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Is It Illegal to Not Have Insurance in Nigeria?

In Nigeria, many individuals and businesses often overlook the importance of insurance, questioning whether it is illegal to operate without it. As the country continues to evolve economically, the need for robust risk management solutions like insurance is more important than ever. But what does the law say about insurance? Is it illegal to not have insurance in Nigeria? To answer this, we need to explore the legal framework around insurance, the different types of insurance required by law, and how they impact individuals and businesses across the nation.

What Is Insurance?

Before diving deep into whether it is illegal to not have insurance in Nigeria, it’s crucial to understand what insurance actually is. Insurance is a financial arrangement that provides protection against financial loss or risk. It is an agreement where an individual or entity receives financial protection or reimbursement for specified losses from an insurance company in exchange for regular premium payments. There are various types of insurance available, ranging from health insurance and life insurance to automobile and property insurance.

Insurance serves to mitigate the financial burdens that arise due to unforeseen events such as accidents, illnesses, or natural disasters. Without insurance, individuals and businesses could face significant financial hardships if such events occur. For this reason, the role of insurance in Nigeria is paramount, and its legality and importance are governed by several laws.

Is It Illegal to Not Have Insurance in Nigeria?

The simple answer to this question is: It depends. The legality of not having insurance in Nigeria varies based on the specific type of insurance and the individual or business involved. While there are no blanket laws that require every Nigerian to have insurance, certain types of insurance are mandatory. Let’s explore which types of insurance are legally required in Nigeria.

Types of Insurance That Are Legally Required in Nigeria

There are a few types of insurance that are mandated by law in Nigeria. The legal requirements for these insurances are enforced to safeguard public interest, encourage financial security, and ensure that individuals and businesses are protected from risks that could potentially have significant social or financial consequences.

1. Third-Party Motor Insurance

One of the most common mandatory insurances in Nigeria is Third-Party Motor Insurance. According to the Nigerian Insurance Commission (NAICOM), it is a legal requirement for all vehicles in Nigeria to have at least third-party insurance coverage. This law is enforced under the Motor Vehicle (Third-Party Insurance) Act, which mandates vehicle owners to insure their vehicles to ensure compensation for damages caused to other people or their property in the event of an accident.

The law was implemented to safeguard the public from the financial burdens caused by accidents, ensuring that victims of road accidents receive compensation without undue financial burden. Failure to have this mandatory insurance could lead to fines, legal penalties, or even impoundment of the vehicle.

2. Employer’s Liability Insurance

Employers in Nigeria are required to provide insurance coverage for their employees, particularly for work-related injuries. This is in line with the Employee Compensation Act, which mandates that employers must take out insurance to cover their employees’ compensation in the event of workplace accidents or injuries.

The law protects workers from financial loss arising from work-related injuries, ensuring that employers contribute to the safety and well-being of their employees. This type of insurance is not optional for businesses with employees; it is a legal requirement that helps secure the livelihood of workers in Nigeria.

3. Group Life Insurance for Employees

Another mandatory insurance in Nigeria pertains to Group Life Insurance. According to the Pension Reform Act of 2014, every employer with more than five employees is required to provide a group life insurance policy for their workers. This insurance is designed to provide financial compensation to the families of employees who die in service.

The law requires employers to provide a sum insured that is at least three times the annual total emolument of each employee. Failure to comply with this law can result in penalties for the employer.

4. Health Insurance for Public Sector Workers

While private sector workers are not legally required to have health insurance, public sector workers are entitled to health coverage under the National Health Insurance Scheme (NHIS). This program provides access to healthcare services for public servants and their dependents.

While it is not compulsory for private citizens to join the NHIS, the government encourages broader participation in health insurance schemes to improve overall public health.

Consequences of Not Having Required Insurance in Nigeria

As previously mentioned, not all forms of insurance are compulsory in Nigeria. However, for the mandatory types, failing to comply with the legal requirements could result in several consequences. Here’s what could happen:

1. Legal Penalties and Fines

If an individual or business does not have third-party motor insurance, the consequences can include fines, vehicle impoundment, or even jail time in extreme cases. The Motor Vehicle (Third-Party Insurance) Act stipulates that a vehicle without insurance could face a fine of up to ₦250,000 or a jail term of up to one year. In addition, the driver could be liable for compensation to any party affected by an accident they cause.

