual may operate a motor vehicle on public roads without an active insurance policy covering damages or injuries to third parties. Violators face penalties including a fine of up to ₦250,000 or a one-year prison term, or both.
Additionally, Section 53 of the Motor Vehicle Third Party Insurance Act 1945 reiterates the requirement for compulsory insurance and imposes penalties of ₦400, imprisonment for one year, or both, with further disqualification from holding a driving license.
Call for Compliance
IGP Egbetokun urged Nigerians to adhere to the laws, highlighting that compliance is not only a legal requirement but also a crucial measure to safeguard lives and property. He further stressed that violations could lead to significant consequences, including fines and imprisonment.
This development underscores the NPF’s resolve to ensure accountability among motorists and foster a safer road environment nationwide.
