askNIID: NIID motor insurance check, *565*11#

Short answerChecked 31 October 2026

To verify a motor insurance certificate in Nigeria, go to askniid.org and click Check Policy, or dial *565*11# on any phone. The Nigerian Insurance Industry Database (NIID), owned by the Nigerian Insurers Association, is the central database of compulsory insurances; the police and other law enforcement agencies use it to spot fake certificates. NIID only verifies: never renew or pay on it — buy and renew only from a licensed insurer.

Verify a policy on the official NIID

Online: askniid.org → Check Policy, the Nigerian Insurers Association's database (askNIID).
By phone: dial *565*11# and follow the prompts (askNIID).
NIID only verifies: buy or renew only from a licensed insurer (check an insurer).

Free PDF: Motor insurance & NIID verification guide 2026

5 chapters in one PDF, every source listed. Free, no sign-up.

Get the free PDF

Your situation is different? Ask.

Answers come from the law, the regulator and the insurers' own documents, with the source under each answer. General information, not advice.

What excess will I pay on a claim?Am I covered if I use the car for business?What should I check before I renew?

On this page · 5 sections

Check a motor policy, step by step
What NIID is (and is not)
If your policy is not found
FAQ
Sources

Check a motor policy, step by step

Open askniid.org and click Check Policy (vehicle policy), or dial *565*11# on any phone and follow the prompts (askNIID).
Choose single or fleet and enter the details the form asks for, such as the vehicle registration number (check policy).
Compare the result with your certificate: insurer, vehicle, policy dates. If the policy is not found or the details differ, contact the insurer named on the certificate at once.

What NIID is (and is not)

Owned by the Nigerian Insurers Association (NIA), the umbrella body of insurance companies founded in 1971 (askNIID).
"The central database of all compulsory insurances in Nigeria", used "by all stakeholders including authorized Law Enforcement Agencies to validate insurance certificates" (same page).
Besides vehicles, askniid.org verifies marine policies, builders' liability, occupiers' liability and marine hull policies.
It is not an insurer: "Please IGNORE messages requesting you to renew your insurance policies on the NIID Platform."

If your policy is not found

Check what you typed (registration number, single or fleet).
Call the insurer named on the certificate and ask when it uploaded the policy to NIID. Check that the insurer itself is licensed: insurance companies in Nigeria.
If the certificate came from an agent or a roadside seller and the insurer does not know it, treat it as fake: buy a genuine policy and report the seller.
If the insurer will not help, complain to NAICOM: how to complain.

NIID contacts (Nigerian Insurers Association): Insurers House, 42 Saka Tinubu Street, off Adeola Odeku, Victoria Island, Lagos; phone +234 817 078 4444, +234 802 990 8531; hotlines +234 803 040 0804, +234 701 178 4884; info@nigeriainsurers.org (askNIID contact).

Already insured?

Understand my policy Prepare a claim

Next step

1. Find the cover that fits

Frequently asked questions

How do I check my car insurance on NIID?

Go to askniid.org, click Check Policy, choose single or fleet and enter your details; or dial *565*11# on any phone and follow the prompts.

What is the NIID USSD code?

*565*11#, according to the askNIID platform.

Can I renew my insurance on NIID?

No. The NIID only verifies policies. It warns the public to ignore messages asking them to renew on the NIID platform and to renew only with licensed insurance companies.

Who owns askNIID?

The Nigerian Insurers Association (NIA), the umbrella association of insurance companies in Nigeria.