What is ETAP and how does it work?

ETAP is a digital insurtech platform that provides car insurance for vehicles like private cars, motorcycles, buses, rickshaws, ride-hailing, taxis, SUVs, and ambulances. It works by allowing users to purchase coverage in 90 seconds using their vehicle plate number via a web app, with flexible monthly payments, hitch-free claims on third-party and comprehensive policies, and features like safe driving rewards.

What countries does ETAP operate in?

ETAP operates in Nigeria across 12 states and in Ghana through a partnership with Hollard Insurance Ghana. It plans to expand into other African countries like Cote d’Ivoire.

How do I sign up for ETAP ?

Visit etapinsure.com, enter your vehicle plate number, and complete the purchase in 90 seconds with no paperwork required. You can choose flexible payment options like per trip, daily, monthly, or yearly.

Does ETAP have a mobile app?

Yes, ETAP is available on iOS and Android. You can download ETAP on the App Store for iPhone, or get it on Google Play for Android.

Who is ETAP best suited for?

ETAP is best suited for individual car owners and drivers in Nigeria and Ghana who want quick, flexible car insurance with easy claims and safe driving rewards.

ETAP

🇳🇬 Nigeria 🇬🇭 Ghana

A digital car insurance platform for drivers and fleets in Nigeria and Ghana, offering 90-second policy purchase, pay-monthly plans, driving insights, and fast claims.

Use it on:Web Android· 4.7 iOS· 5.0

Is ETAP right for you?

Best for

Car owners
Fleet operators
Pay monthly drivers
Fast policy buyers
Plate number buyers

What it does well

90-second purchase
Plate number checkout
Monthly payment plans
Driving insights
Fast claims

Things to check

Cover types offered
Claims process steps
Monthly plan terms
Fleet tools depth
Rewards details

ETAP is a digital car insurance platform for individual drivers and businesses that want to buy and manage vehicle insurance quickly using a vehicle plate number.

Key capabilities include:

90-second cover purchase on the web (no app required) or via mobile app, using plate number details for eligible vehicles such as private cars, motorcycles, buses, rickshaws, ride-hailing vehicles, taxis, SUVs, and ambulances
Flexible coverage and payments, including short-term cover (1 to 28 days), annual options, and pay-monthly subscriptions, with support for third-party and comprehensive policies
In-app claims with a guided flow, where verified claims are processed within 3 minutes for third-party and comprehensive policies
Driving Insights (telematics) that tracks behaviour such as acceleration, braking, coasting, and speeding to help users improve driving habits, plus Safe Driving Points that can be redeemed for vouchers (including fuel and entertainment rewards)

Available on Web, Android, and iOS.

It serves B2C drivers who want quick, flexible car insurance and B2B fleet managers looking for an enterprise fleet solution.

Notable in West Africa, it operates under insurance regulation in Nigeria (NAICOM) and is licensed in Ghana (National Insurance Commission), selling policies via partners including AIICO Insurance Plc in Nigeria and Hollard Insurance Ghana Limited (as ETAP-Hollard) in Ghana.

As of Jun 29, 2026, ETAP is rated 5.0 on the App Store from 16 reviews and 4.7 on Google Play from 34 reviews with 5K+ installs.

Social Links:

Categories:

Fintech

Features & Business Model:

ai-powered b2b2c insurance loyalty-rewards