Get your car legal today, with cover that actually holds up.
Third-party is the least the law asks of you before you drive. Otrac places it with a licensed underwriter and hands you a genuine certificate fast, so you stop worrying about a checkpoint and get on with your day.
- Legal minimum cover
- Same-day certificate
- Licensed underwriters
- Paperwork handled
- Affordable, no Otrac fee
The cover the law wants on your car before you turn the key.
Third-party motor insurance pays for the harm you cause someone else on the road. If you dent another person's car or hurt a pedestrian, their claim goes to your underwriter instead of your pocket.
Under Nigerian law this is the floor every vehicle on a public road must meet. Plenty of drivers still carry a certificate they bought cheap at a junction, and it counts for nothing the day something happens or an officer scans it. Otrac places yours with a licensed underwriter so the paper is real, the record exists, and you never have to explain a fake sticker to anybody.
What you get when Otrac arranges it instead of a roadside seller.
A genuine certificate
Your policy sits with a licensed underwriter, so the certificate is registered and stands up when an officer or a claimant checks it.
It moves fast
Send the vehicle details on WhatsApp and, once payment reaches the underwriter, most certificates go out the same day.
Room to grow
Start with third-party today, then move up to comprehensive whenever the budget allows, on the same underwriter and one quick message.
From a WhatsApp message to a certificate on your phone.
Send the vehicle details
Message us the make, model, year and plate number. That is all the underwriter needs to price your third-party cover.
We quote and place it
You get the premium back straight away. We place the policy with a licensed underwriter, no queue and no back and forth.
You pay the underwriter
The premium goes to the underwriter directly. Otrac arranges everything and never slips a charge onto the price.
Your certificate lands
The genuine certificate comes to you, usually the same day. Keep it in the car and drive without the checkpoint worry.
Everything in an Otrac third-party arrangement.
One message, and a policy that does the job the law needs it to do.
Cover for third-party harm
The underwriter answers for injury or damage you cause to other people and their property.
A licensed underwriter
Your policy sits with a properly registered insurer, so the certificate is real and holds up when checked.
A verifiable certificate
The document carries a record you can check, not a printed sticker that means nothing.
Fast turnaround
Most certificates go out the same day once the premium reaches the underwriter.
The paperwork handled
We fill it, place it and follow it up. You send the vehicle details and we do the rest.
No hidden Otrac fee
You pay the underwriter the premium. Our arranging does not add a naira to the price.
Third-party against comprehensive, in plain terms.
Both are real policies. The difference is whose car gets paid for when something goes wrong. Read it, then pick what fits your budget.
Newer or higher-value cars usually earn back the extra with comprehensive. If you just need to be legal now, third-party gets you there. Read about comprehensive cover →
What third-party cover costs
The premium is paid to the underwriter, and Otrac adds nothing on top. Tell us the vehicle and we come back with the exact figure.
Third-party cover
The floor the law asks for, arranged and delivered fast.
Paid to the underwriter. No Otrac fee on top.
- Cover for third-party injury and damage
- Licensed underwriter, verifiable certificate
- Same-day turnaround on most cars
- Room to move up to comprehensive later
Want the full picture
If your car is worth protecting on its own, comprehensive is the next step up.
Premium depends on the make, model, year and value.
- Everything third-party gives you
- Repairs to your own vehicle
- Theft and fire, subject to terms
- One team to arrange the switch
Prices sit with the underwriter and move with the vehicle. Send us the details for the exact figure. See full pricing →
We arrange your papers the way we fit our trackers. Properly.
Otrac has looked after Nigerian vehicles since 2017. We deal with licensed underwriters every week, so we know which ones pay when a claim lands and which ones stall. Your certificate comes from a real policy on a real record, not a document somebody printed to make a quick sale at a junction.
You send one message and we handle the rest, from the quote to the certificate in your hand. When you are ready for tracking, tinting, comprehensive cover or your licence, it is the same team and the same number, so nobody sends you around town.
Cover is one piece of keeping a car right in Nigeria.
Most owners who sort their insurance are thinking about the rest of it too. Otrac looks after the whole life of the vehicle, so one team handles the lot.
Comprehensive cover
Step up to a policy that protects your own car as well, not just the other driver's.
Car tracking & recovery support
Hidden, anti-jammer tracking and location intelligence for the security authorities if the car goes missing.
Licence & compliance
Sort your driver's licence and the rest of your vehicle papers without the queues.
Talk to us
Not sure which cover suits your car? Message the team and we will point you the right way.
Third-party insurance, answered.
Is the cover you arrange real?
How fast can I get the certificate?
Do you add your own charge on top?
What is the difference between this and comprehensive cover?
Can I move up to comprehensive later?
Tell us the car. We will quote it and get you legal today.
Send the make, model, year and plate number on WhatsApp, and we will sort your certificate.
