By Musa Ibrahim
In a decisive move to strengthen road safety and eliminate fake motor insurance policies, the National Insurance Commission (NAICOM), the Federal Road Safety Corps (FRSC), and the National Health Insurance Authority (NHIA) have formed a strategic alliance to enforce compulsory motor insurance and related provisions under the Nigerian Insurance Industry Reform Act (NIIRA) 2025.
The recent partnership, sealed at a high-level meeting held at NAICOM head office in Abuja, is part of Nigeria’s broader effort to modernise its insurance ecosystem, improve public safety, and protect accident victims.
Data Integration to Curb Fake Insurance
According to the resolutions reached, the first step will be the integration of data-sharing systems between NAICOM and FRSC, allowing for real-time verification of vehicle insurance status. Officials say the innovation will close the gaps that have long allowed fake insurance policies to thrive.
“Enhanced data exchange between NAICOM and FRSC will create a robust system for quick response to road accidents and compensation,” said FRSC Corps Marshal Shehu Mohammed, who also emphasised the need for digitising verification processes to eliminate fake insurance certificates.
The collaboration will enable officers to instantly verify the validity of insurance during road checks or incident response, ensuring that only vehicles with genuine coverage remain on the road.
Public Awareness and Joint Enforcement
The agencies also agreed to launch a joint nationwide awareness campaign to educate motorists on the importance of genuine insurance and its connection to road safety.
To strengthen compliance, a Joint Enforcement Committee will be established to oversee enforcement, track fraud cases, and ensure adherence to insurance laws. The FRSC will incorporate insurance verification into its regular licensing and road enforcement operations.
“The Corps is fully committed to integrating insurance verification into our enforcement framework,” Corps Marshal Mohammed said. “This reform will not only enhance safety but also ensure fair compensation for accident victims.”
Better Protection for Road Users and Victims
Speaking during the meeting, Mr. Olusegun Omosehin, Commissioner for Insurance, reaffirmed NAICOM’s commitment to protecting motorists through tighter enforcement mechanisms and inter-agency collaboration.
“NIIRA 2025 has strengthened the compulsory third-party motor insurance policy and established a dedicated fund for compensating road accident victims,” Mr. Omosehin explained. “The fund will be administered by a committee that includes FRSC representation.”
Health Dimension: Swift Treatment for Accident Victims
The NHIA’s representative, Mr. Ajodi Nasir, highlighted the health component of the alliance, noting that the new system will ensure faster access to medical treatment for accident victims through coordinated insurance and health data.
“This synergy will result in a robust mechanism that not only safeguards roads but ensures timely and quality medical care for victims, reducing deaths and long-term complications from road crashes,” Nasir stated.
Driving the Federal Reform Agenda
The collaboration reflects the federal government’s broader reform agenda under NIIRA 2025, aimed at modernising the insurance sector, strengthening enforcement, and linking insurance with public safety and health outcomes.
A date will soon be announced for the formal inauguration of the Joint Enforcement and Coordination Committee, which will serve as the operational backbone for implementing the new enforcement framework nationwide.
In bridging data, policy, and health systems, this partnership signals a new era of accountability, safety, and protection for every motorist on Nigerian roads.
