General News
Saving Tips on New Car Insurance
Buying a new car is a pleasant experience and every one’s delight. However one could be in for a surprise if you learn about the shocking premiums you would be paying on a new car. New car insurance can vary widely from one body style to another. For example, you may know that sports cars cost more to insure than others in family category.. That general rule of thumb does not just apply to traditional sports cars; it also applies to the two-door versions of popular family sedans such as the coupe version of the Honda Accord. That’s because people who drive these cars statistically tend to drive more aggressively than their sedan counterparts, making them a greater risk and causing their insurance rates to rise. Interestingly, convertibles tend to have lower insurance rates unlike the hardtop counterparts.
Interestingly also, since bigger cars are safer, you might think that larger vehicles are cheaper to insure. This is not always the case. The largest cars can inflict more damage on smaller cars in a collision, which may result in costlier repairs thus leading to higher insurance rates. Like body style, the car’s engine and transmission often can affect the insurance rate. Generally, the greater the horsepower, the higher the cost of new car insurance, even when you are considering the same car with a variety of engines. When it comes to transmissions, cars with manual transmissions are generally more costly to insure than those with automatic transmissions. An exception to this rule is the pickup, which often has a manual transmission because of its use as a work or tow truck. The reason for the higher rates again relates to the typical driver. Those behind the wheel of cars with higher horsepower and manual transmissions tend to drive more aggressively and become involved in more collisions. While body style, engine size and transmission type are all major factors in the way that rates are computed for new car insurance, rates can vary for similar, competing vehicles primarily due to their safety ratings and their likelihood of being stolen. To drive home this point, a comparism of similarly equipped versions of the 2010 Honda Civic and the 2010 Nissan Altima showed that the Civic cost less to insure on average over a five-year span. It is advisable to seek expert opinion when making a choice.If your new car insurance is not providing you with all these benefits then take time to ensure you are getting the best rates. You and your family deserve to have insurance you can depend on to be there when you need it and without any hassle. You have enough to worry about, especially in these days of economic stress .Let your new car insurance be one thing you can depend on. When one is unfortunate to be involved in a car accident the last thing you need is the added stress of an insurance company that is difficult to reach or delays in processing your claims. Too many people are paying too much for their new car insurance without being aware of the better options alternative insurance companies are offering. When you are purchasing new car insurance are you being offered GAP insurance in case your car ever becomes totaled? Without this important aspect of new car insurance you could be responsible for a large sum of money when you least expect it. Some insurance companies will charge more for your new car insurance policy simply because of the age of your vehicle, but a fair company will take into consideration your good driving record and discount your rate accordingly. Make sure you have the insurance you need at the best price here.
Prompt Claims Payment: Crucial to Survival of Underwriting Firms – Experts
To be able to rise up to prompt payment, insurers have been further charged to shorn in- fighting and sharp practices, by charging adequate premium that could carry the volume of expected claims. Analysts believe that insurance firms must adhere to this by making sure that risks brought before them are properly assessed before premiums are charged. Corroborating this position, Mr. Raymond Odamo, managing director, Afromart Group said insurers should publicise claims payment as a way of enhancing the egative image of the industry and boosting public confidence. He commended some of the insurance companies who inspite of the perceived secrecy in claims payment, have been publicizing claims paid out to clients. "One of the major challenges facing the local insurance industry, besides the negative image problem and poor awareness among the insuring public, is the correct assessment of risks. Once risks are correctly assessed, it becomes easy to charge the right technical price. Industry experts believe that much as insurance is based on the understanding that claims are paid from a pool of premiums from similar risks, it is logical that when losses occur, the pricing of the risks will go up at renewal.
