They are hard-working, self-employed people who take care of their families. Every Okada Rider is exposed to the risk of accidents, not necessarily because they are careless or reckless, but because accidents sometimes occur due to various other reasons. When an accident occurs, the most important thing is the life of the Okada Rider. Most times the Okada Rider may:

• sustain injury that needs medical treatment.
• not be able to walk or work again (i.e. permanent disability) after the treatment.
• die and this makes his family, especially his children to suffer.
• hit another road user and cause injury to them or damage to their property which he will be asked to pay.

All these can be taken care by Okada PASS. Okada Pass means Personal Assurance & Safety Scheme (PASS) for Okada Riders. This is a compensation plan for you in case of an accident. The premium (Amount) you pay depends on the Type of Plan you choose. Below are 5 types of Plan your can choose from.

DIGITAL BIKE COVER at ₦10,400 per annum, you get paid up to:

• ₦100,000 for Medical Expenses
• ₦250,000 for Permanent Disability
• ₦250,000 for Death
• ₦75,000 for Third Party Liability
• ₦50,000 for Repair Assistance (Owned damage)
• ₦50,000 for Passengers Medical Expenses
• ₦250,000 for Goods/Parcel (Annual Limit)

CONFAAM COVER at ₦4,400 per annum, you get paid up to:

• ₦80,000 for Medical Expenses
• ₦200,000 for Permanent Disability
• ₦200,000 for Death
• ₦70,000 for Third Party Liability
• ₦20,000 Repair Assistance (Owned damage)
• ₦20,000 for Passengers Medical Expenses

NO-SHAKING COVER at ₦4,000 per annum, you get paid up to:

• ₦80,000 for Medical Expenses
• ₦200,000 for Permanent Disability
• ₦200,000 for Death
• ₦70,000 for Third Party Liability
• ₦20,000 Repair Assistance (Owned damage)

CARRY-GO COVER at ₦3,400 per annum, you get paid up to:

• ₦75,000 for Medical Expenses
• ₦150,000 for Permanent Disability
• ₦150,000 for Death
• ₦65,000 for Third Party Liability
• ₦15,000 Repair Assistance (Owned damage)

JEJE COVER at ₦2,300 per annum, you get paid up to:

• ₦50,000 for Medical Expenses
• ₦100,000 for Permanent Disability
• ₦100,000 for Death
• ₦50,000 for Third Party Liability
• ₦10,000 Repair Assistance (Owned damage)

GOKADA-JEJE COVER at ₦2,000 per annum, you get paid up to:

• ₦50,000 for Medical Expenses
• ₦100,000 for Permanent Disability
• ₦100,000 for Death
• ₦50,000 for Third Party Liability
• ₦10,000 Repair Assistance (Owned damage)

Every job/occupation has its peculiar risks. Most common is the risk of accident – from minor to fatal. When accident happens, it could lead to medical expenses, permanent disability or death. Raising funds to take care of emergency situation resulting from accident is sometimes a very challenging task for most people.

Aside from accident, individuals are sometimes held legally liable for their negligent, unintentional actions or actions of their children or other relatives, whether at home or outside the home, which could result in bodily injury of persons or loss/damage to their property.

Everyone therefore needs to guard ourselves with Uni-Personal Cover in case any of this situation arises. With Uni-Personal Cover, you can work, live, play and travel with great confidence.

Uni-Personal Cover is combined Personal Accident (PA) and Personal Liability (PL) insurance cover, just for you. Uni-Personal Cover is available in 4 unique Plans:

BRONZE @ ₦2,500 only per annum

• ₦50,000 for Medical Expenses
• ₦300,000 for Permanent Disability
• ₦300,000 for Death
• ₦200,000 for Personal Liability

SILVER @ ₦4,000 only per annum

• ₦100,000 for Medical Expenses
• ₦400,000 for Permanent Disability
• ₦400,000 for Death
• ₦250,000 for Personal Liability

GOLD @ ₦6,000 only per annum

• ₦150,000 for Medical Expenses
• ₦550,000 for Permanent Disability
• ₦550,000 for Death
• ₦350,000 for Personal Liability

DIAMOND @ ₦8,000 only per annum

• ₦200,000 for Medical Expenses
• ₦850,000 for Permanent Disability
• ₦850,000 for Death
• ₦500,000 for Personal Liability

But what happens to their education if their Parents or Guardians dies of suffers permanent disability as a result of an accident?

