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We Gave Back Millions to Our Customers.

“Ehh! Look at God! Ah! God! I’m going to eat food!”

That’s what one of our customers shouted when our CEO, Ibraheem Babalola, called to tell him he was receiving ₦88,750 in no-claims cashback. The joy. The surprise. The disbelief. It was real, raw, and honestly? It’s exactly why we do what we do.

This year alone, ETAP paid out millions of naira to customers whose policies made no claims. Not as a promotion. Not as a gimmick. But because it’s what insurance should be.

The Moment Everything Changed

We recorded some of the calls when Ibraheem personally reached out to customers. What happened next was better than anything we could have scripted.

https://medium.com/media/1007bc7338cfa8db23388bcb74873a8d/href

One customer screamed “Look at God!” Another declared, “I’m a very happy ETAP customer! ETAP all the way!” The reactions weren’t polished or rehearsed. They were human. And that’s the point.

Real Money. Real Impact.

When we say we gave back millions, we’re not talking about abstract numbers. We’re talking about money that went back into the hands of Nigerians who drove safely, made no claims, and trusted us with their insurance.

These aren’t small amounts. For many of our customers, this is fuel for a month, school fees sorted, or groceries taken care of. This is real impact on real lives.

What Is No-Claims Cashback?

If you’ve never heard of no-claims cashback before, you’re not alone. Most insurance companies in Nigeria (and globally, frankly) take your premium and that’s the end of it. Whether you make a claim or not, they keep 100% of your money.

At ETAP, we do things differently.

Here’s how it works:

When you buy car insurance from ETAP and you drive safely without making any claims during your policy period, we give you money back. Real naira. Into your account. No strings attached.

It’s that simple. You drive well, we reward you. Because responsible customers shouldn’t subsidize everyone else’s claims.

Why We Do This

The insurance industry in Nigeria has a trust problem. And honestly? It’s earned it.

For years, customers have paid premiums, followed the rules, and gotten nothing in return except the “privilege” of being insured. When they needed to make a claim, they faced delays, denials, and frustration.

When they didn’t make a claim? Silence.

We believe insurance should be different.

“If you drive safely and nothing goes wrong, why shouldn’t you get something back?”

— ETAP’s Philosophy

This isn’t rocket science. It’s basic fairness. It’s what a customer-first company should do.

The CEO Who Called Customers

Ibraheem Babalola personally called customers to share the news

Here’s something most insurance companies would never do: have their CEO personally call customers to deliver good news.

But Ibraheem isn’t most CEOs. And ETAP isn’t most insurance companies.

When we decided to pay out no-claims cashback this year, Ibraheem picked up the phone and started calling. Not because he had to. Not for a PR stunt. But because he genuinely wanted to hear their reactions. He wanted to share the joy.

And the reactions? Priceless.

Some customers cried. Some laughed. Some prayed. One shouted “Look at God!” so loud we had to turn down the volume. Another said, “I’m going to eat food!” — a simple statement that captured the real-world impact of what we were doing.

These weren’t scripted testimonials. They were real people receiving real money they weren’t expecting. And it reminded us why we started ETAP in the first place.

What This Means for Nigerian Insurance

Let’s be honest: the insurance industry in Nigeria needs disruption. Penetration rates are low. Trust is lower. Most Nigerians only buy insurance because it’s mandatory, not because they believe in it.

We’re trying to change that narrative.

No-claims cashback isn’t just a product feature. It’s a statement about what insurance can be:

Fair: You drive safely; you get rewarded. Simple.
Transparent: No hidden clauses. If you qualify, you get your money.
Customer-first: We’re on your side, not against you.
Delightful: Insurance doesn’t have to be painful. It can actually bring joy.

When customers like the one in our video shout “Look at God!” after receiving their cashback, they’re not just reacting to money. They’re reacting to being treated fairly. To being surprised by a company that actually cares. To experiencing insurance that doesn’t feel like a scam.

That’s the future we’re building.

What Did Your Insurer Give You?

If you’re reading this and you’ve been paying car insurance premiums for years, ask yourself a simple question:

What has your insurance company given you back?

If the answer is “nothing,” you’re not alone. Most insurance companies operate on a simple model: take your money, hope you don’t claim, and if you do claim, make it as difficult as possible.

At ETAP, we flip that model on its head:

✓ Buy your insurance in minutes on our app

✓ Drive safely and earn points for good behavior

✓ Make claims instantly when accidents happen

✓ Get cashback when you don’t make claims

This isn’t insurance as you’ve known it. This is insurance as it should be.

Join the Movement

Millions of naira paid back to customers. Thousands of Nigerians now driving with an insurer they actually trust. One CEO who picks up the phone to share good news.

This is just the beginning.

We’re not trying to be the biggest insurance company in Nigeria. We’re trying to be the best. The one that treats customers like humans, not policy numbers. The one that gives back when you do the right thing. The one that makes you shout “Look at God!” when you get your cashback.

Because insurance should give back when nothing goes wrong.

It’s that simple.

18 December

Insurance Isn’t Optional Anymore — Here’s How to Stay Compliant With NAICOM.

Insurance Isn’t Optional Anymore — Here’s How to Stay Compliant With NAICOM.

You’re driving to work on a Monday morning, listening to your favorite playlist, determined to ace your weekly goals. The sun is out, Lagos traffic is somehow behaving, and you’re feeling like the main character. But then, you spot them — VIO. Police.

