The ECOWAS Brown Card is a regional motor insurance policy that provides third-party liability coverage for road accidents across ECOWAS member states, including Nigeria.
The Brown Card is automatically included with your primary motor insurance policy in Nigeria. No additional steps are required.
It covers third-party liabilities, including bodily injury, death, and property damage caused by the insured vehicle to other road users within any of the 14 participating ECOWAS countries.
Immediately contact the National Bureau in the country where the accident occurred. They will assist in processing your claim and provide guidance on the next steps.
The Brown Card is recognized in the following 14 ECOWAS member states:
Benin, Burkina Faso, Côte d’Ivoire, Gambia, Ghana, Guinea, Guinea-Bissau, Liberia, Mali, Niger, Nigeria, Senegal, Sierra Leone, Togo.
Note: The Brown Card is not recognized in Cape Verde being an Island
The Brown Card remains valid for the duration of your motor insurance policy in Nigeria.
No, the Brown Card coverage is automatically included in your motor insurance policy at no additional cost.
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We aspire to be the best performing National Bureau of the ECOWAS Brown Card Insurance Scheme and to maintain a vibrant, dynamic and self-sustaining Bureau that operates in tandem with the tenants of the ECOWAS Brown Card Insurance Scheme Protocol.
Harness the collective efforts of member companies to achieve the core objective of the ECOWAS Brown Card Insurance Scheme, and ensure that victims of motor road accidents are promptly and fairly compensated for injuries sustained, and damage caused to their properties by non-resident motorists.
