Low Cost Auto Insurance In Nigeria: You probably have never heard about Auto Insurance or perhaps have not been fully cleared about it. This post will definitely give a broad coverage on it.
Before we delve into where you can get low-cost Auto Insurance in Nigeria. Let’s try to introduce you to Auto Insurance.
What is Auto Insurance?
Auto Insurance is a Contract between the Insurer and the insured whereby the Insurer promise to indemnify you in the event of a financial loss in the event of theft or accident.
The insurer is the Insurance Company while the Insured is a person or company covered by Insurance.
In exchange for you paying a premium, the Insurer will agree to compensate you for the loss that may arise.
Why do I need Auto Insurance?
Most Countries do advise that all vehicles owners should get their property insured, but many people still go over the edge to get additional Insurance to protect their interest.
Vehicle is just a broad word for Auto Insurance; Property, liabilities and medical also fall under it.
Damage to properties, cost arising to others for properties damage or Injury. It also compensates when you have an accident caused by a driver who does not have auto insurance.
Not just these, Auto Insurance goes beyond just that. It is surely a friend in need when you need it most.
Whether you are driving your car or someone’s car, an auto insurance will cover just that. Be it known that if you are driving someone’s else car, to indemnify, you must have taken permission from them.
Personal Auto Insurance only covers personal driving. Don’t expect coverage if you are using for commercial purposes.
Lastly, you need Auto Insurance because the law requires it and it is compulsory. (See Road Traffic Act, 1950)
Classes of Auto Insurance
Basically, Auto Insurance covers the damage caused by your vehicle. It does not cause damage done to your vehicle.
If you really want something different, you should arrange with your Insurer.
Collision and Comprehensive Car Insurance are the most common ones but we will also be updating you on Glass Insurance.
Comprehensive Car Insurance: Collision has been pointed out as one of the types of Auto Insurance.
Comprehensive Car Insurance provides you with cover against damage or theft that may arise as a result of an incident other than Collision.
Such covers include vandalism, flood, damage caused by trees and related ones, fire and other hazards.
You can be entitled to compensation under this scheme when an object, such as a tree or pole falls on your vehicle, an animal rammed into your car, stolen or vandalized and many.
Comprehensive Car Insurance lives its name as it is broad enough. Your insurance company would always be available to provide you with the others.
Collison Insurance: Collision is not extensive enough but it is hard to lay aside. Asking why it is hard to lay aside? Most of the likely hazards fall under this.
In a layman language, under collision insurance, you are compensated when your car got damaged as a result of colliding(hit another car) with another car.
Upon that, you are entitled to full replacement of your or partial depending on how the Insurance Company deems it fit.
Damages under Collision will arise when your car hits an object, say a tree or it collides with another car, hits a pothole and few more.
Glass Insurance: this type of insurance provides coverage against windshield damage be its rear windows, side windows, and glass sunroofs.
Glass Insurance is optional and it is mostly purchased with Collision Insurance.
Damages under Glass Collision can arise when tree bashes your windshield, animal ramming into your windshield, pebbles flying into your windshield while driving, and sometimes an act of God.
Where you can get Low-Cost Auto Insurance Company In Nigeria
- AIICO Insurance Company: AIICO Insurance Company is one of the leading Insurance Company in Nigeria.
Founded in 1963, and since then, they have been a force to reckon with. Their expertise lies in providing health and life insurance, general insurance, investment management, and pension management services that help to create and protect wealth for all.
Head Office Address: Plot PC 12 Afribank Street, Victoria Island, P. O. Box 2577, Lagos
Tel: 01-2612472, 01-2614669
- Anchor Insurance Company: Anchor Insurance Company was licensed by the National Insurance Commission in 1989 as a non-life insurance outfit.
The board consists of established professionals from different business fields whose experiences helped to shape the revolution of Insurance business in Nigeria.
For years, the companies have shown grit and innovation in product and customer service delivery. It has in one way proven they are a great outfit for Insurance Business.
