The National Insurance Commission (NAICOM), the Federal Road Safety Corps (FRSC), and the National Health Insurance Authority (NHIA) have entered into a strategic partnership to enforce compulsory motor insurance and improve road safety under the new Nigerian Insurance Industry Reform Act (NIIRA) 2025.
NAICOM announced the collaboration in a statement issued on Thursday after a high-level meeting held at its headquarters in Abuja. The meeting brought together senior officials from the three agencies, who agreed on key measures to strengthen compliance, enhance data sharing, and improve emergency response for road accident victims across the country.
According to the resolutions reached, the first major step will be the integration of data systems between NAICOM and FRSC. This integration will enable real-time verification of vehicle insurance status and help eliminate fake motor insurance certificates. Officials explained that this digital link will allow instant confirmation of valid policies during road checks and ensure that accident victims receive quick compensation.
The agencies also resolved to embark on a nationwide public enlightenment campaign to educate motorists on the importance of genuine motor insurance and its direct connection to road safety. The campaign will focus on discouraging the use of fake insurance papers and promoting awareness of the new provisions introduced under NIIRA 2025.
As part of the agreement, a joint enforcement committee will be created to coordinate compliance operations nationwide. The committee will handle verification, enforcement, and fraud investigation related to compulsory motor insurance. It will also work with state traffic agencies and other law enforcement bodies to ensure effective monitoring.
The Federal Road Safety Corps will integrate valid insurance verification into its licensing and road patrol activities. This means that during routine checks, officers will be able to instantly confirm the authenticity of a vehicle’s insurance policy through the shared data platform.
FRSC Corps Marshal, Shehu Muhammed, said the new partnership will strengthen Nigeria’s road safety management system. He explained that “enhanced data exchange between NAICOM and FRSC will enable quick response to road accidents and ensure that compensation is processed without delay.”
Muhammed added that the collaboration will also promote the digitisation of insurance verification, which will help eliminate fake policies and improve transparency within the sector.
In his remarks, the Commissioner for Insurance, Mr. Olusegun Omosehin, reaffirmed NAICOM’s commitment to protecting motorists and accident victims through stronger institutional partnerships. He noted that the NIIRA 2025 law has significantly expanded the scope of the compulsory third-party motor insurance policy and introduced a compensation fund for road accident victims.
“The Act now provides a legal framework for a victims’ compensation fund, which will be managed by a committee that includes FRSC representation,” Omosehin said. “This initiative will ensure that victims of road accidents are adequately compensated even in cases where offenders are uninsured or unidentified.”
Speaking on the health dimension of the partnership, the NHIA representative, Mr. Ajodi Nasir, stated that the collaboration will help ensure prompt and quality medical treatment for accident victims. He explained that linking insurance and health systems will reduce delays in medical response and improve survival rates.
Nasir added that “this synergy between insurance, road safety, and health authorities will create a system that not only secures the roads but also guarantees immediate and effective medical intervention when accidents occur.”
The partnership among the three agencies forms part of the federal government’s broader reform agenda to modernise the insurance industry and align it with digital transformation goals. Through the NIIRA 2025, the government aims to strengthen consumer protection, improve safety standards, and ensure that Nigerians benefit more directly from insurance coverage.
A date will be announced soon for the formal inauguration of the Joint Enforcement and Coordination Committee, which will oversee the implementation of the agreed measures.
