In order to ensure the success of the ECOWAS Brown Card Insurance Scheme, the Brown Card is now automatically included in all motor insurance policies issued in Nigeria, regardless of the type of coverage, says the National Insurance Commission (NAICOM).
Nigeria’s Commissioner for Insurance and Chief Executive of NAICOM, Mr. Olusegun Omosehin, who stated this at the first zonal meeting of the ECOWAS Brown Card on Friday in Abuja, also highlighted other new initiatives introduced by Nigeria to make the scheme successful.
He said that the automatic inclusion of the Brown Card in all motor insurance policies ensures that cross-border coverage is accessible and seamless for all categories of motorists, reinforcing the Scheme’s universality and inclusiveness.
The theme of the meeting was: “50 Years of Sub-Regional Integration: Contribution of the ECOWAS Brown Card Insurance Scheme to the Mechanism of Free Movement of People, Goods and Services within the Sub-region.”
As the national enforcement of Motor Insurance commenced in Nigeria on February 1, 2025, to ensure all motorists carry valid motor insurance policies, he affirmed that this development, enforced in collaboration with security agencies and transport regulators, directly complements the objectives of the Brown Card Scheme, ensuring that insured motorists on Nigerian roads are also compliant with ECOWAS regulations.
Speaking on the digitalisation of insurance operations, the NAICOM boss informed that Nigeria is making significant investments in the digital transformation of the insurance ecosystem, supporting real-time validation of motor insurance, automated claims tracking, and improved transparency. He added that “These innovations enhance the efficiency of Brown Card operations, ensuring a better user experience for motorists, law enforcement, and border officials”.
Omosehin also said that the Nigerian National Bureau has developed a well-structured process for managing claims involving Nigerian motorists, both as issuing and handling Bureau, stressing that “This includes enhanced communication with insurers, a fast-tracked internal validation system, and increased accountability across all claims touchpoints”.
Besides, he pointed out that national campaigns and sensitisation efforts have been launched to educate motorists, border officials, transport unions, and the insuring public on the relevance, benefits, and obligations under the Scheme, noting that “This helps build understanding and reinforces compliance from the ground up”.
Omosehin emphasised that “these efforts, taken together, affirm Nigeria’s deep-rooted commitment to the sustainability and modernisation of the ECOWAS Brown Card Scheme”.
As a regulator and as a representative on the Executive Committee of the
Council of Bureaux, the NAICOM boss maintained that “the Scheme remains a unique and irreplaceable instrument in our regional integration toolbox”.
As the various representatives proceed with the legal deliberations at the meeting, he urged them to always remember that their policies ultimately serve people: families, transporters, travellers, and communities whose lives are impacted daily by their work.
Apart from evaluating the technical texts of the ECOWAS Brown Card, he enjoined them to also reimagine a more agile, inclusive, and forward-thinking Brown Card Scheme, one that aligns with the future of African integration.