Drive Without Insurance? Pay N250K as Police Enforce Law
The Nigeria Police Force (NPF) initiated the enforcement of the Third-Party Insurance Policy nationwide on Saturday.
Commissioners of police in various states, including Lagos, Kogi, and Akwa Ibom, informed residents that they would start enforcement in accordance with a directive from the Inspector General of Police, Kayode Egbetokun.
The police chief had instructed that the enforcement should begin on February 1.

In a statement, the spokesperson for the Lagos State Police Command, Benjamin Hundeyin, indicated that vehicle owners in Lagos State must have at least a valid third-party insurance policy.
He urged those without any type of insurance to secure coverage immediately and warned vehicle owners and operators about the consequences of not complying with this vital regulation.
Hundeyin noted that failure to adhere to the regulation would result in strict enforcement actions, which may include fines, penalties, or both.
“This initiative seeks to ensure that vehicle owners meet the necessary insurance requirements to safeguard themselves and other road users,” he remarked.
In Akwa Ibom, Commissioner of Police, CP Baba Azare, led a monitoring team through Uyo metropolis and Ikot Ekpene on Saturday.
Azare stated that the exercise was in line with Section 68 of the Insurance Act.
The CP emphasized that it is a legal obligation for all vehicle owners to hold valid third-party insurance before driving their vehicles on public roads.
He mentioned that the operation aims to ensure accountability, protect road users, and encourage adherence to traffic laws.
“Today, we are monitoring the enforcement of third-party insurance compliance in Akwa Ibom State.
Thus far, compliance has been satisfactory in all the areas we have inspected; those who have not complied will have their vehicles impounded and taken to the police station, where they will need to acquire third-party insurance before their vehicles can be released. Those who do not comply will face prosecution.
Overall, there has been significant compliance in the state, thanks to the command’s awareness meetings with stakeholders. The enforcement in Akwa Ibom State has proceeded smoothly,” Azare stated.
Azare added that the enforcement will continue until full compliance with third-party insurance laws is achieved.
In Edo State, the Police Public Relations Officer, Moses Yamu, stated in a release that the Commissioner of Police, Betty Enekpen Isokpan Otimenyin, has urged vehicle owners in the state to ensure they obtain third-party insurance, which covers damages to vehicles, property, or bodily injuries that may result from accidents.
The Commissioner cautioned that anyone who does not update their vehicle particulars, especially the third-party insurance, will face penalties.
In Kogi, Commissioner of Police, Miller Dantawaye, mandated strict adherence to the IGP’s directive throughout the state.
Dantawaye expressed in a statement from Lokoja, issued by the command’s spokesperson, Williams Ovye-Aya, that he expects complete compliance from Kogi motorists.
The commissioner stated that the enforcement, which started on Saturday, aims to promote road safety and ensure that all vehicle owners adhere to insurance regulations.
“These regulations are intended to protect both drivers and other road users,” he noted.
The commissioner appealed to the residents of Kogi to cooperate with the police officers conducting enforcement to prevent unnecessary issues.
He warned that non-compliance with the directive would result in legal repercussions.
The commissioner advised all vehicle owners and road users in the state to secure valid third-party insurance to avoid any inconveniences during enforcement.
Naijaeyes report
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