2. Liability for Injuries and Damages

Without compulsory insurance like employer’s liability insurance, an employer could be held personally liable for accidents or injuries that occur on their premises. Employees who are injured at work without insurance coverage might find it difficult to receive compensation, potentially leading to expensive legal battles or personal financial ruin.

3. Difficulty in Accessing Government Services

Public sector workers who do not participate in health insurance programs like the NHIS might find themselves facing difficulties when accessing government healthcare services. Though participation in this program is not mandatory for private citizens, joining a health insurance scheme is highly recommended for individuals seeking to reduce out-of-pocket medical costs.

The Importance of Insurance in Nigeria

While it is not illegal to be without insurance for non-mandatory categories, the importance of insurance cannot be overstated. Insurance provides essential protection that safeguards both individuals and businesses from financial loss, especially in times of crisis.

Benefits of Having Insurance

  1. Financial Protection: Insurance ensures that you are financially protected in the event of a covered loss, whether it be an accident, illness, or damage to property.
  2. Peace of Mind: Knowing that you are covered in case of emergencies gives peace of mind and reduces stress.
  3. Compliance with the Law: By ensuring that you meet the legal insurance requirements, you avoid penalties and fines.
  4. Risk Mitigation: For businesses, insurance helps mitigate the risk of losses due to accidents, theft, or natural disasters, which can otherwise be devastating.

Frequently Asked Questions

1. Is It Illegal to Not Have Insurance in Nigeria?

Yes, it is illegal to not have certain types of insurance in Nigeria, depending on the circumstances. The Nigerian government mandates specific insurance policies to protect individuals and businesses from financial risks. For example, third-party motor insurance is required by law for all vehicle owners under the Motor Vehicle (Third-Party Insurance) Act. Similarly, employers must provide group life insurance and employee compensation coverage as stipulated by the Pension Reform Act of 2014 and the Employee Compensation Act.

However, not all types of insurance are mandatory. For example, personal health insurance, home insurance, and business insurance for private entities are not legally required but are strongly recommended to mitigate risks. Choosing not to have non-mandatory insurance does not violate any laws but leaves individuals and businesses vulnerable to significant financial losses in case of unforeseen events.

Failing to have mandatory insurance can lead to severe penalties, including fines, legal liabilities, or imprisonment. These requirements aim to protect public interests and ensure financial security for victims of accidents or other unforeseen incidents. It is crucial to understand Nigeria’s insurance laws to avoid legal repercussions and safeguard yourself against potential risks.


2. Is It Illegal to Drive Without Insurance in Nigeria?

Yes, it is illegal to drive without insurance in Nigeria. The Motor Vehicle (Third-Party Insurance) Act mandates that every vehicle on Nigerian roads must have at least third-party motor insurance coverage. This law ensures that in the event of an accident, the affected third party can receive compensation for damages to their property, injuries, or loss of life caused by the insured vehicle.

Driving without insurance is considered a serious offense. Law enforcement agencies routinely check for proof of insurance during road safety inspections. Failing to present valid third-party motor insurance can result in legal penalties, including fines, impoundment of the vehicle, or even prosecution.

The primary purpose of this requirement is to protect other road users and mitigate financial risks associated with accidents. Third-party motor insurance is generally affordable, making it accessible to most vehicle owners in Nigeria. To comply with the law, vehicle owners should ensure their policies are up to date and carry evidence of coverage at all times.

Driving uninsured not only violates Nigerian law but also exposes drivers to significant financial and legal risks. Obtaining and maintaining third-party motor insurance is both a legal obligation and a practical necessity for responsible vehicle ownership.


3. What Are the Penalties for Not Having Third-Party Insurance in Nigeria?

The penalties for not having third-party insurance in Nigeria can be severe, as this is a mandatory requirement under the Motor Vehicle (Third-Party Insurance) Act. The law enforces compliance to protect third parties from financial loss in the event of accidents caused by uninsured drivers.

One of the main penalties for failing to have third-party motor insurance is a fine, which can be as high as ₦250,000. Additionally, law enforcement officers may impound the uninsured vehicle, causing further inconvenience and costs to the owner. In some cases, the offender may face prosecution, leading to more significant financial or legal repercussions, including a possible jail term of up to one year.

