Shi3lda takes a few naira from each completed trip or sale. Cover starts on your first day, holds for as long as you are working, and costs nothing on the days you don't.
No annual premium. No lapse notices. No reinstatement fee after a slow month — cover simply follows the work.
Illustrative policy card
Annual premiums were designed for salaried people with a predictable January. Gig income arrives daily, unevenly, and disappears just as fast — so the product and the customer have never fit together.
The result is that the workers most exposed to road risk carry the least protection. Not because they don't want cover, and not because they can't afford it in total, but because nobody has ever asked them for it in the size they actually hold money.
Forty naira a trip is ₦48,000 a year. The same money. The only thing we changed is when we ask for it.
Connect your ride-hail account, delivery app or mobile money till. Traders can link a POS terminal instead.
₦40 on a standard trip, taken automatically as each one completes. Nothing is deducted on a day you don't work.
Accident cover starts the same day, with no waiting period. Hospital and income benefits begin after seven days.
Send a photo of the police or hospital report. Approved claims are paid to your wallet, most within 48 hours.
Written out plainly, including the waiting periods. If a benefit does not apply on day one, it says so here rather than in a document you receive afterwards.
| Benefit | Limit | Waiting period |
|---|---|---|
| Accident hospitalisationTreatment costs after a road traffic accident | ₦500,000 per event | None |
| Hospital cashPaid for each night admitted, any cause | ₦7,500 / night, to 30 | 7 days |
| Income replacementWhile signed off and unable to work | ₦4,000 / day, to 60 | 7 days |
| Permanent disabilityLump sum, scaled to the assessed degree | To ₦1,500,000 | None |
| Third-party liabilityInjury or damage you cause to others | To ₦1,000,000 | None |
| Motorcycle damageOptional add-on at ₦15 per trip | To ₦250,000 | 14 days |
| Death benefitPaid to your nominated next of kin | ₦2,000,000 | None |
Cover applies while the policy is in force. Standard exclusions apply, including riding without a valid licence, incidents while intoxicated, and pre-existing conditions declared or undeclared. The full policy wording is provided before your first deduction.
Based on ₦40 per completed trip for the standard policy, excluding optional add-ons. Deductions stop automatically on days you do not work, so a slow week costs less rather than putting the policy at risk.
Open the app, tap claim, photograph the police report or hospital card. No forms to collect, no office to visit.
An assessor reviews the claim the same working day and tells you what is covered and what is not, in plain language.
Approved claims settle to your mobile money or bank account, most inside 48 hours of approval.
Setting up takes about three minutes and your first deduction is ₦40. If it doesn't suit you, unlink your account and nothing further is taken.
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