The practice over time has been accusations and counter accusation between underwriters and reinsurers on one hand and between insurers and the insuring public on the other. Rather than point fingers at each other, he stressed that it is time for insurers to check their rates and make them commensurate with the exposures they cover while also paying the claims when the need arises.. Besides, he said it should be noted that reinsurers basically provide capital to insurance companies and this costs money, stressing that that when the cost of capital increases, cost of reinsurance also increases. Considering the relationship of adequate premium with prompt claims payment he enjoined stakeholders to always include underwriters, intermediaries and the regulators in every facet of insurance business. While emphasizing that responsible underwriting and professional claims handling can only serve to improve the image of the industry in the eyes of the buying public, he called on the National Insurance Commission (NAICOM), to adopt a policy of compulsory claims payment declaration as a tool to boosting public confidence.
It would be recalled that Sovereign Trust Insurance (STI) in its traditional style of letting the public know its claims payment profile, recently released its claims paid out last year. According to a breakdown of claims paid by the company from January-September 2009, the underwriting firm has settled claims totaling N425, 458,581.89 in the last nine months.
A rundown of the figures showed that a total of N138 million was paid in the first quarter, N173 million in the second quarter while N114 million went into claims settlement in the third quarter.
Claims paid under Motor Insurance amounted to N220, 843,530.59 (representing 52% of the total figure), according to the Head of Claims Department in the organization, Emmanuel Anikibe, Fire and General Perils Insurance accounted for N48, 605,626.69 while a total of N110, 181,338.39 was settled as Claims under General Insurance within the Nine Months period under consideration. Other figures provided are Marine Insurance N13, 463,627.23, Engineering Insurance N17, 650,878.03 and Energy Insurance N14, 713,580.96.
While commenting, the Managing Director of the Organization, Mr. Wale Onaolapo stated that Claims payment is key and paramount to the survival and reputation building of any underwriting firm in the country.
In his words “whenever the need arises to pay claims as at when due, we do not see it as doing our customers a favour or doing anything out of the ordinary; we are only fulfilling the promises we made at the point of picking up the business.” “We are obligated to settle claims as at when due and we will do all in our capacity to ensure that we do not disappoint when it matters most” The whole essence of insurance is premised on restoring to former status even after the mishap. I enjoin Nigerians both individuals and corporate organisations to see insurance an integral part of our lives just as we live with risk on a daily basis.
Stating further, Onaolapo said “we are forever committed to our vision of being a leading brand providing insurance services of global standards hence professionalism, integrity and sound corporate governance are values we hold in high esteem and abide by in the day to day running of the organization.
STI has over the years, demonstrated commitment to optimally maintaining a leading position in the industry in Nigeria. According to recent ratings, the underwriting firm has shown a great deal of consistency with a lot of potentials for growth in the years to come. In terms of peer to peer performance the company is also doing very well when compared to other Insurers in terms of capital, assets, gross premium income, investment income and net premium income .Odamo urged NAICOM to emulate the on-going reforms in the banking sector by totally overhauling the insurance industry and shed it of all its negative attachments.
General News
Court Jails ‘Colonel’, ‘Major’ of Global Money-Laundering Ring

A “colonel and a major” in a “worldwide highly sophisticated money-laundering syndicate on a breathtaking scale” have been jailed for nine years and 7 and half years respectively.

Ejike Francis Ogbuefi (42) of Clonard Road, Crumlin, Dublin 12, and Steven Silvester (32) of the Paddocks, Morristown, Newbridge, Co Kildare, were both convicted of directing the activities of a criminal organisation following a trial at Dublin Circuit Criminal Court in February.
Ogbuefi was also convicted of 32 counts of money laundering and seven of conspiracy to launder money.
The jury also convicted Silvester of five counts of money laundering, two of attempted money laundering, four of conspiracy to launder money and one of using a false instrument.
Both defendants had no previous convictions here or in another jurisdiction.
The court heard that both men were assessed to be above mule herders and money mules in the operation, with Ogbuefi having a more active role.
During the sentence hearing, Judge Martin Nolan suggested to the investigating garda that the men were a “colonel and a major”, which Det Garda Steven Kelly agreed with.
