VaultCova

Log and track everything you own, and insure it, in a sentence.

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.

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.

Underwritten by NAICOM-licensed insurers

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 underwritten by a NAICOM-licensed insurer on our panel. We match you to the right one and manage the relationship for you. See the insurer panel.

For business

The asset register your auditor, lender and insurer all ask for: fleet, plant, stock and premises across every location, a schedule of assets in one tap, team access, a risk dashboard and risk reports. See VaultCova for business.

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?
Smaller claims on active cover, with clear photos, are fast-tracked: Cova agrees the figure with you, then the underwriter funds it. Larger claims are assessed by the underwriter first. The money reaches your VaultCova wallet once the underwriter funds the claim, and you can follow every step in the app.
Can I take cover for less than a year?
Yes, where the underwriter writes short-term cover for that class. A shorter term is priced on that underwriter's own short-period scale, and you pay for the term up front. We do not split premiums into instalments.
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.