9m Motorists Drive Without Valid Insurance Papers

As most Nigerians battle economic hardship leading to low disposable income, no fewer than 9 million motorists are driving their vehicles without valid insurance papers on Nigerian roads.

According to data sourced from the Federal Roads Safety Corps (FRSC) and the Nigerian Insurers Association (NIA), there are over 12million vehicles plying roads across the country with 9million out of them uninsured, leaving a paltry 3.2million motorists with valid insurance cover.

LEADERSHIP can exclusively reveal that this is despite increased third-party motor insurance enforcement by the police which started on 1st of February, 2025 across the country.

Although, some uninsured motorists were apprehended and penalized at the initial stage of this enforcement, months later, the aura seems to have slowed down, as motorists continue to violate broad use laws, which include insurance, unabated.

The data revealed that, as at June, 2025, only 3,289 million motorists have active insurance policies registered through the Nigerian Insurance Industry Database (NIID) and the Nigerian Insurance Industry Portal (NIIP).

The June 2025 data was only about 81,000 higher than 3.208million motorists that had valid insurance papers as at June 2024.

Further breakdown of the data showed that out of the 3.289 million active policies, 3,167 million were registered through NIID, while 122,565 policies were registered through NIIP as at June this year.

However, of the 3,208 million vehicles with valid insurance papers as at June 2024, 3,203 million policies were registered through NIID and 4,943 policies through NIIP.

Details later…