Cover that pays for your own car too, whoever caused the crash.
Otrac lines up comprehensive insurance with an underwriter we trust, sorts the papers, and stands with you if you ever have to claim. Fit an Otrac tracker and the premium drops.
- Full cover for your car
- Tracker discount
- Claims support
- Paperwork handled
- Renewal reminders
The morning after an accident, the type of cover you bought decides who pays.
Comprehensive insurance pays to fix or replace your own car after a crash, a fire, or a theft, on top of what you owe the other party. Third-party stops at the other person's car, so if your bonnet is folded in, that bill lands on you.
Most owners in Nigeria carry only third-party because it is cheap and it ticks the legal box. That is fine until the day someone runs into you and drives off, or the car is lifted from your compound at night. We arrange the real cover, place it with an underwriter who actually pays out, and a verified Otrac tracker on the car brings the premium down.
Here is what you get when Otrac handles the cover.
Your own car is covered
Damage to your vehicle, theft, fire and accident all sit inside comprehensive cover. Third-party leaves your car out, which is where the pain usually is.
The tracker discount
A car an insurer can locate and recover is a safer bet for them. Fit a verified Otrac tracker and the premium can drop by up to 10 percent.
We do the paperwork and the claim
We handle the forms with the underwriter and stay with you if you have to claim, so you are not chasing a stranger on the phone the week your car is off the road.
From a WhatsApp message to a policy in your name.
Send us the car
Message the make, model, year and rough value, plus your city. We come back with a quote from the underwriter, usually the same day.
We place the cover
You pick the quote, we set it up with the underwriter, and if a tracker is on the car we apply the discount to the premium.
Papers sorted
We handle the forms and get the policy document into your hands, so the cover is real and in your name, not a promise on a receipt.
Claims support when you need it
If something happens, you message us. We tell you what the underwriter needs and stay on the claim with you until it is settled.
What comprehensive cover puts behind your car.
One policy, arranged properly, that stands up on the day you actually need it.
Damage to your own car
Repairs after a crash come out of the policy, not your pocket, whoever caused it.
Theft cover
If the car is stolen, you are paid its value, and a tracker gives the insurer a real chance to recover it.
Fire and accident
Fire, collision and the events that write a car off are all inside the cover, not carved out.
Third-party liability
The other party's car and injuries are covered too, so comprehensive does everything third-party does and more.
Tracker discount applied
A verified Otrac tracker on the car brings the premium down by up to 10 percent with the underwriter.
A person on the claim
We sort the paperwork and stay with your claim, so you talk to us on WhatsApp, not a call queue.
What each type of cover pays for.
Third-party is the cheaper legal minimum. Comprehensive cover is what protects the money you have tied up in the car. Read the full breakdown in comprehensive vs third-party in Nigeria →
What comprehensive cover costs
The premium is a share of what the car is worth, so a bigger or newer car costs more to cover. A tracker on the vehicle brings that figure down.
Comprehensive cover
Full protection for your car and the other party.
The exact premium depends on the car and the underwriter.
- Your own car, theft, fire and accident
- Third-party liability included
- Paperwork handled for you
- Claims support on WhatsApp
With a tracker fitted
The same cover, with the tracker discount applied.
Insurer-dependent. A verified Otrac tracker on the car earns the discount.
- Everything in comprehensive cover
- Premium reduced by the tracker
- Better odds of recovery if stolen
- One team for cover and tracking
You pay the underwriter directly for the cover, with no extra fee from us. See full pricing →
Cover is one part of running a car properly in Nigeria.
Most owners who sort their insurance are getting the rest of the car in order too. Otrac looks after the whole life of the vehicle, from the tracker that finds it to the papers that keep it legal.
Car tracking & recovery
Hidden, anti-jammer tracking that earns the insurance discount and helps recover a stolen car.
Driver's licence & papers
Sort your licence and vehicle documents without the queues, so the car stays road-legal.
Where we cover
See the cities and roads we work across, and where we can meet you to sort the car.
Talk to a person
Not sure which cover fits your car? Message us and we will walk you through it.
Comprehensive insurance, answered.
What does comprehensive insurance actually cover?
How much does a tracker knock off the premium?
How do I make a claim?
What documents do you need for a quote?
Does Otrac charge a fee for the insurance?
Tell us the car. We will quote the cover and sort it this week.
Send the make, model, year and your city on WhatsApp, and we will do the rest.