This product - School Fees Protection Plan, is specially designed to provide timely compensation when the need arises to ensure children of the insured parents remain in school in case the death or permanent disability of the insured Parent or Guardian. This will help the children achieve their future dreams.

At Universal Insurance Plc we believe that children’s education should not be hindered “no matter what happens” to their parents or Guardians. This way, we support and help children achieve their career dreams and become better citizens and responsible future leaders.

WHAT ARE THE COVERS & BENEFITS?
School Fees Protection Plan provides payment of school fees to the named Beneficiary (or Guardian, Trustee or School in case of a minor) of the insured parent/Guardian in event of the following occurring:

• Permanent disability resulting from an accident, and
• Death

Depending on the level of fees charged by the Child/Ward’s School, the benefits payable to the Beneficiary are designed to cover:

• Tuition fees
• Books
• Feeding
• Excursion/Extra-curricula activities
• Accommodation (Secondary)

This product has 5 Plans according to the sums insured (i.e. Benefits payable) from which you can chose from:

• Bronze: ₦300,000.00
• Silver: ₦400,000.00
• Gold: ₦500,000.00
• Diamond: ₦700,000.00
• Platinum: ₦1,000,000.00

HOW MUCH DOES IT COST?
The Annual Premiums (Amount payable yearly) according to the plan type are:

• Bronze: ₦3,000.00
• Silver: ₦4,000.00
• Gold: ₦5,000.00
• Diamond: ₦7,000.00
• Platinum: ₦10,000.00

The cover can be arranged on a Single Shipment or as an Open cover for all shipments, in any one –year. It can also be arranged to cover either total losses or partial losses. (i.e. Institute Cargo Clause A and C). The premium rate will depend on the type of goods in question and the volume of importation in any one year.

Exclusions

The exclusions associated to this class of insurance are expressly contained in Institute cargo clauses (ICC).

The exclusions are contained under sections 4–7 of ICC (i.e. institute cargo clauses).

• Loss, damage expense attributable to willful misconduct of the Assured.
• Ordinary leakage, ordinary loss in weight or volume or ordinary wear and tear of the subject matter insured.
• Loss, damage or expense caused by inherent vice or nature of the subject matter insured.
• Loss damage or expense caused by insufficiency or unsuitability of packing or preparation of subject matter insured to withstand the ordinary incidents of the insured transit where such packing or preparation is carried out by the Assured or their employees or prior to the attachment of this insurance.

When fire outbreaks occur at business premises, people may get injured in the process of trying to save their goods. It also takes a long time to rebuild the damaged shopping plaza or complex due to financial implications or government intervention. When this happens, the traders always lose their prepaid rents.

It is in consideration of these risk exposures that this product, Shop Insure is designed to get the insured Shop Owners prepared against such occurrences and to pay them for loss/damage to their goods as well as pay for prepaid rents lost and also for medical expenses for the treatment of injury sustained by the insured person or his shop attendant during the incident.

Shop Insure pays you for:

• Goods lost or damaged by fire.
• Goods lost or damaged by thieves and robbers (Burglars).
• Rent lost for the period your shop was not in use as a result of the fire incident.
• Medical treatment for injury sustained during a fire or burglary or robbery incident at the insured premises.

Plan Types & Premiums

Shop Insure offers you four unique plans to choose from. You may request for a higher level of cover at an additional premium.

BRONZE With just ₦2,000, you get paid up to:

• ₦200,000 for damage by fire, explosion, lightning, and burst water pipes
• ₦200,000 for loss of damage by burglary
• ₦100,000 for loss of rent
• ₦50,000 for alternative accommodation

SILVER With just ₦3,000, you get paid up to:

• ₦300,000 for damage by fire, explosion, lightning, and burst water pipes
• ₦300,000 for loss of damage by burglary
• ₦150,000 for loss of rent
• ₦75,000 for alternative accommodation

GOLD With just ₦5,000, you get paid up to:

• ₦500,000 for damage by fire, explosion, lightning, and burst water pipes
• ₦500,000 for loss of damage by burglary
• ₦300,000 for loss of rent
• ₦100,000 for alternative accommodation

DIAMOND With just ₦9,000, you get paid up to:

• ₦1,000,000 for damage by fire, explosion, lightning, and burst water pipes
• ₦1,000,000 for loss of damage by burglary
• ₦400,000 for loss of rent
• ₦150,000 for alternative accommodation

We know that members of your Group or Association are involved in various kinds of occupation and activities and are therefore exposed to risks in their day-to-day activities. The most common of these risks is accident which could result in bodily injury, disability or death.

