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Using technology, we are on a mission to make vehicle insurance easily accessible and affordable to Nigerians. Now you can spread payments of your insurance premium (in months) instead of the annualized plan.
Obtain a cover on your vehicle in minutes and if anything goes wrong, we ensure a fast payout.
Manage (buy and make claims) your vehicle insurance policies 100% online.
No hidden costs, your premium is decided solely on your chosen cover and cost of vehicle.
Buy your vehicle insurance now and pay later. We instantly pay the insurer your premium, while you pay us back in instalments.
Instant everything; Insurance cover, finance, claims
Why Choose Us
We have partnered with one of the best Insurance brokerage firm in Nigeria (YOA Insurance Brokers) to offer you a dependable and customer centric insurance brokerage service
Apply in a few minutes online no more repeated calls to agents before getting your vehicle documents processed
Copies of your policy documents are emailed within 24 hours of purchase and hard copies will be delivered to your doorstep within 72 hours (applicable to Lagos residents alone)
Our service is available all year round and everywhere provided you are connected to internet. Also, be assured of a great customer service, anytime you decide to get in touch
Our unique offering means you can purchase your car insurance and spread your premium payments for up to 6 months with our zero interest loans
AEarn money anytime you purchase your car insurance, repay instalments on time and give referrals. Earned points will be converted to cash
All your data and information provided on Zennal App & website is safe and encrypted using SSL technology
Our technology means no more paying an insurance agent. If you ever need to buy a car insurance, it’s all online, instant and no admin or processing fees. You only pay for your premium based on the value of your car
Claims are settled promptly once every necessary information are provided
We determine your eligibility to purchase your car insurance via loan within minutes
What you will Get
In cases where your car accidentally damages someone’s car or property and/or injury to others, compensation payout is covered by our partners.
if you car is accidentally damaged by fire, civil commotion, riots or unfortunately stolen, our partners will cover the costs of getting it fixed or replaced.
Vandalism happens, accident happens. If your car is damaged as a result of any of these, our partners will get it fixed or replaced.
In cases where your car accidentally damages someone’s car or property and/or injury to others, compensation payout is covered by our partners.
Driving with a damaged windscreen is prohibited in Nigeria. So keep an eye for cracks if it needs fixing or replacement. You will pay a small excess (if you don’t have a excess buy-back clause) and our partners (the insurers) will cover the rest.
To keep you mobile if your Vehicle is not available as a result of accident, an amount is made available to you for a limited number of days for you to arrange for an alternative car (this is dependent on purchased plan).
If there is a vehicle accident and unfortunately, it leads to death or disability of the owner.
How It Works
Click on “My Account” on the Zennal Website
Simply provide us with your vehicle details
Make full payment for your vehicle documents via our secured platform
your personal details will be needed to determine your eligibility for this loan
We will review your application and let you know our decision on loan application
If not eligible to access loan, you will be required to make full payment to continue with your request
Accept the loan amount and repayment terms
When your loan is approved, you will make an instant equity payment to continue the process (a proportion of the amount charged)
Your policy certificate will be sent to you via e-mail and a copy is available on your MyZennal Account. You can equally request for
How To Make Claims For Your Car Insurance Through Zennal
Log on to your “MyZennal Account.
Click on Claims, complete the form by providing all the necessary information.
No hidden costs, your premium is decided solely on your chosen cover and cost of vehicle.
| Benefits | Third-Party | Enhance Third-Party | Comprehensive |
|---|---|---|---|
| Damages/Losses to own car due to an accident | |||
| Damages/Losses to own car in case of fire | |||
| Damages/Losses to own car in case of a natural calamity | |||
| Damages to Third-Party Vehicle | |||
| Damages to Third-Party Property | |||
| Personal Accident Cover | |||
| Injuries/Death of a Third-Party Person | |||
| Own Accidental Damage | |||
| Theft of your car | |||
| Permanent Disability Benefit | |||
| Towing Vehicle Benefit | |||
| Vehicle Tracker | |||
| Insured Medical Liability | |||
| Replacement Vehicle | |||
| Authorized Repair (up to 5% of Sum Insured) | |||
| Flood and Storm |
Compare
The main difference between third-party and comprehensive insurance is the kind of coverage it offers. While a Third-Party insurance only covers you against third-party damages and losses, a comprehensive car insurance will cover for your own damages as well.
To protect you from both hefty fines, damages and losses that could arise due to unforeseen circumstances such as accidents, collisions, floods, theft, et al, it’s important to understand the difference between a comprehensive car insurance and third party car insurance and accordingly decide on what will suit you and your car better.
Choosing the right kind of insurance for your vehicle is a critical decision to make. A basic insurance that covers for third party is a minimum required by law in Nigeria. Not having one can lead to traffic violations and can even lead to your car being impounded by law enforcement agents.
Get the answers you need
If you already have an existing third-party car insurance with us or another insurer, you can go for an own damage car insurance policy to protect your own car too from damages.
Comprehensive Insurance covers your car in the event of unforeseen circumstances. Please refer to “compare plans” for details on the coverage available of your chosen plan.
This is dependent on the type of vehicle documents you have requested for. You have the liberty to choose the documents you want just by a click and an aggregate cost will be displayed.
The coverage on every purchased car insurance policy in Nigeria is one (1) year. Once this end, you are expected to purchase another policy to keep enjoying coverage
Taking a comprehensive car insurance cover is always advisable as it provides complete protection of not only someone else’s car like a Third-Party car insurance, but also the Own damages to your car, as well as any injury to the owner driver.
A premium is the recurrent fee you pay to an insurance company to keep your policy active and retain the ability to make a claim.
You can pay for your insurance in one of two ways: Annually - pay for your whole premium in one go. For this method, you'll need to fund your account with the amount equivalent to the premium and you will be debited (discounts applies) Monthly - pay for your premium every month over the year. For this method, you'll be able to use a debit card for the 30% upfront payment, and the remaining 70% will be paid via direct debit from a bank account. You can choose whether you would like to pay annually or monthly when you get your quote with us. More information about paying annually When do I have to pay if I choose to pay in one go? If you choose to pay annually, you'll be required to pay for your full premium in one go (discounts applies). You'll be taken to the payment page after you click Continue to buy. If your policy start date is in the future, you would pay your whole premium for the year on the day you buy your policy, not the day your policy starts. More information about paying monthly How does it work? If you choose to pay monthly, you will make a payment of 30% of your whole premium when you buy your policy while we pay the balance to the insurer on your behalf. Then, we will create a payment plan for you to pay us the remaining 70% over the rest of the year depending on the number of months chosen.
In a comprehensive car insurance policy, usually only the owner driver is covered in case of any personal accident. However, some of our plans cover passenger liability. If you want this extra cover, kindly purchase any of these plans
Amount payable as premium for your car insurance is determined based on the value of your car and the plan you choose. Different rates and benefits (coverage) applies to different plans. Please check “compare plans” for details on suitable plans that meets your appetite.
30 days after your policy start date. If your policy start date is the 1st January, you will pay 30% of your premium on 1st January and then your first monthly payment will be due on the 31st January.