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Useful Guide to Complete Vehicle Insurance

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Car insurance is one crucial area under the compulsory insurance cover. It is therefore expedient that both car owners and road users get acquainted with some of the tips that can help in protecting themselves and getting best value for their money. Please note that your car insurance rates are based on a few factors you can’t readily change. These are your sex, age, marital status and where you live and your credit scores, what you drive, how well you drive and how much coverage you buy. Before going into the details, let us first review the basics. One vital area in discussing car insurance is liability insurance. It is a form of insurance that pays for injuries and property damage caused by a crash if an insurance adjuster determines you were at fault. It does not cover your injuries or those of other people on your policy, or damage to your vehicle. You are personally liable for claims that exceed your coverage, so buy even more if you can, and consider an umbrella policy.
The Uninsured or underinsured motorist protection, covers injuries to the occupants of your car and property damage, depending on the insurance cover of the other party. For instance, does the other driver has insurance? if yes, how much?. Collision insurance pays for damage to your vehicle in an accident. If your car is totaled, you’ll get what the insurer considers the pre-crash market value of your car. Comprehensive insurance covers theft of your vehicle and non-collision damage to your car, as well as animal collisions. You may be eligible for lower rates if your vehicle has anti-theft and tracking devices. Medical or personal-injury protection provides coverage for you and your passengers, regardless of who is at fault. You may not need this insurance if you have good health insurance. Consider gap insurance if you owe more on your car than it’s worth.
Reduce your rates. The companies you select and the coverage you buy can greatly reduce your rates. Shop around, call companies and consult an agent through the registered insurance companies under the banner of the Nigeria Insurers Association (NIA) or agents and brokers. Rates vary greatly depending on a company’s operating expenses, history of claims and formulas for setting premiums. Check a company’s financial status and consumer record. The last thing you need is to go cheap and then find it’s all but impossible to file a claim In such case increase your deductibles on comprehensive and collision coverage to an amount you can cover out of pocket. Consider dropping both if you own your vehicle outright and the combined annual cost for that coverage is more than 10% of what you would get if you car were affected.. Ask your insurer about all available special discounts. If you’re switching insurance companies, do it in writing. Your credit scores will suffer if you’re canceled for non payment. Control yourself Your behavior on and off the road has a bearing on your rates. Pay all bills on time. Your premiums are based in part on your credit scores or an insurance risk score based on your credit reports. Remember that no insurance is valid if premiums are not paid. The slogan of ‘No premium, No cover is very valid.’  Drive defensively, and avoid distractions such as text messaging or talking on a cell phone. One speeding ticket may not raise your rates, but an accident you caused probably would — generally by 40% of the company’s base .Don’t drink and drive .Don’t lend out your car. If your friend wrecks it, your rates will go up. If your uninsured friend wrecks your car, you’ll be liable for claims exceeding your policy.  One other thing is that the type of vehicle you drive affects your rates. For instance, if you must drive a sports car, check the cost of insuring that car before you buy it. You’ll pay higher premiums for a vehicle with higher collision-damage costs or that’s attractive to thieves .High-tech items are more expensive to replace after a crash. The deal on discounts factors such as age, how much you drive, where you live and, sometimes, what you do for a living affect insurance premiums. You can take some steps to get a better rate. If you get married, you’ll get a discount and benefit from combining policies People 55 and older get a discount for taking a driving class and adding your newly licensed teenager to your policy will increase your premiums 50% to 200%. One way to reduce costs is to buy a beater and list your child as the driver. Teen drivers can get discounts for driver’s courses or good grades. 
You may get a discount if your child attends school away from home.
If you’ve been in a collision, tell your insurance company for your own protection, even if injuries are not readily apparent. Informing the company doesn’t mean that one is filing a claim.
If you disagree with the value assigned to your vehicle, provide quotes from local dealers and proof that your vehicle was well-maintained.  Still unsatisfied? Your options are mediation, arbitration and, finally, a lawsuit.
If the driver at fault in a crash is uninsured, consider "stacking" or collecting on all of your policies that have uninsured/underinsured motorist coverage to fully cover the damage, unless the law prohibits it.
Body shops may be tempted to cut corners to meet insurance companies’ pricing requirements.
If you cause an accident, does your policy require you to pay the difference between generic and original-equipment or manufacturer parts? If someone else caused the accident, request original-equipment parts for your repairs.
These are some of the useful guides to car insurance which prospective customers should note,
 
