---
title: "Pay-U: Pay-Per-Minute Motor Insurance in Nigeria"
description: "Turn comprehensive car insurance on/off in Nigeria and pay from 70 kobo/min. Fund wallet from NGN 2,000; file claims in 3 mins; settle in 72 hrs."
canonical_url: "https://liners.com/pay-u"
markdown_url: "https://liners.com/pay-u.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/pay-u/screenshot.webp?v=1773358398840"
published_at: "2026-03-15T17:51:50.060Z"
updated_at: "2026-10-05T05:12:50.118Z"
---

# Pay-U: Pay-Per-Minute Motor Insurance in Nigeria

Turn comprehensive car insurance on/off in Nigeria and pay from 70 kobo/min. Fund wallet from NGN 2,000; file claims in 3 mins; settle in 72 hrs.

## Breadcrumbs

- [Insurtech](/categories/insurtech)
- [Pay-U](/pay-u)

## Summary

Comprehensive motor insurance you pay for by the minute

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://pay-u.io/ |
| Tagline | Comprehensive motor insurance you pay for by the minute |
| Primary country | Nigeria |
| Platforms | Android, Web, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

- [Insurtech](/categories/insurtech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Insurance](/tags/insurance): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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