Beyond these legal consequences, the uninsured driver is personally liable for any damages, injuries, or fatalities resulting from an accident they cause. This means they would have to pay out of pocket for repairs, medical bills, or compensation for the affected party.

To avoid these penalties and safeguard your finances, it is essential to comply with the legal requirement for third-party motor insurance. This affordable and accessible policy ensures legal protection and financial security in the event of an accident.


4. Are Private Businesses Required to Have Insurance in Nigeria?

Yes, certain types of insurance are mandatory for private businesses in Nigeria. The Employee Compensation Act and the Pension Reform Act of 2014 require employers to provide specific insurance policies for their employees. For instance, private businesses with more than five employees must have Group Life Insurance for their workers. This policy provides financial support to the families of employees in the event of death while in service.

Similarly, businesses are required to have Employer’s Liability Insurance, which covers compensation for employees who suffer injuries, disabilities, or death as a result of workplace-related incidents. This ensures that businesses protect their employees and comply with labor laws.

However, not all types of insurance are compulsory for private businesses. For example, business interruption insurance, property insurance, and professional indemnity insurance are not legally mandated but are highly recommended for financial risk management.

Failing to comply with mandatory insurance requirements exposes businesses to significant legal penalties, including fines and potential lawsuits. To avoid legal complications and ensure operational continuity, private businesses should adhere to the country’s insurance regulations and consider additional coverage to safeguard their operations.


5. Is Health Insurance Mandatory for Individuals in Nigeria?

No, health insurance is not mandatory for individuals in Nigeria. While the government encourages Nigerians to participate in health insurance programs, such as the National Health Insurance Scheme (NHIS), it is not legally required for private citizens. However, public sector employees are automatically enrolled in the NHIS to ensure access to basic healthcare services.

The NHIS aims to make healthcare more affordable and accessible by pooling resources through a contributory system. Although enrollment is not mandatory for private individuals, the benefits of health insurance, such as reduced out-of-pocket expenses and access to quality healthcare, make it a wise choice for many Nigerians.

In recent years, the Nigerian government has taken steps to encourage broader adoption of health insurance to improve the overall healthcare system. Some states have introduced localized health insurance schemes to extend coverage to residents.

While it is not illegal to lack health insurance in Nigeria, not having it could lead to significant financial strain in the event of a medical emergency. Individuals are encouraged to explore available health insurance options to protect themselves and their families from unexpected healthcare expenses.


6. What Types of Insurance Are Legally Required in Nigeria?

Nigeria mandates several types of insurance to protect public interests and ensure financial security. Here are the key categories of legally required insurance:

  1. Third-Party Motor Insurance: All vehicle owners must have third-party motor insurance under the Motor Vehicle (Third-Party Insurance) Act. This policy compensates third parties for damages, injuries, or loss of life caused by the insured vehicle.
  2. Employer’s Liability Insurance: Employers must provide coverage for employees against work-related injuries or accidents as stipulated by the Employee Compensation Act.
  3. Group Life Insurance: Employers with more than five employees are legally obligated to provide group life insurance coverage under the Pension Reform Act of 2014.
  4. Health Insurance for Public Workers: Public sector employees are enrolled in the National Health Insurance Scheme (NHIS) to ensure access to healthcare.

These mandatory insurances aim to protect individuals, businesses, and the public from financial risks. Compliance is essential to avoid legal penalties and safeguard against potential liabilities. While other forms of insurance, such as home or personal health insurance, are not compulsory, they are highly recommended for additional financial protection.


7. What Happens If I Don’t Have Insurance in Nigeria?

If you don’t have insurance in Nigeria for categories that are legally required, you risk facing severe legal and financial consequences. For instance, driving without third-party motor insurance could lead to fines, vehicle impoundment, or imprisonment. Additionally, employers who fail to provide mandatory employee insurance face legal penalties and lawsuits.

Beyond legal implications, not having insurance leaves you vulnerable to financial losses. For example, in the event of a car accident, an uninsured driver would bear the full cost of repairs, medical expenses, or compensation for injuries. Similarly, businesses without liability insurance might struggle to cover costs arising from workplace accidents or lawsuits.

In cases where insurance is not legally mandated, such as health or home insurance, the consequences of not having coverage are financial rather than legal. Without these protections, individuals and businesses face the risk of significant out-of-pocket expenses during emergencies.