 


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NITDA, Abia Partner on Enterprise Architecture Reform

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In alignment with President Bola Ahmed Tinubu’s priority areas of economic reform, digital innovation, and improved governance, the National Information Technology Development Agency (NITDA) has reiterated its commitment to supporting sub-national governments in building integrated, data-driven systems that enhance service delivery and drive sustainable growth.

This commitment was reinforced at the Future Enterprise & Data Architecture of Abia State workshop themed “One Citizen, One Identity: Unlocking Data-Driven Governance.” The high-level engagement brought together policymakers, technocrats, and development partners to chart a pathway toward a unified digital public sector anchored on interoperability and citizen-centric governance.

The workshop, organised by the state’s Ministry of Budget and Planning and declared open by Governor Alex Otti, who was represented by the Deputy Governor, Engr Ikechukwu Emetu, focused on strengthening interoperability among Ministries, Departments, and Agencies (MDAs) to enhance revenue generation and improve service delivery across the state.

Speaking during a panel session titled “Breaking Silos, Building One Government,” the Director General of NITDA, Kashifu Inuwa CCIE, who was represented by the Agency’s Director of Stakeholder Management and Partnership, Dr Aristotle Onumo, emphasised that collaboration remains the cornerstone of successful digital transformation.

“One thing that is very clear is partnership and collaboration. If you want to take advantage of collective intelligence, then partnership is the key. If you want to succeed in building a unified government system, collaboration is the way to go,” he stated.

He stressed that digital transformation is not merely about deploying technology but about transforming people and culture. According to him, resistance to change and entrenched institutional silos can undermine even the most sophisticated technological frameworks if mindset shifts are not prioritised.

“Digital transformation is as much about people as it is about process and technology. If culture resists change, it can undermine strategy at every level. We must move from control to collaboration, and from isolation to integration,” he added.

Highlighting NITDA’s strategic direction, the DG noted that the Agency’s action plan prioritises digital literacy as a foundational pillar for national development. He disclosed that NITDA is targeting 70 per cent digital literacy nationwide through structured interventions, including training 30 million Nigerians across formal and informal sectors using digital learning platforms deployed through community and institutional partnerships.

He further revealed that digital education is being integrated into school curricula at primary, secondary, and tertiary levels, while civil servants across the federal public service are undergoing digital capacity development programmes to enhance institutional efficiency and readiness for interoperable governance systems.

On interoperability, Inuwa described it as “not optional but a necessity” for achieving data integrity, efficiency, and innovation in governance. He explained that NITDA is developing a national interoperability framework and advancing Enterprise Architecture (EA) initiatives across government institutions to ensure seamless data exchange.

“When we talk about interoperability, we mean that data generated in one agency should be accessible and usable by another in a consistent and secure format, without contradiction or confusion. That is how you build one government, not multiple disconnected systems,” he explained.

He added that a robust interoperability framework would not only improve internal government efficiency but also create a platform for innovation, enabling startups and young innovators to build solutions on structured public datasets.

While commending the state’s leadership for its vision and commission, he said, “If we achieve even 80 per cent of what has been presented here, Abia will not only lead among states, but it will also become a national reference point for digital innovation.”

The workshop concluded with a renewed call for stronger federal–state collaboration, policy alignment, and sustained investment in digital capacity to ensure that the vision of “One Citizen, One Identity” translates into tangible socio-economic impact.

 


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Zinox Technologies and TD Africa Forge Strategic Partnership to Revolutionize African Tech Ecosystem

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In a landmark development set to reshape Africa’s technology landscape, Zinox Technologies, the continent’s leading manufacturer of trusted technology solutions, and TD Africa, Africa’s largest technology and lifestyle distribution powerhouse, formalized a strategic partnership on Friday at an exclusive press conference attended by industry journalists, key stakeholders, and partners from both organizations.

