---
title: "PaddyCover: Embedded Insurance in Nigeria"
description: "Offer pay-as-you-go insurance in Nigeria with daily, weekly or monthly premiums via API, USSD, web flows or agents—car, health, travel and more."
canonical_url: "https://liners.com/paddycover"
markdown_url: "https://liners.com/paddycover.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/paddycover/screenshot.webp?v=1784413200467"
published_at: "2026-07-21T12:14:33.640Z"
updated_at: "2026-09-18T16:06:34.856Z"
---

# PaddyCover: Embedded Insurance in Nigeria

Offer pay-as-you-go insurance in Nigeria with daily, weekly or monthly premiums via API, USSD, web flows or agents—car, health, travel and more.

## Breadcrumbs

- [Insurtech](/categories/insurtech)
- [PaddyCover](/paddycover)

## Summary

Pay-as-you-go insurance with flexible instalments

An embedded insurance platform for insurers, agents, and digital partners in Nigeria that offers pay-as-you-go cover with monthly, weekly, or daily premium payments.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.paddycover.com/home |
| Tagline | Pay-as-you-go insurance with flexible instalments |
| Primary country | Nigeria |
| Platforms | Web, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

PaddyCover is an insurtech and embedded insurance distribution platform for insurers, aggregators, agents, and digital businesses that want to offer flexible, pay-as-you-go insurance to consumers in Nigeria.

Key capabilities include:
- **Installment-based premiums** that break insurance payments into smaller amounts (including **daily, weekly, and monthly** options) instead of lump-sum annual premiums
- **Multi-channel distribution** that supports selling and managing cover through **web flows**, **USSD**, and **physical agent** networks, plus partner-led aggregator channels
- **Insurer-agnostic API** for partners to configure and distribute bespoke insurance products and pay-as-you-go policy structures (public docs available via Postman)
- **Multiple personal and group product lines**, including **vehicle (car)**, **health**, **travel**, **home content**, **gadget**, **group life**, and **pet** cover

Available via **Web**, **USSD**, and **agent/aggregator channels**, with an API for partner integrations.

It primarily serves a **B2B2C** audience, including **NAICOM-approved insurers and underwriters**, lenders, digital platforms, customer aggregators, and insurance agents distributing cover to low- to medium-income consumers.

Notable in the Nigerian and wider African insurtech context for focusing on **embedded, flexible premium payments** and working in partnership with **NAICOM-approved insurers**, helping partners broaden insurance access through everyday digital and offline touchpoints.

## Features

- [Insurtech](/categories/insurtech): Category
- [Agent Network](/tags/agent-network): Product feature or technology
- [B2B2C](/tags/b2b2c): Product feature or technology
- [Insurance](/tags/insurance): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/paddycover/alternatives)
- [Reviews](/paddycover/reviews)
- [Transparency](/paddycover/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/paddycover)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)