What To Know As Police Commence Third-Party Vehicle Insurance Enforcement

The police in Lagos, Akwa Ibom, and Edo states have announced the start of enforcing the mandatory minimum of Third-Party Motor Vehicle Insurance, effective from February 1, 2025.

This action follows the directive of Inspector General of Police, IGP Kayode Adeolu Egbetokun.

In a statement, Lagos State Police Command spokesperson Benjamin Hundeyin explained that vehicle owners in Lagos are required to have at least valid third-party insurance.

He urged those without any form of insurance to get coverage immediately and warned vehicle owners and operators about the consequences of non-compliance with this regulation.

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Hundeyin emphasized that failure to adhere to the rule will lead to strict enforcement, including fines, penalties, or both.

“This initiative aims to ensure vehicle owners comply with stipulated insurance requirements to protect themselves and other road users,” he stated.

The Commissioner of Police for Lagos State, Olanrewaju Ishola, has instructed officers involved in the enforcement of the new insurance regulation to act professionally, courteously, and firmly while performing their duties.

He also warned that any form of misconduct towards the public would not be tolerated by the police.

In Akwa Ibom, Commissioner of Police Baba Azare led a monitoring team through Uyo and Ikot Ekpene on Saturday.

Azare stated that the enforcement aligns with Section 68 of the Insurance Act and emphasized that it is legally required for all vehicle owners to have valid third-party insurance to operate their vehicles on public roads.

He added that the exercise aims to protect road users, ensure accountability, and encourage compliance with traffic laws.

“Today, we are here to monitor the enforcement of the third-party insurance compliance in Akwa Ibom State.

“So far, so good, in all the areas we have visited, people are complying, those who have not complied, their vehicles will be impounded and taken to the police station, where they have to comply with the third-party insurance before release of their vehicles.“For those who will not comply accordingly, the process of prosecution will take place.

“So far, so good, there’s a high level of compliance in the state. This is attributed to the command’s sensitisation meetings with stakeholders. In Akwa Ibom State, we have seamless exercise,” Azare said.

Azare stated that the enforcement would continue until full compliance with the third-party insurance law is achieved.

He mentioned that the command had not yet tallied the total number of vehicles impounded, as the operation was ongoing across all 31 Local Government Areas of the state.

Similarly, in Edo State, Police Public Relations Officer Moses Yamu shared a statement in which Commissioner of Police Betty Enekpen Isokpan Otimenyin urged vehicle owners to ensure they have third-party insurance.

This insurance covers damages to vehicles, property, or injuries resulting from accidents.

The Commissioner also warned that individuals who fail to update their vehicle particulars, particularly the third-party insurance, would face penalties.

The regulation is to be enforced nationwide. According to Section 68 of the Insurance Act of 2003, “(1)No person shall use or cause or permit any other person to use a motor vehicle on a road unless a liability which he may thereby incur in respect of damage to the property of third parties is insured with an insurer registered under this Act.

“(2) The insurance taken out pursuant to subsection (1) of this section shall cover liability of not less than N1 million.

“(3) The insurance under this section shall be in addition to the liabilities required to be insured under the Motor Vehicle (Third Party) Insurance Act, 1950, and shall be regulated mutatis mutandis by the provisions of the Act.

“(4) A person who contravenes the provisions of this section commits an offence and is liable on conviction to a fine of N250,000 or imprisonment for one year or both.”

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