Insurance & Liability Policy

Last updated: September 21, 2025

1. Purpose

This policy outlines insurance requirements and liability limits to protect drivers, riders, and SwiftCab from financial risks related to the use of the platform.

2. Driver’s Responsibility

All drivers must maintain valid vehicle insurance, including at least third-party insurance as required under Nigerian law. Drivers are responsible for keeping insurance documents current and providing proof when requested.

3. SwiftCab Liability

SwiftCab’s liability is limited to obligations under mandatory insurance laws. SwiftCab is not responsible for theft, loss of personal items, or indirect, incidental, or consequential damages.

4. Accident Protocol

In the event of an accident:

• Drivers must report the incident to SwiftCab immediately.
• Drivers are required to follow all legal reporting procedures under Nigerian law.
• SwiftCab may assist in processing insurance claims but is not the insurer and does not provide coverage beyond its legal obligations.

5. Governing Law

This Insurance & Liability Policy shall be governed by the laws of Nigeria, without regard to conflict of law provisions.