To avoid these risks and ensure peace of mind, it is advisable to comply with mandatory insurance requirements and consider optional coverage for comprehensive protection.

8. Is It Legal to Own a Vehicle Without Insurance in Nigeria?

No, it is not legal to own and operate a vehicle in Nigeria without having third-party motor insurance. According to the Motor Vehicle (Third-Party Insurance) Act, all vehicle owners must have at least third-party motor insurance to drive on public roads. This law is enforced to protect other road users and ensure that victims of road accidents caused by insured drivers receive compensation for damages, injuries, or loss of life.

Owning a vehicle without this mandatory insurance can result in legal consequences even if the vehicle is not actively driven. Law enforcement agencies may request proof of insurance during inspections, and failure to provide this can lead to fines or vehicle impoundment.

It is important to note that third-party motor insurance is relatively affordable and easily accessible in Nigeria. Vehicle owners should ensure their insurance policies are valid and regularly renewed. While it is possible to own a vehicle for private use without active insurance (if it is parked or unused), attempting to drive it without the required coverage violates the law and can lead to severe penalties.


9. Can Employers Operate Without Providing Insurance for Their Employees in Nigeria?

No, employers cannot legally operate without providing certain types of insurance for their employees in Nigeria. The Employee Compensation Act requires all employers to have insurance coverage for work-related injuries or accidents. This ensures that employees are adequately compensated for injuries, disabilities, or fatalities arising from workplace incidents.

Additionally, under the Pension Reform Act of 2014, employers with more than five employees are obligated to provide Group Life Insurance. This policy guarantees financial benefits to the families of employees who die in service. Non-compliance with these laws exposes employers to legal penalties, fines, and potential lawsuits from employees or their families.

Beyond these legal obligations, offering insurance coverage promotes a safe and supportive work environment. It also helps employers avoid financial strain in the event of workplace accidents or employee claims. Employers are encouraged to work with licensed insurance providers to ensure compliance with Nigerian insurance laws and safeguard their businesses from potential liabilities.


10. Is It Illegal to Not Have Group Life Insurance in Nigeria?

Yes, it is illegal for employers with more than five employees to not have Group Life Insurance in Nigeria. This requirement is stipulated under the Pension Reform Act of 2014 and applies to all organizations, regardless of size or industry. The policy ensures that the family or dependents of an employee who dies in service receive financial compensation.

Failure to provide group life insurance for employees can result in significant penalties for employers, including fines, sanctions, or lawsuits. Non-compliance may also lead to reputational damage for the organization and reduced employee morale, as workers may feel unsupported or unprotected.

The group life insurance policy must provide a minimum coverage equivalent to three times the annual emolument of each employee. Employers should collaborate with licensed insurance companies to implement the required policies and ensure they are in compliance with the law.

Providing group life insurance is not only a legal obligation but also a demonstration of an employer’s commitment to employee welfare and family security. It helps employees feel valued and ensures their families are protected in the event of unforeseen circumstances.


11. Is It Necessary to Have Health Insurance Under the National Health Insurance Scheme (NHIS) in Nigeria?

Participation in the National Health Insurance Scheme (NHIS) is not mandatory for all Nigerians, but it is required for public sector employees. The NHIS provides access to affordable healthcare for government workers and their dependents, reducing the financial burden of medical expenses. Private citizens and employees in the private sector are not legally obligated to join the scheme, although it is strongly encouraged.

The NHIS was introduced to improve the overall healthcare system in Nigeria by promoting resource pooling and universal healthcare access. While participation is optional for many, state governments and private organizations increasingly offer localized health insurance programs to provide coverage for residents or employees.

Failing to participate in the NHIS or any other health insurance scheme is not illegal, but it leaves individuals exposed to high out-of-pocket expenses during medical emergencies. Public sector workers who are not enrolled may face challenges accessing government-subsidized healthcare services.

To reduce financial risks and gain access to quality healthcare services, individuals and families are encouraged to explore health insurance options. Joining the NHIS or other schemes ensures better health outcomes and financial protection during medical crises.


12. Are There Any Fines for Not Having Insurance in Nigeria?

Yes, fines are imposed for failing to have mandatory insurance in Nigeria. The specific fines depend on the type of insurance and the laws governing it. For instance, under the Motor Vehicle (Third-Party Insurance) Act, driving without third-party motor insurance can attract fines of up to ₦250,000. Additionally, law enforcement officers may impound the uninsured vehicle, and in extreme cases, the offender could face imprisonment.

