Breet — Crypto & Stablecoins Payment API for African Businesses 
100% match
Insure your devices against accidental damage for less
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.
Pay-U Product Overview
Is Pay-U Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian vehicle owners
- Pay as you drive
What It Does Well
- Pay per minute cover
- In app cover toggle
Things to Check
- Claim payout timelines
- Cover limits
About Pay-U
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 and iOS.
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.
Pay-U Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataOperates In
Official Links
Pricing & Fees
From NGN 0.7 per minutePay-as-you-use comprehensive motor insurance from ₦0.70 per minute. The exact per-minute rate varies based on vehicle value; a minimum wallet funding amount of ₦2,000 applies.
As of Oct 5, 2026, Pay-U is rated 4.5 on the App Store from 2 reviews and 3.7 on Google Play from 78 reviews with 10K+ installs.
Recent Reviews for Pay-U
Reviews reflect each reviewer's opinion. Companies cannot pay to alter or remove reviews. A verified review includes proof that Liners checked to an extent. Learn how reviews work0 reviews
5-star
0%
4-star
0%
3-star
0%
2-star
0%
1-star
0%
No reviews yet. Be the first to review this product.
Pay-U Founders & Leadership Team
Liners compiles leadership profiles from official company pages, professional profiles, and trusted public sources. We refresh them as teams change. How we source dataFrequently Asked Questions About Pay-U
Pay-U is a usage-based motor insurance app in Nigeria that offers pay-per-minute comprehensive auto insurance for individual vehicle owners. It lets users fund an in-app wallet (minimum NGN 2,000) and activate or pause insurance coverage from the app depending on when the vehicle is in use.
Pricing can start as low as 70 kobo per minute, making it suited to drivers who want flexible costs instead of fixed monthly or annual premiums.
Pay-U operates in Nigeria.
Yes, Pay-U is available on Android and iOS.
You can contact Pay-U support by emailing hello@pay-u.io.
Is Pay-U Your Product?
Claim this listing to keep its information fresh and reply to reviews.
Promptmonitor
Promptmonitor — Track, measure, and improve how AI recommends your brand.