Controversy Surrounds Lagos Police Enforcement of Mandatory Third-Party Insurance
A heated debate has erupted across Nigeria following the Lagos Police enforcement of mandatory third-party insurance, which began on February 1, 2025. The initiative, directed by the Inspector-General of Police (IGP), Kayode Egbetokun, aims to reinforce road safety measures by ensuring all vehicle owners comply with third-party insurance requirements.
Purpose and Penalties
The primary objective of this enforcement is to protect both vehicle owners and other road users in case of accidents. Defaulters face fines, with reports suggesting penalties of up to ₦250,000. This strict enforcement approach has sparked a mix of reactions from the public and media.
Public and Media Reaction
Supporters view this enforcement as a step towards better road safety and compliance with existing laws. They acknowledge the importance of third-party insurance in providing financial protection against road accidents involving third parties.
Critics, however, are concerned about the potential for police extortion. Posts on X and various news sources have highlighted fears that this enforcement could be misused by officers to harass or extort money from vehicle owners, especially given past instances of such behavior.
Legal Debate
A legal debate has also surrounded the enforcement, with some questioning whether the police have the legal power to enforce insurance policies. An Ibadan-based lawyer, Barrister Abiodun Amole, has publicly questioned the police’s jurisdiction in this matter, citing the Police Act.
Implementation in Lagos
Enforcement activities have been reported in high-traffic areas such as Oshodi Expressway, Maryland, and Allen Avenue in Lagos. The Lagos State Police Command has emphasized professionalism in the enforcement process, directing officers to be courteous but firm.
Broader Implications
This enforcement is not limited to Lagos, as it’s a nationwide initiative. This could have a broader impact on how vehicle insurance is perceived and managed across Nigeria. The insurance industry may also see a surge in third-party insurance purchases, potentially benefiting insurance companies but also raising questions about the readiness of the insurance sector to handle such a sudden increase in demand.
While the intent behind the enforcement of mandatory third-party insurance is to enhance road safety, the execution and potential for misuse by law enforcement have stirred significant debate. This situation underscores the need for clear guidelines, transparency in enforcement practices, and perhaps, legislative clarity on the roles of different agencies in insurance compliance.