Head Office Address: Plot 21, Ahmed Onibudo Street, Victoria Island, Lagos, Nigeria.
Tel: 01-3425908, 08029522219, 08035397635, 08138003100
- Consolidated Hallmark Insurance PLC: Consolidated Hallmark Insurance PLC emerged as one the best Insurance Company in Nigeria in the year 2007.
The second Insurance Company in Nigeria to obtain the coveted ISO 9001:2015 (Quality Management Systems Certification)
The company has taken the podium when we talk of underwriting of key transactions in Oil & Gas, Aviation, and Motor Insurance Business.
Head Office Address: 266 Ikorodu Road, Obanikoro, Lagos.
Tel: 0700CHINSURANCE (0700-2446-7887-2623) +234 1 2912543, +234 1 2912532
- Leadway Assurance Company Limited: for years, Leadway Assurance Company Ltd has made good to its promise by providing efficiency and customer satisfaction.
This is brought by the Insurance Company’s commitment to maintain competitive advantage. The company has been in the business for 45 years(Since 1970) and can be said to be one of Nigeria’s insurance service companies.
Head Office Address: 121/123 Funso Williams Avenue,
Iponri Surulere, Lagos
- Axa Mansard Insurance Plc: Axa Mansard Insurance is one of the division of Mansard Group with 166,000 employees in 67 Countries.
Axa Mansard Insurance PLC was incorporated in the year 1989 and also registered under National Insurance Commission of Nigeria (NAICOM).
The company covers life and non-life insurance products and services to individuals and institutions.
Head Office Address: Santa Clara Court, Plot 1412, Ahmadu Bello Way, Victoria Island, Lagos
Tel: 0700 292 626 7273, 01-4485482
Claims Hotline: 08150490199, 08150491085, 08150490342
How To Get Free 120GB Data From MTN
Here is a post on how to get free 120gb data from MTN Nigeria. The data will last for 3 months and it works for all MTN sims, whethere old or new.
All you need to do is to pick up your smartphone that has a MTN Line on it. If you have not done so, kindly insert your MTN sims on in it.
- Dial *131#
- Reply with 7
- Typle 5 into the new provided space
Reply again 1 (that is about 120gb for 3 months)
- Select 1 to proceed
- Enter your mobile number as MSSN
- Dial *131*7*5*1*1#
- Enter the number you want to send to.
- Enter your own number to enjoy this before it is over.
Note: Sometimes you may get a response that it is not successful. Ignore the response and check your data balance to confirm your free data bonus.
Use while this offer is on the table. It may be stopped anytime soon
Share with others.
9 Best Apps To Make Free Calls
It is time to cut down some expenses and follow this guide on how to make free calls from any country you live in or anywhere you are.
There is a sweet sensation when you hear from your loved ones who are not around, better if it is made through voice calls.
Your smartphone has been underused and can do much more than you can imagine. Taking cute pics, surfing the internet, watching movies and some things you know are just a few of the things smartphones are enabled to do.
This is made happened using the internet which can be used for free phone calls and video calls.
Not many of us get to use our data plan before the expiry date. You can exhaust those data on calls. You won’t even realize that you are using your internet for phone calls because the data exhausted is almost next to nothing.
To get started, you will need your smartphones and must be running on any of Android operating system (OS) or Ios (iPhone & Ipads.).
PC users can also make use of some of the free internet calls app but I am not one that fancy using a computer to make calls.
Let me introduce you to some apps that allow you to make free calls and video calls. Some of them are apps you have used or heard about.
It is safe, secured and free to download.
This app has been around for a while. It is most popular outside the USA. The majority are now using it as a means to get a real USA number especially if you are Non-Americans.
Textplus allows you to make calls or receive calls just like you would have done on your landline, mobile phone or on local telephone service. Text messages are also allowed on it.
Everything is almost the same except that you won’t be getting a sim card or chip you can slot into space provided by your phone.
