Log, track your assets and insure your way.
Describe what you own, log and track it as you grow, and insure it your way. VaultCova is the layer where people and businesses in Nigeria run everything insurance: assets, risks, cover, claims and rewards, in one conversation with Cova. VaultCova is not an insurer; every policy is backed by a NAICOM-regulated underwriter.
- Log what you own in plain language, and Cova records it, values it and flags whether it is covered.
- See your real exposure: replacement cost and sum insured sit side by side, so coverage gaps have nowhere to hide.
- Insure when you are ready, binding cover in minutes through regulated underwriters, or bring an existing policy in.
- Claim and earn: file in chat, track every stage to settlement, and earn cashback for staying claim-free.
VaultLog: every asset, its real value, its exact cover
A living register where purchase price, replacement cost and sum insured sit side by side. Gap detection shows underinsurance before it bites, bundles group your fleet, premises or household into one policy (around 10% saved, one renewal, one certificate), and a one-click Schedule of Assets exports an auditor-ready PDF of your whole register.
How Cova works
Say "add my Hilux, replacement 52M" and that one sentence creates the asset, values it, scores the risk and queues the right cover, across motor, property, marine, valuables and more. Most covers bind instantly; high-value or unusual cases go to a human underwriting desk, usually back within 4 business hours. Cova Insight scores your whole portfolio, VaultRewards pays up to 7% of your premium back for staying claim-free, and claims are filed in chat and settled within an average window of 8 days or less.
Pricing
Buying policies, storing them, claims and Cova guidance are free on every plan, forever. Paid plans add business risk management for those who run serious operations, and annual billing gives you 2 months free.
- Free Vault: log up to your asset cap, buy, store and claim on policies free forever, with Cova guidance, quotes and coverage-gap insight.
- Individual Vault (from around 2,050 naira per month): a higher asset cap, schedule-of-assets PDF export and VaultRewards cashback.
- Pro Vault: adds the risk dashboard, gap analysis, bundle optimiser and value statements.
- Business Vault: unlimited assets, multi-location and site cover, team access and a master policy across sites.
Underwritten by trusted carriers
VaultCova is a bridge, not an insurer: you log, track and value what you own, then insure it when you are ready. Every policy is backed by a NAICOM-regulated carrier, such as Leadway Assurance, AXA Mansard, AIICO Insurance and Custodian. We match you to the right one and manage the relationship for you.
Questions, answered
- What exactly is VaultLog?
- VaultLog is your living register of everything you own. Each asset carries its purchase price and real replacement cost, so we show you precisely what is covered and what is exposed. Add assets by describing them to Cova in plain language.
- How does the Cova assessment work?
- Cova auto-detects what you are insuring, scores the risk, and asks only the questions that matter. Most risks bind instantly; high-value or unusual cases go to a human underwriting team, usually back within 4 business hours.
- Can I insure assets together?
- Yes. Bundling related assets (your fleet, your home and contents, your premises and plant) into one policy typically saves around 10% versus separate covers, with one renewal date and one document.
- How fast are claims paid?
- Small claims on active policies are auto-approved by Cova in minutes. Larger claims require further assessment and are settled within an average window of 8 days or less.
- Is VaultCova an insurer?
- No. VaultCova helps individuals, homeowners, SMEs and asset-intensive businesses log, track and value their physical assets, then insure them when ready through NAICOM-regulated underwriters.
Cover we help you arrange
Explore how each cover works in Nigeria, then log your asset and insure it with Cova:
Guides and resources
Practical guidance on valuing, protecting and insuring what you own:
VaultCova, Nigeria. Log, track your assets and insure your way. Cover is provided by NAICOM-regulated underwriters.