Your heart skips a beat. “Hope they won’t stop me o…” You glance at your side mirror, trying to calculate your next move. Should you switch lanes? Act like you don’t see them? But deep down, you know the truth, you’ve been driving without insurance.

But guess what? They will. They will stop you!

The National Insurance Commission (NAICOM) has made every car on Nigerian roads mandatory to have at least third-party insurance. No more “I go do am later.” If you’re caught without it? Just be ready to pay fines every time VIO, FRSC, or police stops you. And those fines? They’ll cost you way more than just getting insurance in the first place. Let’s do the math: If you’re stopped just three times a year, you could spend ₦250,000 or more on fines. Meanwhile, a legit Third-Party Insurance policy from ETAP costs just ₦15,000 per year. So why throw money away when you can drive legally and stress-free?

But before you sigh and say, “Ugh, insurance wahala again,” hold on. We get it. Insurance in Nigeria hasn’t exactly had the best rep. You hear things like:

“It’s too expensive.”
“Claims take forever.”
“They’ll just eat my money and not help when I need it.”

Sounds familiar? We feel you. But that’s exactly why ETAP exists, to change all that.

First, what’s Third-Party Insurance?

It’s the bare minimum insurance required by the law every car should have. If you ever hit someone’s car (or worse, injure someone), your insurance covers the damage so you don’t have to empty your account. What it doesn’t do? It won’t fix your own car. But don’t worry, ETAP has comprehensive insurance options if you want full coverage.

And now that NAICOM is making it compulsory, there’s no running from it. So, if you have to get it, you might as well do it the smart way.

Why ETAP?

ETAP is not your regular, stressful insurance provider. We built our system for people like you — busy, practical, and tired of the usual insurance drama.

Here’s what you get;

1. Insurance in 90 seconds — No paperwork, no stress. Just a few taps, and boom — you’re covered.
2. Claims processed in 3 minutes! — Something happens? Take a picture, report on the app, and we handle the rest.
3. We fix your car at our trusted repair centers — No shady roadside mechanics. Your car comes back better than it left.
4. You get rewarded for driving safely. Yep! ETAP gives you points just for being a careful driver. You can redeem them for shopping, fuel, movie tickets, and more!

Let’s not forget: Over 12 million vehicles in Nigeria are uninsured. That’s a lot of people one accident away from serious financial trouble. But you? You’re smarter than that.

Get Covered Today!

So, let’s be real. You can either: Get insured now and drive stress-free OR Risk getting stopped and paying avoidable fines.

The choice is yours, but we both know the smart move.

Click below to get your Insurance Coverage on ETAP in 90 seconds. It’s easy, affordable, and stress-free.

👉 Get Insured Now 👈

19 February

Insurance Isn’t Optional Anymore — Here’s How to Stay Ahead of NAICOM.

Insurance Isn’t Optional Anymore — Here’s How to Stay Compliant With NAICOM.

But guess what? They will. They will stop you!

NAICOM has made it mandatory for every car on Nigerian roads to have at least Third-Party Insurance — no more “I go do am later.”

If you’re caught without it? Get ready to pay fines every time VIO, FRSC, or the police stop you. And those fines? They’ll cost you way more than just getting insured.

Let’s break it down: Get stopped three times a year, and you could spend over ₦250,000 on fines. Meanwhile, a legit Third-Party Insurance policy from ETAP costs just ₦15,000 per year.

Why throw money away when you can drive legally and stress-free? Get covered today. But before you sigh and say, “Ugh, insurance wahala again,” hold on. We get it. Insurance in Nigeria hasn’t exactly had the best rep. You hear things like:

❌ “It’s too expensive.”
❌ “Claims take forever.”
❌ “They’ll just eat my money and not help when I need it.”

Sounds familiar? We feel you. But that’s exactly why ETAP exists, to change all that.

First, what’s Third-Party Insurance?

It’s the bare minimum insurance required by the law every car should have. If you ever hit someone’s car (or worse, injure someone), your insurance covers the damage so you don’t have to empty your account. What it doesn’t do? It won’t fix your own car. But don’t worry, ETAP has comprehensive insurance options if you want full coverage.

And now that NAICOM is making it compulsory, there’s no running from it. So, if you have to get it, you might as well do it the smart way.

Why ETAP?

ETAP is not your regular, stressful insurance provider. We built our system for people like you — busy, practical, and tired of the usual insurance drama.

Here’s what you get;

✅ Insurance in 90 seconds — No paperwork, no stress. Just a few taps, and boom — you’re covered.
✅ Claims processed in 3 minutes! — Something happens? Take a picture, report on the app, and we handle the rest.
✅ We fix your car at our trusted repair centres — No shady roadside mechanics. Your car comes back better than it left.
✅ You get rewarded for driving safely. Yep! ETAP gives you points just for being a careful driver. You can redeem them for shopping, fuel, movie tickets, and more!

Let’s not forget: Over 12 million vehicles in Nigeria are uninsured. That’s a lot of people one accident away from serious financial trouble. But you? You’re smarter than that.

Get Covered Today!

So, let’s be real. You can either: Get insured now and drive stress-free OR Risk getting stopped and paying avoidable fines.

The choice is yours, but we both know the smart move.

Click below to get your Insurance Coverage on ETAP in 90 seconds. It’s easy, affordable, and stress-free.

👉 Get Insured Now 👈

07 February