When a member of a Group or Association or their relative is involved in an accident, death or other problems that require a significant amount of money, they run to the Group/Association for help. Group/Associations offer great support at time like this and this can put pressure on their finances. At times, members’ contributions are sought. If in the process of raising funds and there is long delay in getting access to medical treatment, it puts the victims life at great risk.

This product designed to provide the required funds and reduce the financial burden of Groups/Associations always having to rescue their members from the above situations by subscribing to this policy and/or encouraging their members to take up the Family Cover also.

Uni-Group Cover is available in 4 unique Plans noted below. The benefit under each Plan is per member

. BRONZE @ ₦3,900 only per member/annum

• ₦100,000 for Medical Expenses
• ₦500,000 for Permanent Disability
• ₦500,000 for Death
• ₦250,000 for Funeral Expenses

SILVER @ ₦5,400 only per member/annum

• ₦150,000 for Medical Expenses
• ₦600,000 for Permanent Disability
• ₦600,000 for Death
• ₦300,000 for Funeral Expenses

GOLD @ ₦6,900 only per member/annum

• ₦200,000 for Medical Expenses
• ₦750,000 for Permanent Disability
• ₦750,000 for Death
• ₦350,000 for Funeral Expenses

DIAMOND @ ₦8,800 only per member/annum

• ₦250,000 for Medical Expenses
• ₦1,000,000 for Permanent Disability
• ₦1,000,000 for Death
• ₦500,000 for Funeral Expenses

Some of these goods/parcels can be damaged or lost while being transported due to accident, armed robbery, storm or flood.

The unfortunate thing is that most people do not recover the value of their goods or get any form level of compensation if lost or damaged in while in transit. But with this product - Parcel Guard – you will loose nothing.

This product Parcel Guard is a single-transit insurance cover for goods/parcels.

It is designed for individuals, corporate organisations, courier companies, dispatch riders and transport operators.

Goods covered

• Domestic appliances & utensils
• General merchandise
• Tools and equipment
• Home & Office Furniture
• Clothing, Fashion & Textiles materials/accessories
• Canned/packaged/bagged foods
• Computer & electronic appliances
• Building materials excluding tiles and ceramic ware

Goods/Items NOT Covered

• Gas cylinders
• Chemicals
• Explosive materials
• Ceramic tiles
• Glass ware
• Letters, cheques, bank drafts, stamps
• Jewelry
• Art work
• Perishable goods

Value of the Goods/Parcel to be Transported	Premium Amount
10,000 - 100,000	500
100,001 - 200,000	1000
200,001 - 300,000	1500
300,001 - 400,000	2000
400,001 - 500,000	2500
500,001 - 600,000	3000
600,001 - 700,000	3500
700,001 - 800,000	4000
800,001 - 900,000	4500
900,001 - 1,000,000	4800
1,000,001 - 1,100,000	4950
1,100,001 - 1,200,000	5400
1,200,001 - 1,300,000	5850
1,300,001 - 1,400,000	6300
1,400,001 - 1,500,000	6750
Above 1,500,000	0.4% of Value

All drivers are exposed to the risk of accident, not necessarily because they are careless or reckless, but because accidents sometimes occur due to the recklessness of other road users or various other reasons. When an accident occurs, the Driver as well as others persons may:

• sustain injury that needs medical treatment.
• not be able to walk or work again (i.e. permanent disability) after the treatment.
• die and this makes his family, especially his children to suffer.
• hit another road user and cause injury to them or damage to their property which he will be asked to pay.

Some drivers usually find it very difficult to raise money to take care of the challenges arising from an accident. Therefore, every driver, whether corporate, private or commercial driver needs Driver’s PASS to protect him against the consequences of an accident.

The premium (Amount) you pay depends on the Plan you choose. Below are 3 types of Plan you can choose from.

