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What makes Ombrella Insure one of Nigeria's favourite places to buy insurance?
4.5★
on Google reviews
Everyday Nigerians rate Ombrella for simple buying and real support.
25,000+
policies sold
Car, health, travel, gadget, home and life cover bought through Ombrella.
₦2.1bn+
premiums placed
Naira premiums arranged with NAICOM-licensed insurers across Nigeria.
NAICOM
licensed partners
We only work with insurers licensed and regulated by NAICOM.
NCRIB
registered broker
Ombrella is registered with the Nigerian Council of Registered Insurance Brokers.
2022
year of inception
Built in Nigeria, for Nigerians — with 100% claims assistance since day one.
Ombrella Advantage+
When you buy insurance from us, you get more than just a policy. You get plain language, quick claims support, instant quotes from top insurers, and a team that stays with you in the tough times.
Licensed partners only
Every policy is underwritten by a NAICOM-licensed insurer.
A human on your claim
Report from your phone; we chase the insurer until you are paid.
Pay in instalments
Spread your premium monthly or quarterly at no extra cost.
Certificate in minutes
Buy today, get your documents in your inbox before you finish your tea.
Happy to help
Reach us any day of the week by chat, call or WhatsApp.
Check my risk score
Answer 8 tap-only questions and see, in one number, whether your family, income and assets are actually protected — and exactly what is missing.
Start my free check7 in 10 Nigerians score above 50 — the red zone.
What Nigerians have to say about us?
Ngozi E.
Tailor, Lagos
“Nobody pays my hospital bill when I close my shop. With ₦5,200 a month my HMO covers my clinic visits and I never touch my fabric money again.”
Emeka U.
Bolt driver, Abuja
“I drive every day, so malaria week used to cost me both fare and fees. Ombrella put me on a plan I pay monthly and my last treatment was fully covered.”
Halima S.
Market trader, Kano
“They explained the HMO in plain words, no big grammar. My two children and I are on one family plan and I still got 20% off.”
Seyi A.
Freelance designer, Ibadan
“No company HMO when you work for yourself. I compared plans on my phone at night and was covered before the next job started.”
Ombrella vs buying direct
| What you get | Ombrella | Insurer | Agent |
|---|---|---|---|
| Compare many insurers at once | ✓ | ✕ | ✕ |
| Prices with no phone calls | ✓ | ✕ | ✕ |
| Claims chased on your behalf | ✓ | ✕ | ✓ |
| Pay monthly, no extra cost | ✓ | ✕ | ✕ |
| Same premium as the insurer | ✓ | ✓ | ✕ |
Questions people ask us
What exactly is insurance?
You pay a small amount regularly. If something bad happens — an accident, a hospital bill, a stolen phone — the insurer pays the big cost instead of you.
Is Ombrella allowed to sell insurance?
Yes. Every policy on Ombrella is underwritten by an insurer licensed by NAICOM, Nigeria's insurance regulator.
How do I pay?
Debit card or bank transfer. For most plans you can also spread the payment monthly or quarterly at no extra cost.
How fast do I get my certificate?
For car, travel and gadget cover it lands in your email within minutes of payment. Health and life plans take up to 24 hours.
What happens when I need to claim?
Report it in the app or call us. We collect the documents, send them to the insurer and follow up daily until you are paid.
Can I cancel?
Yes. Cancel within 14 days of buying and you get a full refund, as long as you have not made a claim.
Every African deserves a safety net
Find, understand and buy a policy that actually fits your life — in under five minutes.