All activities are carried out using the TextPlus app which is available for download on Play store and apple store.
It does not matter where you are, you can make free internet calls to Nigeria, India, South Africa, UK and any other country you are.
As I said, Non-Americans who find it difficult to use the app or register can download VPN to sort out the registration process.
All things being considered, the service is only allowed in the USA and Canada but there are times where you might need to keep track of your important activities, maybe banks transactions, deals, and whatever.
Registering the app means you can always be in look out for some important SMS or make/receive calls with your USA line. Take advantage of this and start making that free calls today.
This offer is almost the same as TextPlus. It is an application fully integrated to make free unlimited, calls and SMS with other text now users.
You are not going to see much of a difference between textnow and textplus as both offer actual USA number.
Like a regular mobile number, textnow will keep track of your incoming calls, dialed numbers, and missed calls.
If you are not living in the USA and you want to register, you can do so by downloading from play store or apple store. If you are unable to connect, a good VPN will allow you to seamlessly register on TextNow.
To be honest, I just started taken note of DUO when I changed my phone. Not my favorite free internet call but one cannot ignore its growing presence as at the moment.
With each upgrade in Android OS, comes with a preinstalled Google Duo. It is just a matter of time before it becomes the real deal.
There is still much work to be done and more publicity if Google intends on making it one of the most used apps in the world but as of now, it is not.
Google duo allows you to make free calls and video calls to other Google Duo Users on your phone. The only disadvantage is it is not everyone favourite app but can be better. Also, no sending or receiving of text message through this channel.
Most Android phones now come with preinstalled Google duo. If you do not have it, you can have it downloaded on play store or on apple stores (iPhone & Ipad).
My number one app to make free calls and video calls. Whatsapp is a text-based app and inarguably the best out there.
I would say it is difficult to gauge who has the most users between WhatsApp and Facebook but based on the figures released, I would have to go with facebook messenger. Not that the company care, they are both great investments for Mark Zuckerberg.
Whatsapp was acquired in 2014 and became one of the largest venture-backed company. It was no surprise to many when Zuckerberg Acquired it, WhatsApp had lots of promises and we can confirm that with the massive upgrades on WhatsApp.
You can now make audio calls, video calls, share status with family and friends, select who you want to see your status and the many upgrades that are yet to feature.
The app is very easy to use. You can share a good conversation with friends, exchange pictures, documents, files, and video and many more. It is easy to say it is the best social app to date.
While growing up, I used to love Hi5, myspace, and bebo. These were some great social media apps when the internet was still trying to find its feet. Facebook came along, then we substituted all for this great social media.
Facebook users can share a thought or post on their page, upload pictures and videos, chats, internet calls, and video calls. To get started with making free calls or video calls, users must be friends on facebook.
The app is Available for Android, Apple, and PC users.
Telegram is one of the best out there. The safest app which is powered by an end to end encryption when you use the Telegram secret message.
It leaves no trace, no screen grab, no message forwarding and will self destruct when you are done chatting. On telegram, you can use it as a storage for your important files. There are just a few of the features on telegram.
Aside from that, it can be used to make free internet calls at no cost to you. to make the calls, both must have telegram installed and must be connected to one another.
You cannot use the app to make calls to local landline and your country’s mobile numbers.
Viber is a free app that allows you to chat, make internet calls and video calls, and send messages to Viber users.
On the app, you can also make calls with non-Viber users but will attract a charge. Instead of having to incur any charges, Viber out allows you to make calls at a very low.
The internet connection allows on Viber are 3G, LTE, and WIFI. 2g is not allowed because of its low speed to the task given as Viber want better quality.
You can download Viber on Android, Ios, windows, Linus, and Mac computer.
Skype is one of the oldest applications that allows you to make internet call for free, text messages and video chats between devices.
The only time you need to pay is when you are making calls to a landline or mobile, SMS and voicemails but if users are both on skye, it is free.
