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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.
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:
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 .
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 May 11, 2026, Pay-U is rated 3.7 on Google Play from 76 reviews with 10K+ installs.
DD Dave found 3 key people at Pay-U, including 2 Founder, and 1 C-Suite spread across 2 countries. See how we get product data
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