InSchekr Service 
Smarter insurance decisions made simple — from VIN to value, premium to policy.
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Policy Comparison — InSchekr
Compare Nigerian insurance classes side by side — including Motor, Fire, Marine Cargo, Health, Travel, Life (Term), and Personal Accident. Use the tabs to switch classes, then review benefits across typical plan levels.
Compare Policies
| Feature | Third-Party | Third-Party Fire & Theft | Comprehensive |
|---|---|---|---|
| Third-party property damage | ✔️ | ✔️ | ✔️ |
| Third-party bodily injury | ✔️ | ✔️ | ✔️ |
| Fire (your vehicle) | — | ✔️ | ✔️ |
| Theft (your vehicle) | — | ✔️ | ✔️ |
| Accidental damage (your vehicle) | — | — | ✔️ |
| Windscreen | — | Optional | Optional/Included |
| Personal effects | — | — | Optional/Included |
| Excess (out-of-pocket) | Low | Medium | Varies by plan |
- Third-Party is the legal minimum; Comprehensive offers the widest cover.
- Benefits vary by insurer; always review policy schedule & wording.
How It Works
Three quick steps to choose confidently:
Pick a Class
Switch tabs to Motor, Fire, Marine, Health, Travel, Life, or PA.
Compare Benefits
See coverage differences across typical plan levels.
Estimate & Buy
Use the calculator, then proceed to purchase.
This made it easy to understand what I’m getting for each plan. I chose exactly what I needed.
Chika N. Lagos
Notes
- Coverage, limits, and exclusions vary by insurer and policy wording.
- Some benefits may require add-ons or riders; waiting periods may apply (e.g., health, maternity).
- Always review your quotation, schedule, and full policy wording before purchase.