Zinox Technologies and TD Africa Forge Strategic Partnership to Revolutionize African Tech Ecosystem

Zinox Technologies and TD Africa

The event, held to officially announce the collaboration and address stakeholder concerns, marks a pivotal moment in the evolution of indigenous African technology, signalling a new era of continental self-reliance and technological excellence.

The partnership brings together two industry titans whose complementary strengths promise to deliver unprecedented value to the African market.

Zinox Technologies has established itself as Sub-Saharan Africa’s premier indigenous technology manufacturer, producing internationally certified devices that rival global brands while addressing Africa’s unique technological needs.

TD Africa, with its extensive distribution network spanning 43 nations in the continent and expanding, has become the preferred gateway for leading global technology brands including HP, Microsoft, Dell, and Cisco.

This alliance represents more than a business transaction; it harmonizes Zinox’s precision-engineered hardware with TD’s formidable distribution infrastructure to bridge the digital divide, deliver rugged, energy-efficient innovation to the very heart of Africa’s schools, industries, and homes.

Speaking at the event, Chioma Chimere, Coordinating Managing Director of TD Africa, articulated the strategic rationale behind the partnership with evident conviction. “Today represents a moment where Africa meets Africa,” she declared, emphasizing Zinox’s distinction as an indigenous brand that truly understands and produces to meet the unique needs of the continent.

Chimere highlighted Zinox’s comprehensive product range and their remarkable efficiency, noting that the company’s Made-for-Nigeria approach addresses challenges that foreign manufacturers often overlook.

“We are proud to partner with a brand that doesn’t just import solutions but engineers them specifically for our reality,” she added, expressing gratitude to all stakeholders for participating in this historic collaboration.

The event’s opening address set the tone for what promises to be a transformative partnership. The gathering provided partners and the public with comprehensive insights into how this alliance will enhance market access, product availability, and technological solutions across the continent.

Chioma Nwoke, Executive Director, Human Resources Head at Zinox Technologies, offered a compelling vision of the partnership’s broader implications for African technological sovereignty.

She articulated Zinox’s founding vision, to create dependable standards of technology, and traced the company’s evolution from its inception to its current position as a leader in indigenous manufacturing.

“This partnership sends a powerful signal to the market that African technology can compete, innovate, and lead,” Nwoke emphasized.

She stressed that this collaboration transcends mere commercial transactions, encompassing digital education, enterprise development, and nation-building through technology.

“Zinox will continue manufacturing global-standard products, and Africa will be sustained by partnerships like this that demonstrate our capability and commitment to technological independence,” she affirmed.

Moses Edoh, Head of Research and Development at Zinox Technologies, provided technical insights into the company’s diverse product portfolio and the philosophy driving their design approach.

He explained how Zinox, iTEC, and iPower brands compete successfully with foreign manufacturers by creating products tailored to specific customer needs.

“We were the first to produce and introduce hybrid inverters in Nigeria,” Edoh noted, “and every product in our lineup is designed to address the unique challenges Nigerians face daily.”

The Zinox product ecosystem showcases remarkable breadth and innovation. Their technology lineup features cutting-edge All-in-One Smart Boards, PCs with various specifications, tablets, desktops, monitors, and Point-of-Sale systems.

The iPower renewable energy division offers an impressive array of solutions including the Megaforce 125W, GridPro 50KW, Bijimi 30KW, Premium 11KW, Infiniti, Plus, iPower X, iPower Ascend All-in-One, Ascend, Matrix All-in-One, 3KG MPPT Solar Charge Controller, 665 Watts Bifacial Topcon Panel, various monocrystalline panels ranging from 320-550 Watts, multiple battery technologies (lithium, tubular, gel), solar street lights, and portable power banks.

The iTEC brand delivers power generating sets with 100% copper winding, while their consumer electronics range includes AI QLED Smart TVs from 33″ to 95″, microwave ovens, and rechargeable fans.