Employers who fail to comply with mandatory insurance requirements, such as Group Life Insurance or Employer’s Liability Insurance, may face penalties, sanctions, or legal actions under the Pension Reform Act of 2014 and the Employee Compensation Act. These fines can be significant and may vary depending on the nature of the violation.

The purpose of these penalties is to enforce compliance and ensure that individuals and businesses take responsibility for protecting themselves and others from financial risks. To avoid fines and other legal repercussions, it is crucial to meet all mandatory insurance requirements and maintain valid policies at all times.


13. What Laws Govern Mandatory Insurance in Nigeria?

Several laws govern mandatory insurance in Nigeria, ensuring that individuals and businesses comply with specific requirements. The key legislations include:

  1. Motor Vehicle (Third-Party Insurance) Act: Requires all vehicle owners to have third-party motor insurance to cover damages or injuries to third parties caused by their vehicles.
  2. Employee Compensation Act: Mandates employers to provide insurance coverage for employees against workplace injuries or accidents.
  3. Pension Reform Act of 2014: Requires employers with more than five employees to provide group life insurance.
  4. National Health Insurance Scheme (NHIS) Act: Ensures health coverage for public sector workers and encourages broader participation in health insurance programs.

These laws are enforced by agencies such as the National Insurance Commission (NAICOM), which regulates the insurance industry in Nigeria. Failure to comply with these regulations can result in fines, legal actions, or other penalties.

Understanding these laws and their requirements is essential for both individuals and businesses to ensure compliance, avoid penalties, and protect themselves from financial risks associated with accidents or unforeseen events.

14. Can I Be Arrested for Driving Without Insurance in Nigeria?

Yes, you can be arrested for driving without insurance in Nigeria. Under the Motor Vehicle (Third-Party Insurance) Act, it is a legal requirement for every vehicle on public roads to have at least third-party motor insurance. This policy ensures that in the event of an accident, compensation is provided for damages or injuries caused to third parties.

Law enforcement agencies, including the Federal Road Safety Corps (FRSC), frequently conduct road checks to verify compliance with insurance regulations. If you are caught driving without valid insurance, you may face immediate arrest. Penalties for this offense include fines, vehicle impoundment, and in some cases, prosecution that could lead to a jail term of up to one year.

Arrest and other legal consequences are enforced to deter drivers from operating vehicles without proper coverage, which could leave victims of accidents uncompensated. To avoid such situations, ensure you have a valid third-party motor insurance policy and carry proof of insurance with you at all times. This not only keeps you compliant with the law but also protects you and other road users from financial and legal risks.


15. What Is Third-Party Motor Insurance in Nigeria, and Is It Mandatory?

Third-party motor insurance in Nigeria is a type of policy that covers damages, injuries, or death caused to third parties by an insured vehicle. It does not cover the policyholder’s vehicle or injuries but ensures that victims of accidents are compensated without financial burden on the at-fault driver. This insurance is a basic requirement under the Motor Vehicle (Third-Party Insurance) Act.

Yes, third-party motor insurance is mandatory for all vehicle owners and operators in Nigeria. This legal obligation applies to private and commercial vehicles, including motorcycles. The primary goal of this policy is to provide financial security to third parties and reduce disputes related to accident claims.

Failure to have third-party motor insurance is considered a violation of Nigerian law and can result in fines, vehicle impoundment, or legal action. Despite its legal requirement, third-party motor insurance is one of the most affordable insurance policies in Nigeria, making compliance relatively easy. Vehicle owners should prioritize obtaining and renewing this policy to ensure legal compliance and financial protection.


16. Is It Illegal to Not Have Insurance for My Business in Nigeria?

It is illegal for businesses in Nigeria to operate without certain types of insurance that are mandated by law. For example, employers are required to provide Group Life Insurance for employees under the Pension Reform Act of 2014 and Employer’s Liability Insurance under the Employee Compensation Act. These policies protect employees and ensure that their families are compensated in cases of death, injury, or workplace accidents.

Failing to meet these insurance requirements can lead to penalties, including fines, legal sanctions, and potential lawsuits from employees or their dependents. These legal obligations apply to businesses across various industries, especially those employing five or more workers.

