Police Crackdown on Third-Party Insurance Begins—Here’s What You Need to Know!

By Achimi Muktar

In a major move to enhance road safety, the police in Lagos and Kogi States have kicked off a strict enforcement of mandatory third-party insurance for vehicles, leaving drivers with no room for excuses. The directive, issued by Inspector-General of Police (IGP) Kayode Egbetokun, is set to have serious consequences for defaulters.

The police forces in both states have issued strong warnings to vehicle owners, urging them to comply immediately or face legal repercussions.

In Kogi, Commissioner of Police, Miller Dantawaye, made it clear that enforcement would be rigid and uncompromising. Speaking in Lokoja, Dantawaye stressed that the enforcement, which started on February 1, 2025, was aimed at enhancing road safety and ensuring that vehicle owners follow insurance regulations designed to protect both motorists and other road users. He warned that failure to comply would lead to legal consequences.

"We expect full compliance from Kogi motorists," Dantawaye said. "The regulations are in place for your safety and the safety of others. We urge all vehicle owners to cooperate with our officers to avoid unnecessary complications."

The police in Lagos have also joined the crackdown, with Commissioner of Police, Olanrewaju Ishola, announcing that enforcement would begin in the state on the same day. In a statement issued by the command’s spokesperson, Benjamin Hundeyin, Ishola emphasized that all vehicle owners in Lagos must have at least valid third-party insurance or face fines and penalties.

“The Nigeria Police Force is serious about enforcing this policy," Ishola warned. "Failure to comply will result in strict action. This is not just about adhering to regulations—it’s about protecting yourself and others on the road."

Ishola also gave clear instructions to officers, urging them to carry out the enforcement with professionalism, courtesy, and firmness. He made it clear that any form of mistreatment toward the public would not be tolerated, stressing that cooperation from motorists would make the process smoother for everyone involved.

This crackdown follows a growing concern over the number of uninsured vehicles on Nigerian roads, a risk to both drivers and pedestrians. With the police now actively policing the insurance policy, it’s a crucial reminder for vehicle owners in Lagos and Kogi to make sure their insurance papers are in order—before it's too late.