CORPORATE DRIVER COVER at ₦4,000 per annum, you get paid up to:

• ₦150,000 for Medical Expenses
• ₦300,000 for Permanent Disability
• ₦300,000 for Death
• ₦100,000 for Personal Liability

PERSONAL DRIVER COVER at ₦3,500 per annum, you get paid up to:

• ₦150,000 for Medical Expenses
• ₦200,000 for Permanent Disability
• ₦200,000 for Death
• ₦100,000 for Personal Liability

TAXI & BUS DRIVER COVER at ₦3,300 per annum, you get paid up to:

• ₦100,000 for Medical Expenses
• ₦200,000 for Permanent Disability
• ₦200,000 for Death
• ₦100,000 for Personal Liability

TRUCK DRIVER COVER at ₦3,500 per annum, you get paid up to:

• ₦100,000 for Medical Expenses
• ₦250,000 for Permanent Disability
• ₦250,000 for Death
• ₦100,000 for Personal Liability

They are hard-working, self-employed people who take care of their families. Every KEKE Rider is exposed to the risk of accidents, not necessarily because they are careless or reckless, but because accidents sometimes occur due to various other reasons. When an accident occurs, the most important thing is the life of the Okada Rider. Most times the KEKE Rider may:

• sustain injury that needs medical treatment.
• not be able to walk or work again (i.e. permanent disability) after the treatment.
• die and this makes his family, especially his children to suffer.
• hit another road user and cause injury to them or damage to their property which he will be asked to pay.

All these can be taken care by KEKE PASS. KEKE Pass means Personal Assurance & Safety Scheme (PASS) for KEKE Riders. This is a compensation plan for you in case of an accident. The premium (Amount) you pay depends on the Type of Plan you choose. Below are 4 types of Plan your can choose from.

CONFAAM COVER at ₦6,000 per annum, you get paid up to:

• ₦100,000 for Medical Expenses
• ₦250,000 for Permanent Disability
• ₦250,000 for Death
• ₦100,000 for Personal Liability
• ₦25,000 RepairAssist (Owned damage)
• ₦60,000 for Passengers Medical Expenses (Limit per passenger = N20,000)

NO-SHAKING COVER at ₦4,800 per annum, you get paid up to:

• ₦100,000 for Medical Expenses
• ₦250,000 for Permanent Disability
• ₦250,000 for Death
• ₦100,000 for Personal Liability
• ₦25,000 RepairAssist (Owned damage)

CARRY-GO COVER at ₦3,700 per annum, you get paid up to:

• ₦75,000 for Medical Expenses
• ₦200,000 for Permanent Disability
• ₦200,000 for Death
• ₦75,000 for Personal Liability
• ₦20,000 RepairAssist (Owned damage)

JEJE COVER at ₦2,600 per annum, you get paid up to:

• ₦50,000 for Medical Expenses
• ₦150,000 for Permanent Disability
• ₦150,000 for Death
• ₦50,000 for Personal Liability
• ₦15,000 RepairAssist (Owned damage)

They are hard-working, self-employed people who take care of their families. Every KEKE Rider is exposed to the risk of accidents, not necessarily because they are careless or reckless, but because accidents sometimes occur due to various other reasons. When an accident occurs, the most important thing is the life of the Okada Rider. Most times the KEKE Rider may:

• sustain injury that needs medical treatment.
• not be able to walk or work again (i.e. permanent disability) after the treatment.
• die and this makes his family, especially his children to suffer.
• hit another road user and cause injury to them or damage to their property which he will be asked to pay.

All these can be taken care by KEKE PASS. KEKE Pass means Personal Assurance & Safety Scheme (PASS) for KEKE Riders. This is a compensation plan for you in case of an accident. The premium (Amount) you pay depends on the Type of Plan you choose. Below are 4 types of Plan your can choose from.

CONFAAM COVER at ₦7,500 per annum, you get paid up to:

• ₦100,000 for Medical Expenses
• ₦250,000 for Permanent Disability
• ₦250,000 for Death
• ₦100,000 for Personal Liability
• ₦25,000 RepairAssist (Owned damage)
• ₦60,000 for Passengers Medical Expenses (Limit per passenger = N20,000)

NO-SHAKING COVER at ₦6,300 per annum, you get paid up to:

• ₦100,000 for Medical Expenses
• ₦250,000 for Permanent Disability
• ₦250,000 for Death
• ₦100,000 for Personal Liability
• ₦25,000 RepairAssist (Owned damage)

CARRY-GO COVER at ₦5,200 per annum, you get paid up to:

• ₦75,000 for Medical Expenses
• ₦200,000 for Permanent Disability
• ₦200,000 for Death
• ₦75,000 for Personal Liability
• ₦20,000 RepairAssist (Owned damage)

JEJE COVER at ₦4,200 per annum, you get paid up to:

• ₦50,000 for Medical Expenses
• ₦150,000 for Permanent Disability
• ₦150,000 for Death
• ₦50,000 for Personal Liability
• ₦15,000 RepairAssist (Owned damage)