Imposing sentence on Friday, the judge said both men were involved in the offending and played certain roles.
He noted that the scheme’s ambition was to “get accounts to launder illicit monies” which were “undoubtedly the product of criminal behaviour” and that third parties unknown to the court suffered as a result.
“Both men were reasonably experienced in how the banking system works” and aware of its weaknesses which they tested, sometimes successfully, the judge said.
The judge said he had considered the mitigation and there was a “good chance” the men would not reoffend in future, but that the court could not be certain.
The judge noted that money laundering is a “serious problem” and the court often dealt with cases of people who provided their bank details to be used in these schemes.
“These bank accounts are absolutely necessary for all fraud, because monies have to come to earth somewhere,“ the judge said, noting that the defendants’ main role was to procure bank accounts so that money could be sent to others who profited.
He imposed on Ogbuefi a sentence of nine years and imposed a 7½ year sentence on Silvester, whom he considered to be at a lower level.
Kelly told Seoirse Ó Dúnlaing, prosecuting, that the Garda investigation looked at various bank accounts, transactions and online communications.
Evidence suggested both men were receiving requests, often from phone numbers in Nigeria, to launder money from different types of frauds.
Kelly agreed with Conor Devally, defending Ogbuefi, that his client is from Nigeria and his family is law-abiding.
Garda Kelly agreed with Maurice Coffey, defending Silvester, that his client became involved in this criminality some time after his arrival in Ireland in 2015 and had no record of shopping in high-end stores or trappings of wealth.
It was also accepted that Ogbuefi appeared to have a more active role than Silvester.
Defence counsel told the court their clients accepted the verdicts of the jury and were remorseful.
Testimonials were handed to the court on behalf of both men.
Mr Devally asked the court to view Ogbuefi as being “appointed to a position of local authority in a wider organisation”.
Mr Coffey said Silvester was under pressure and desperate at the time.
He asked the court to consider that his client did not come to Ireland to get involved in this offending, but fell into temptation at a time of vulnerability.
General News
Activist Warns against Rising Junk Food Culture in Nigeria

Nnimmo Bassey, environmental activist and food sovereignty advocate has raised concerns over the growing influence of junk food culture and global food politics on Nigeria’s food systems.

Nnimmo Bassey, environmental activist
Bassey warned that the increasing consumption of highly processed foods poses serious risks to public health, cultural identity, and national food security.
He made these remarks on Thursday while speaking at the Sustain-Ability Academy lecture on Food, Power and the Politics of Hunger, organised by the Health of Mother Earth Foundation in collaboration with the University of Port Harcourt.
“Food is not just for sustenance; it is central to our identity, our relationships, and our traditions,” he said.
He explained that traditional diets reflect the diversity of Nigeria’s ethnic groups and have historically fostered unity within communities.
Bassey traced the evolution of food systems in Nigeria, highlighting how colonialism, commerce, and conflict have reshaped local diets.
He referenced the Nigerian Civil War as a turning point when food was weaponized, leading to widespread malnutrition and long-term dietary changes, particularly in the Eastern region.
The activist criticized the rapid rise of fast food consumption, describing it as a product of modern society’s demand for instant gratification.
According to him, fast food outlets use sensory stimulation, bright lighting, loud music, and constant visual entertainment to distract consumers from questioning the nutritional value of what they eat.
“People leave with more than just a full stomach, they carry heavy metals, artificial colourings, and harmful substances in their bodies,” he said.
Bassey also expressed alarm over the increasing presence of genetically modified organisms (GMOs) in Nigeria’s food system.
He argued that such products, often introduced without sufficient scrutiny, could have long-term health and environmental consequences.
He further cautioned against the role of political leaders in normalizing unhealthy consumption patterns.
“When top politicians publicly consume junk food and sugary drinks, they send a dangerous message that such habits are acceptable or even desirable,” he said.
At the heart of his argument is what he described as “food colonialism” a system driven by global power dynamics, where economic pressures, debt, and cultural influence shape local food choices to benefit multinational corporations at the expense of local farmers.
