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- 42 Saka Tinubu Street, Victoria Island, Lagos
- +234 803 223 5260; +234 802 343 7507
- [email protected]
About Brown Card Scheme - ECOWAS Brown Card Insurance Scheme
Protocol
The ECOWAS Brown Card Insurance Scheme was established by Protocol A/P1/5/82 signed on 29 May 1982 at Cotonou by Heads of States and Governments of the ECOWAS, with Supplementary Act A/SA.01/06/20 amending the Protocol A/P1/5/82 on the establishment of an ECOWAS Brown Card. The Insurance Scheme is established on the Protocol on the free movement of persons and goods across national boundaries of ECOWAS member states. The Brown Card Insurance Scheme serves as a common insurance cover against Third Party liabilities that visiting motorists may incur while they drive across various national boundaries of ECOWAS.
Objectives of the ECOWAS Brown Card Insurance Scheme
The main objective of the ECOWAS Brown Card Insurance Scheme is to ensure prompt and fair compensation to victims of motor accidents caused by visiting motorists, using foreign registered vehicles from other ECOWAS members States covered by a Brown Card Insurance.
The Brown Card Insurance Scheme serves as a common insurance cover against Third Party liabilities that visiting motorists may incur while they drive across various national boundaries of ECOWAS. The Scheme therefore guarantees compensation to third party victims of cross border accidents, thereby leading to the realization of the ECOWAS objective of Free Movement.
Benefits of Brown Card Scheme
Motor Insurance Cover
Provides an insurance cover against Third Party liabilities that visiting motorists may incur while they drive across various national boundaries of ECOWAS
Prompt Fair Compensation
Ensure prompt and fair compensation to victims of motor accidents caused by visiting motorists, using foreign registered vehicles from other ECOWAS member states covered by a Brown Card Insurance
Guaranteed Compensation
Guarantees compensation to third party victims of cross border accidents, thereby leading to the realization of the ECOWAS objective of Free Movement
Scheme Participants
Principal Participants
The Principal Participants are the member states of ECOWAS, and some of their responsibilities include:
- Recognize the EBC and enact laws for establishment of the scheme.
- Ensure establishment of National Bureaux.
- Ensure Solvency of National Bureaux.
- Ensure performance by the National Bureau of its obligations.
Subsidiary Participants
These are insurance companies licensed by the Regulator to underwrite motor Insurance risks/business. Such Insurance companies must be members of their respective National Bureaux, and some of their responsibilities include:
- Issuance of the ECOWAS Brown Card Insurance to policyholders, guaranteeing such policy holders adequate cover against the motor vehicle third party risks they may incur in the countries which they visit.
- To undertake payment of compensation for injury, death and damage to property caused by its insured Brown Card holder.
