Get a personal accident quote

Quoting as Fasasi Kaseem +234 818 835 0000 · [email protected]

Step 1

What kind of cover do you need?

Personal accident comes in a few shapes. Most people want Individual cover; businesses and transport operators have their own options.

Individual PA Most popular Just me Round-the-clock accident cover for one person, anywhere in the world. Group PA My team / staff Cover for SME & corporate employees under one policy. Easy admin, group rates. Passenger Accident Paying passengers For operators of registered transport — buses, taxis, boats. Intercity Accident Regular road travel Cover for frequent intercity travellers on Nigerian roads.

Step 2

About you.

For personal accident, what you do for a living matters more than your age — riskier work means a higher premium for the same payout.

Your occupation

Date of birth

Cover is available from age 18 to 70.

Which best describes your work?

Class 1 — Office / professional Accountant, teacher, banker, doctor (non-surgical), civil servant, IT, admin Class 2 — Supervisory / light field Site supervisor, sales rep, surveyor, engineer (site visits), trader Class 3 — Skilled manual Electrician, plumber, mechanic, driver, factory operative, artisan Class 4 — Hazardous Offshore / rig worker, miner, welder at height, security with arms, pilot

Step 3

Choose your cover level.

The number that matters is the sum insured — what gets paid if something happens. Premiums shown reflect your occupation class. Most people pick Silver.

Bronze Entry-level Essential protection Est. annual premium ₦— base ₦5,000 / yr Death ₦1,000,000 Disability ₦1,000,000 Weekly ₦10,000 / wk Medical ₦100,000

Accidental death benefit
Permanent disability benefit
Temporary disablement — weekly cash benefit
Accident medical-expense reimbursement

Best for: Individuals wanting affordable baseline accident cover. Silver Most popular The balanced choice Est. annual premium ₦— base ₦12,000 / yr Death ₦3,000,000 Disability ₦3,000,000 Weekly ₦25,000 / wk Medical ₦300,000

Triple the Bronze sum insured
Higher weekly benefit during recovery
Worldwide cover, 24/7
Funeral expense benefit included

Best for: Working adults & breadwinners who need meaningful cover. Gold Best cover Maximum security Est. annual premium ₦— base ₦24,000 / yr Death ₦7,500,000 Disability ₦7,500,000 Weekly ₦50,000 / wk Medical ₦750,000

Highest sum insured in the range
Generous weekly & medical benefits
Worldwide cover incl. sports & travel
Priority claims handling & case manager

Best for: High earners & sole breadwinners protecting dependants.

Step 4

Who receives the benefit?

If the worst happens, the lump sum is paid to your named beneficiary. This is required — choose someone you trust.

Beneficiary full name

Relationship

Beneficiary phone number

+234

Optional add-ons

Family extension +₦6,000 Extend accident cover to a spouse and children at a reduced rate. Sports & adventure rider +₦4,500 Covers amateur sports — football, gym, hiking, recreational diving. Income-protection top-up +₦7,500 Doubles the weekly cash benefit while you recover and cannot work.

Your estimated total ₦12,000 / year

Why PA

The gap health cover leaves

Health insurance pays the hospital. Life cover pays only on death. Personal accident pays you a lump sum for the injury itself — to replace lost income, adapt your home, or simply stay afloat while you recover.

Lump sum on death or permanent disability
Weekly cash while you can't work
Medical costs reimbursed for accidents
Pays on top of health & life cover

Covering a team or fleet?

For Group PA (staff schemes), Passenger or Intercity cover for transport operators, message Wura — we tailor group rates and handle the schedule of insured persons.

Chat with Wura

Frequently asked

How is this different from health insurance?

Health insurance pays the hospital for treatment. Personal accident pays you a cash lump sum for the injury itself — regardless of treatment cost — plus a weekly benefit while you can't work. The two complement each other.

Why does my job affect the price?

Personal accident risk is driven by what you do day-to-day. An office worker (Class 1) faces far fewer accident risks than an offshore welder (Class 4), so the same payout costs more for higher-risk work. Be accurate — a wrong occupation class can void a claim.

Does it cover me outside Nigeria?

Yes — cover is 24/7 worldwide. Whether the accident happens at home, at work, on a Nigerian road, or while you're travelling abroad, the policy responds.

What is the "weekly benefit"?

If an accident temporarily stops you working, the policy pays a fixed weekly cash sum (e.g. ₦25,000/week on Silver) for the recovery period, up to a policy limit. It's income replacement while you're off your feet.

What's excluded?

Common exclusions: self-inflicted injuries, injuries from criminal acts, professional sports (unless the sports rider is added), and illness or pre-existing conditions (PA covers accidents, not sickness). Your policy document lists the full set.