With skpe you can connect with users on PC, Android phones, Apple ios, kindle fire HD, web and other devices.
Snapchat is the most popular dating app. It is mostly renowned for taking beautiful selfies, chats and video chat with lots of customization tools.
This is an app you can’t afford to have on your phone especially if you are selfie kings and queens. It makes your pictures and videos come out better.
Like most of the awesome apps I have mentioned, it is available for download on Play store (Android) and apple store (iPhone and iPad)
0123Movies: Best Site For Downloading All Types Of Movies & Series
Never in my wildest dreams, I ever thought I will come across a movies site that allows you to download based on each country’s movies.
Luckily for me, I found 0123movies again and this time I did not ignore. So many times we seem to judge the book by the cover not knowing that there could be so much within.
Not the first I came across the site but as a movies lover who loves his movies so much, I am naturally drawn to filmywap, fzmovies, and tamilrockers.
Filmywap is the site for me when I want to watch non-series movies, the site is clean and comes with easy navigation. I was stuck with it because I have never for once being disappointed.
It also features series movies but not my choice If I am looking to watch that super TV shows. It is fzmovies and o2tvseries for me.
When I am totally bored with Hollywood, I always find refuge under tamilrockers.
Tamilrockers is simply saying Tamil movies lovers but there are so much to it than just the name given to the site. It features great Indian movies, Bollywood, Hindi and the less popular Punjabi movies.
Won’t you call it an upgrade if you find a site that accommodates all movies type? I present to you 123movies, the best movies site for everyone. You can always find movies from your country.
It is no longer news that Hollywood, Bollywood, and Nollywood are the biggest movies makers in the world. I will take their popularity in that order.
Hollywood had for long established its root and I don’t see that coming to end anytime soon. An industry filled with talented free thinkers who know how to write and describe abstract events.
Bollywood is a bit far behind Hollywood yet also has a great way of telling a story. Everyone loves Bollywood but recently I have been skipping the usual dances and music. I won’t hold them to that though, they should be hero-worshipped for being not afraid to show beauties of Indian.
Nollywood has not done bad, they have long been in the industry. A lot of improvement has been made but they are still being hampered by lack of fund. Nollywood movies are mostly watched in Africa.
Korean and Philippines movies may have started having a global audience but not yet at the level of the three. Korean movies mostly for its ever DRAMA QUEEN storyline. More work still need to be done if they ever want to be lined among these legends.
Although It may seem like I only made a few points about the popular movies industries, 0123movies has free movies to download for every country.
All you need is to do is select your country or which country’s movies you want to see.
Why You Should Choose 0123movies over others.
- Great designs and mobile friendly.
- Email subscription to provide you real-time updates.
- Downloading from 0123movies is free and No registration required.
- Movies are available in HDTC, SD, MP4, and HD.
- Access to TV Shows, movies, top IMDB and editor list.
- All genres of movies available for download.
- You can request for movies and also use the popular A to Z.
- Download movies from any country of your choice.
- Contents are virus and malware free.
How To Download TV Series And Movies From 0123movies
- Enter 0123movies website, http://www6.0123movies.sc on your browser. Use Opera or Firefox for better results.
- On the new page, you have two choices. One is to download or stream movies. If I were you, I will rather download into smartphone or devices than to stream.
- To download, locate RAPIDVIDEO at the bottom of the displayed video and click on it.
- Another new page will emerge, look at the 3 dots at the right side of your device and click on it.
- When you click on the 3 dots, it will briefly change to DOWNLOAD. Click on DOWNLOAD to begin the process.
- The download session should begin upon authorization.
0123movies is a wonderful site to download trending movies from any country. It is simple to use that anyone could have a great field day on the website.
When you click a link and it takes you to another page different from 0123movies, all you need to do is close the page and go back to the site. It will automatically take you to the page you intend to go.
The truth is I find 123movies easier to use than other movies and tv series sites I have come across.
You too can join the team and start enjoying high-quality movies.
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