Heirs Insurance — review & details

In Car insurance · By the Rateweb editorial team · How we rate · Details checked 1 Aug 2026

Digital-first general insurer in the Heirs Holdings group, on the NAICOM general-insurance register (RIC 093). Sells third-party motor from N15,000/year and Flexi Comprehensive from N25,000/year online, via app and USSD, with a stated promise to pay validated claims within 48 hours.

48-hour claims promise

Heirs Insurance

★★★★☆

4.2/5 · How we rate

Third-party motor; Flexi Comprehensive motor

Cover Types

NAICOM-licensed general insurer (RIC No. 093, verified on the NAICOM register)

Licence

Company promise: all validated claims paid within 48 hours or less

Claims

First-time buyers who want to buy genuine third-party or entry-level comprehensive cover fully online

Best For

insurer

Type

Pros

Verified on NAICOM's general-insurance register (RIC 093)
Fully digital purchase — website, mobile app and USSD (*1100#) — with published entry prices
Publicly commits to a 48-hour turnaround on validated claims

Cons

Younger underwriter than the legacy insurers, so a shorter multi-decade claims track record
Entry-level 'Flexi' comprehensive tiers carry lower benefit limits — read the cover limits, not just the price
The 48-hour promise applies after validation; disputed or poorly documented claims can still take longer

Fees, eligibility & documents

Fees

PremiumThird-party from N15,000/year; comprehensive priced against vehicle value (Flexi tiers from N25,000/year) — quote online

Eligibility

Vehicle owner with a valid Nigerian driving licence
Third-party motor insurance is legally compulsory in Nigeria
Vehicle registration details required; comprehensive cover requires a declared vehicle value

Documents needed

Valid driver's licence
Vehicle registration papers
Valid means of identification; vehicle photos/valuation for comprehensive cover

Visit Heirs Insurance

How Heirs Insurance compares in car insurance

Heirs Insurance scores 4.2/5 in our car insurance rankings. Our current top pick is Leadway Assurance (4.5/5). Always compare a few before you decide — see the full car insurance comparison.

	Heirs Insurance 4.2/5 · this page	Leadway Assurance 4.5/5	NEM Insurance 4.3/5
Cover Types	Third-party motor; Flexi Comprehensive motor	—	—
Licence	NAICOM-licensed general insurer (RIC No. 093, verified on the NAICOM register)	—	—
Claims	Company promise: all validated claims paid within 48 hours or less	—	—
Best For	First-time buyers who want to buy genuine third-party or entry-level comprehensive cover fully online	Reliable claims	Motor cover
	Visit Heirs Insurance →	Get a quote →	Get a quote →

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Details last checked: July 2026

Ratings are Rateweb's editorial opinion. Product details are checked periodically but can change — confirm current terms with the provider before acting. We may earn a commission from some links, at no cost to you.