The testimonials from existing partners underscored the quality and durability of Zinox products. Engineer Anthony Anigbogu, Chief Executive Officer of Orbit Business shared his remarkable experience with an iPower hybrid inverter that served him faithfully for twelve years, only requiring replacement when he needed higher capacity. Such testimonials validate Zinox’s commitment to manufacturing products built for longevity.

Partners called for increased awareness campaigns, noting that many Nigerians continue relying on foreign brands despite having access to Nigerian-made solutions tailored to their unique needs. They pledged to actively promote these indigenous products within their networks.

With TD Africa’s expansive distribution network now channelling Zinox’s comprehensive product range, customers across the continent gain expanded access to world-class, Africa-optimized technology solutions.

Partners of both organizations stand to benefit enormously from this synergy, gaining access to innovative offerings including JOI (Just Own It) for individual consumers, TaaS (Technology as a Service) for corporate clients, and PaS (Product as a Service), among other solutions designed to make technology more accessible and affordable.

For organizations and individuals interested in exploring partnership opportunities or learning more about these innovative solutions, you can send an email to [email protected], with comprehensive information also available on their website.

This partnership represents not just a business alliance but a declaration of African technological capability, a testament that the continent can manufacture, distribute, and sustain world-class technology solutions designed by Africans, for Africans.


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Leo Stan @ 70: Blessed and Bruised by Country, Eyes Next Disruption

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One a quiet Wednesday, February 22, 1956,  in Ubomiri, Mbaitoli, Imo State, the family of Chief and Lolo Ebenezer Ekeh leaped for joy at the birth of Leonard Stanley Nnamdi Ekeh- their second son.

Leo Stan @ 70: Blessed and Bruised by Country, Eyes Next Disruption

Leonard Stanley Nnamdi Ekeh

His birth was both cosmic, and disruptive as his journey down this 70 years on earth has proven.

Leonard Stanley Nnamdi Ekeh, popularly know as Leo Stan Ekeh or LSE is human by birth but profound, rare and has higher consciousness.

Imbued with deep intuition, intense creativity, and compassionate nature, Leo Stan possesses critical thinking ability.

He has relentless drive to succeed across multiple facets of life. This is a self-made construct driven by his deep spiritual and  purposeful living, rather than just mere survival.

Despite the recurring and abrupt reversal  of government policies, which leave companies including his hemorrhaging, Leo Stan has remained committed and actively participate in the development and nation-building of Nigeria.

Am one of the lucky people to have known him up close and personal for nearly 30 years.

He has endured lots of back biting and campaigns of calumny from competitors and even betrayals from least expected people.

But his tenacity makes him stand firm on his beliefs regardless of  feelings, or circumstances.

He has stumbled in businesses, failed in some ventures; but he always get right up.  At one point, he nearly lost his head selling international commodities.

LSE takes every loss with equanimity as a dogged fighter.

A serial entrepreneur and with eyes for great minds, Leo Stan does not just walk through life; he leaves a trail of light, lifting everyone around him with kindness and wisdom. And there are testimonials.

For me, he is a pillar of strength and a beacon of hope. My  benefactor.

He is also a benefactor to many. He has a way of making associates feel vital, loved, and valued.

Today is his Platinum Birthday but his roads have not always been paved with gold.

His early life was as ordinary as it can be, LSE attended Holy Ghost College, Owerri for his secondary education.

During his early years, he wanted to own the biggest transport company in Nigeria.

He later went to India for his university education, where he received a Bachelor of Science degree in Economics from Punjab University.

Leo Stan believes that studying in India was a great turning point in his life because he found the economy of India a realistic economy”.

He later also earned an MSc in Risk Management from the University of Nottingham.

At 70, he attained his height by trust in God, determination and CAN DO attitude.

Today, his  business opinions and advisory are  welcome around the world.

Leo Stan once told me “I saw myself from the beginning even when my parents were alive as an orphan. It drives me.”

He has three brothers and two sisters, His mother was a dietitian, and his father was a nurse

“I come from a lineage of people who served God dedicatedly. I am a miracle child and I remember my mother had always predicted that I would be great. I have siblings but I live my life as if I am the only child of my parents” he said

He believes that technology makes life more exciting and helps improve the lives of people around Nigeria and indeed the world.

