Insurance in Nigeria
Understand the protection on the trip.
Motor insurance and Personal Accident cover are arranged with Coronation Insurance. Nova Rides is not the insurer. The issued policy decides what applies.
In partnership with
Coronation Insurance underwrites the policies it issues for eligible listings and bookings. This partnership does not endorse every Nova Rides service, and it does not guarantee a claim.
Two kinds of cover. Neither replaces the other.
Motor insurance
Arranged for the vehicle with Coronation Insurance. The issued motor policy states what it responds to.
Personal Accident cover
Injury benefits for the person who completes that cover. It does not pay for damage to the car.
Booking conditions
Eligibility, documents, and the booking decide whether a policy can be issued at all.
Policy and support
Read the issued policy and the Terms of Service, or contact Nova Rides support with a coverage question.
For vehicle owners
Share your car with the terms in view.
- Motor Max Gold, when you arrange it on the listing, uses a pre-set premium of ₦50,000 for 12 months.
- The own-vehicle repair sum insured is ₦1,000,000. If Coronation returns a premium, that amount is charged. It is not a promise that a repair is approved.
- You can enter an existing Coronation policy instead, when the listing offers that choice. The number, expiry, and certificate have to stay on file.
- The listing asks for a government ID, your signature, proof of ownership, a recent utility bill, and a profile with your name, email, and phone.
- After an incident on a booking, you see a notice there. Coronation assesses any claim. Nova Rides does not guarantee a repair or the return of the car.
For guests
Know what applies before you drive.
- Motor insurance sits with the vehicle. Starting a booking does not create a motor policy in your name.
- Personal Accident is separate. It is injury cover for the person who completes it, including an additional driver who pays on their own account.
- It does not cover damage to the vehicle, someone else's property, or liability to other people.
- When live pricing is available, you choose a cover level. Coronation calculates the price, and that amount is included when you pay.
Option A
- Death
- ₦200,000
- Disability
- ₦200,000
- Medical
- ₦10,000
Option B
- Death
- ₦300,000
- Disability
- ₦300,000
- Medical
- ₦15,000
Option C
- Death
- ₦400,000
- Disability
- ₦400,000
- Medical
- ₦20,000
Option D
- Death
- ₦500,000
- Disability
- ₦500,000
- Medical
- ₦25,000
Option E
- Death
- ₦1,000,000
- Disability
- ₦1,000,000
- Medical
- ₦50,000
Benefit bases only. The quote does not include experience-loss or total temporary disability. The booking screen describes cover as lasting for the trip. The issued policy states the period.
Browse carsWhat happens if a vehicle is damaged?
Report it. Then follow the policy. These steps are not a promise of payment or a timeline.
01
Prioritize safety
Stop somewhere safe. Contact emergency services if someone needs them.
02
Notify Nova Rides
Use Get Help on the booking, or contact Nova Rides support. Tell the host as well.
03
Keep the evidence
Save photos, booking details, and contacts when that is safe and lawful.
04
Follow the claim
Cooperate with Nova Rides and Coronation. A claim is assessed under the policy, not approved on the spot.
Contact Nova Rides supportsupport@novarides.ngCoronation claims portal (opens in a new tab)
The policy is the document that counts.
This page is a guide. After a policy is issued, guests open it from the booking and hosts open the motor certificate from the vehicle insurance step.
- Nova Rides is not the insurer. Coronation Insurance underwrites the policies it issues and assesses the claims.
- Not every vehicle, driver, passenger, or type of damage is covered.
- Personal Accident figures on this page are benefit bases, not premiums and not vehicle-damage cover.
- Deductibles, exclusions, geographic limits, and the period of cover are in the issued policy. They are not stated here.
Frequently asked questions
Is insurance included when I book a car?
A booking is not itself an insurance policy. When live pricing is available, the booking asks you to choose a Personal Accident cover level. Coronation Insurance calculates the price, that amount is included when you pay, and Nova Rides then asks Coronation to create the policy.
Motor insurance is a separate arrangement for the vehicle. Neither arrangement means every accident, driver, passenger, or type of damage is covered.
What insurance arrangements apply to vehicle owners?
Hosts are expected to keep valid motor insurance that allows the vehicle to be hired. On the listing, a host can arrange Coronation Motor Max Gold, or enter existing Coronation cover when that choice is offered.
Motor Max Gold uses a pre-set premium of ₦50,000 for 12 months and an own-vehicle repair sum insured of ₦1,000,000. If Coronation returns a premium, Nova Rides charges that returned amount. The issued policy states what is actually covered.
What is Personal Accident cover?
Personal Accident is a Coronation Insurance policy for injury benefits. The cover levels in booking set benefit bases for death, permanent disability, and medical expenses. The quote does not request experience-loss or total temporary disability benefits.
It is arranged for the person who completes it: the guest, or an additional driver who pays for their own cover. It does not automatically include every occupant or every driver. Coronation sets the price. The figures on this page are benefit bases, not the premium.
Does Personal Accident cover damage to a vehicle?
No. Personal Accident is not motor insurance. It does not cover damage to the vehicle, damage to someone else's property, or liability to other people. Whether vehicle damage is covered depends on the motor policy that applies, if one does.
What should I do if an accident occurs?
Make the scene as safe as you can, and contact emergency services when someone needs them. From the booking, use Get Help so Nova Rides is notified. You can also contact Nova Rides support. Keep photographs and other evidence when that is safe and lawful, then follow the policy and the documents Coronation or Nova Rides asks for.
Are all types of damage covered?
No. The Nova Rides Terms of Service state that insurance does not necessarily cover every loss, accident, damage, theft, or circumstance. This page does not list insured events or exclusions, because the full policy wording is not in the project. Read the policy that was issued.
Where can I read the full policy terms?
Read the policy document Coronation issues. After it is available, guests can open it from the booking, and hosts can open the motor certificate from the vehicle insurance step. The Nova Rides Terms of Service explain the platform's role. This page is not the policy.
Who should I contact if I have a coverage question?
For a question about a booking, contact Nova Rides support. For a claim under a Coronation policy, use Coronation's claims portal and the contact details published for Coronation. Nova Rides can help gather information. Nova Rides does not decide whether a claim is paid.
