Pay-U
A pay-per-minute comprehensive motor insurance app for vehicle owners in Nigeria, with in-app on/off control, wallet funding, and fast claims submission.
Is Pay-U right for you?
Best for
- Nigeria car owners
- Pay as you drive
- Short trip drivers
- Multiple car households
- Budget tracking drivers
What it does well
- Pay per minute cover
- In app on off
- Wallet top ups
- Comprehensive cover
- Fast claim submission
Things to check
- Eligible vehicle types
- Cover start rules
- Claim turnaround time
- Required documents
- Wallet funding methods
PAY-U is a pay-per-minute comprehensive motor insurance app for vehicle owners in Nigeria who want coverage they can turn on only when needed.
Key capabilities include:
- Pay per minute for comprehensive motor insurance, with pricing starting as low as 70 Kobo per minute.
- In-app control to switch insurance on or off based on when the vehicle is in use.
- Quick claims filing in about 3 minutes by submitting photos and videos of the affected vehicle plus a few details.
- Claim settlement turnaround of within 72 hours for approved claims.
The app uses a wallet model; users must fund the wallet with a minimum of NGN 2,000 to use the service. Coverage includes riders for strict riot and civil commotion, excess buy-back, flood, and malicious attack.
Available on Android.
Built for individual vehicle owners in Nigeria looking for flexible, usage-based comprehensive motor insurance.
Notable in the Nigerian insurance market for offering minute-based activation and stating that it is backed by Sovereign Trust Insurance PLC, which addresses a common concern about claim payment reliability.
As of Jun 22, 2026, Pay-U is rated 3.7 on Google Play from 76 reviews with 10K+ installs.
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