His solid prints in the business world is well documented. He has his hands in his hands in several businesses including ICT, e-commerce, broadcasting, oil and gas, media publishing and real estate.

Leo Stan is a man of many firsts: he pioneered a new world of digital economy at a time the country was deeply analogue both in the workplace and in schools.

The Nigerian media industry, from advertising to newspapers, owes him much gratitude for changing their operational processes and methodologies from mundane, medieval analogue to the robust and elegant digital platform.

Within 30 years, he has transformed a start-up that sprouted from a make-shift apartment that also doubled as his home into a digital conglomerate with incursions into oil and gas, entertainment and property.

Leo Stan started Zinox Technologies Limited in 2001 to manufacture computers.

He ensured that at launch Zinox Computers already had the WHQL certification, the first in sub-Saharan Africa, consolidated 5 years later with the attainment of the NIS ISO 2000: 9001 QMS Certification.

In October 2013, the company announced the production of its computer tablet line named Zipad

Task Systems, Technology Distributions Limited, Konga (Africa’s foremost truly composite e-commerce outpost combining offline-online mix in service delivery), Konga Radio, and TD Mobile, to name a few, complete the ensemble of businesses in his thriving conglomerate.

In all his companies, there is a growth pathway for every employee.

He deliberately creates a system that rewards every hardworking and dedicated employee.

From drivers sponsored to universities and returning to the conglomerate as degree holders to persons who joined the organisation as janitors working their way up the corporate ladder, he has brought his humanity to bear on people around him.

Making some lowly staff home-owners and sponsoring indigent students to universities at home and abroad comes to him as a routine.

Just a few days ago, ahead of his 70th birthday, he offered University scholarships to additional 1,000 Nigerian indigent wizkids to study Computer Science in Federal Universities. He is committing about N10 billion to the scholarship scheme.

This is so the country’s private and public sectors have a new generation of tech wizkids to support the economy’s growth.

Recall that his group has trained and retrained over 3000 Nigerians and donated tech centres to over 25 institutions nationwide just to mention a few.

The former alter boy  and chorister in his local community Catholic Church at Ubomiri, now a multi-billionaire, has stayed humble.

He  draws a distinct line between capitalism and welfarism.

Leo Stan is  great man, a leader with unparalleled integrity and a heart of gold.

He  has earned over 6o international and local awards over many years of incisive entrepreneurship, was equally singled out and honoured by former President Olusegun Obasanjo on the occasion of Nigeria’s Independence Anniversary on October 1, 2001 with an ICON OF HOPE award as a pride to modern Nigeria and as a model for Nigerian youths.

Again, President Obasanjo honoured him with another national award – the Order of the Federal Republic (OFR) in 2003.

A Fellow of the Nigeria Computer Society, the umbrella body of all computer associations in Nigeria, he was also awarded the pioneer ICT Personality of the Year by this professional body.

In November 2019, Ekeh was honoured by President Muhammadu Buhari with the National Productivity Order of Merit award for his sustained leadership in the area of Information and Communications Technology (ICT).

With over four Doctorate Degrees (Honorary) and fifteen fellowships from recognized institutions and as a former global advisor to Microsoft, as well as Forbes Best of Africa Leading Tech Icon Award his outstanding entrepreneurship.

Leo Stan is Ochiririozuo Ubomiri, Ebekuo Dike, Ideato and Iyi of Mbaitoli

Above all these, he prioritizes family well-being as a loving, responsible and dependable rock.
He nurtures a positive home, respects his partner- Chioma, and dedicates time to actively engage with his children.
For, Leo Stan is more than a mentor—he is a teacher, a guide, and an inspiration.
My immense gratitude  for your patience, kindness, and for empowering me to overcome challenges.
I am forever grateful for your investment in my personal and professional growth.
At this his blessed age, he is not showing signs of tiredness, he is planning of the next positive disruption. His eyes are set on the next big bang for the benefit of mankind.
Sir, i tap into your grace and take charge of my own life and leave behind negative influences.
Happy birthday sir, may the years head be greater.

 


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