While not all insurance types are mandatory for businesses, optional policies such as property insurance, business interruption insurance, and professional indemnity insurance are highly recommended. These coverages provide additional protection against unforeseen financial losses.

To comply with Nigerian laws and safeguard business operations, employers should work with licensed insurance providers to implement both mandatory and optional insurance policies. This ensures legal compliance and demonstrates a commitment to employee welfare and business sustainability.


17. What Are the Legal Consequences of Not Having Insurance in Nigeria?

The legal consequences of not having mandatory insurance in Nigeria depend on the type of coverage you are required to have. For instance:

  1. Driving Without Third-Party Motor Insurance: You may face fines of up to ₦250,000, vehicle impoundment, or even imprisonment. This offense violates the Motor Vehicle (Third-Party Insurance) Act.
  2. Failing to Provide Employee Insurance: Employers who do not provide Group Life Insurance or Employer’s Liability Insurance face legal penalties, including fines, sanctions, and potential lawsuits under the Pension Reform Act and Employee Compensation Act.
  3. Operating Without Public Liability Insurance: Businesses that expose the public to risks without adequate liability insurance may be held liable for damages, resulting in significant financial losses and legal repercussions.

These legal consequences are designed to enforce compliance and protect public interests. Non-compliance also leaves individuals and businesses exposed to personal liability for accidents, injuries, or damages. To avoid these repercussions, it is crucial to meet all mandatory insurance requirements and maintain valid policies at all times.


18. Is Insurance Coverage Required for Property Ownership in Nigeria?

No, insurance coverage is not legally required for property ownership in Nigeria. Unlike motor insurance or employee-related insurance policies, property insurance is not mandated by law. However, it is highly recommended for homeowners and property investors to protect their assets from risks such as fire, theft, or natural disasters.

Property insurance provides financial compensation for damages or losses, ensuring that property owners do not bear the full financial burden of unexpected events. For example, policies like Fire Insurance or Homeowner’s Insurance can cover repair costs, reconstruction, or replacement of damaged property.

While the law does not require property insurance, some financial institutions may mandate it as a condition for obtaining a mortgage or other property-related loans. In such cases, property owners must comply to secure financing.

Although it is not illegal to own uninsured property, choosing to do so exposes you to significant financial risks. Property insurance offers peace of mind and financial security, making it a prudent choice for property owners in Nigeria.


19. Can an Employer Be Sued for Not Providing Insurance in Nigeria?

Yes, an employer can be sued for not providing mandatory insurance in Nigeria. Under the Employee Compensation Act and the Pension Reform Act of 2014, employers are required to provide certain types of insurance for their employees, such as Group Life Insurance and Employer’s Liability Insurance. Failing to comply with these legal requirements exposes employers to lawsuits from employees or their dependents.

For example, if an employee suffers a workplace injury or dies in service, and the employer has not provided the legally required insurance, the affected employee or their family can take legal action to claim compensation. In such cases, the employer may be held personally liable for damages, leading to significant financial and reputational consequences.

To avoid lawsuits and ensure compliance with Nigerian labor laws, employers should implement all mandatory insurance policies. Collaborating with licensed insurance providers and keeping policies up to date will help protect both employees and the business from legal and financial risks.


20. Is It Illegal to Operate a Commercial Vehicle Without Insurance in Nigeria?

Yes, it is illegal to operate a commercial vehicle without insurance in Nigeria. Commercial vehicle owners are required to have third-party motor insurance as a minimum under the Motor Vehicle (Third-Party Insurance) Act. Additionally, certain types of commercial vehicles may require specialized insurance policies depending on their use and risk exposure.

For instance, public transport operators may need Passenger Liability Insurance, which covers injuries or damages sustained by passengers during transit. This ensures that victims of accidents involving commercial vehicles are adequately compensated.

Operating a commercial vehicle without insurance exposes the owner to legal penalties, including fines, vehicle impoundment, and potential jail time. It also leaves passengers, third parties, and the driver vulnerable to financial losses in the event of an accident.

Compliance with insurance laws is essential for commercial vehicle operators to avoid legal and financial consequences. Beyond fulfilling legal obligations, having comprehensive insurance coverage protects businesses from unexpected liabilities, ensuring long-term operational sustainability.

Further Reading

A Link to A Related External Article:

Driving without motor insurance earns you one-year imprisonment

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