Bassey called for a “decolonization” of food systems across Africa, urging governments and citizens to prioritize indigenous foods, protect seed-sharing traditions, and resist policies that undermine local agricultural practices.
He also challenged prevailing narratives around hunger, questioning whether food insecurity is truly a result of low productivity.
“In countries like Nigeria, nearly half of all food produced goes to waste. The issue is not just production, but distribution, policy, and power,” he explained.
The session concluded with a call for urgent reforms to ensure fairness, resilience, and sustainability in food systems, with a focus on supporting smallholder farmers and addressing the structural causes of hunger.
General News
Gartner Forecasts Surge in AI-powered Public Services

At least 80% of governments will deploy artificial intelligence (AI) agents to automate routine decision-making, enhancing efficiency and service delivery by 2028.

This is according to market research firm Gartner, which highlights a growing shift toward digital governance, where AI-powered systems will increasingly handle repetitive administrative tasks, such as processing applications, managing public records and responding to citizen queries.
“Government chief information officers are under growing pressure to embed AI into decision-making capabilities rapidly and responsibly,” says Daniel Nieto, senior director analyst at Gartner. “The rise of multimodal AI, alongside conversational and agentic systems, has expanded what public organisations can automate, understand and anticipate.”
The Gartner report comes as South Africa is moving to embed AI into public administration, with early use cases emerging across service delivery, disaster response and internal operations, even as full-scale deployment of autonomous “AI agents” remains some years away.
The country’s National AI Policy Framework, released in 2024, has set the direction for adoption, with a comprehensive national policy expected by 2027.
Implementation is likely to follow from 2027 onwards, positioning the country for a more structured and regulated rollout of advanced AI systems across departments.
While South Africa has yet to deploy AI agents at scale, government and research initiatives indicate that agent-like systems are already taking shape.
Global use cases
Globally, governments are rapidly deploying AI agents to automate public services and internal operations, shifting from simple chatbots to systems that can execute tasks and coordinate workflows.
In the US, federal and city agencies are using AI agents to handle citizen queries, draft documents and manage call centres, while in China, autonomous systems are being integrated into administrative processes and urban management.
European governments are piloting AI-driven tools in policing and public service delivery, and in emerging markets, agentic platforms are being used to improve disaster response, financial inclusion and digital identity systems.
However, Gartner notes that fragmentation is one of the most persistent barriers to AI value in government.
According to a Gartner survey of 138 respondents from government organisations worldwide between July and September 2025, 41% of respondents cited siloed strategies and 31% cited legacy systems as key challenges to adopting and implementing digital solutions.
“Technology modernisation alone has not resolved these issues,” says Nieto.
The market analyst firm says as AI transitions from experimentation to being deeply embedded in decision-making, governance approaches must also evolve. It points out that traditionally, AI governance has centred on managing models, data and algorithms.
However, it states that decision intelligence (DI) shifts this focus towards the governance of decisions themselves; for example, on how they are designed, executed, monitored and audited. This shift in governance is especially critical in government, where public legitimacy relies on transparency and fairness, the firm explains.
Measurable impact
The Gartner survey found that 39% of respondents cited improved service and citizen satisfaction as primary reasons to invest in building citizen trust.
The firm notes that DI offers a structural foundation for operationalising this trust by making decision pathways explicit and auditable.
“By governing decisions, rather than just isolated AI components, governments can better balance automation with human judgement, particularly in high-stakes or rights-impacting contexts,” says Nieto. “Regulated industries and governments cannot rely on opaque ‘black box’ systems for consequential decisions. DI elevates explainability from a technical requirement to a governance imperative.”
Because of the need for transparency in decision-making, Gartner predicts that by 2029, 70% of government agencies will require explainable AI (XAI) and human-in-the-loop (HITL) mechanisms for all automated decisions that impact citizen service delivery.
Gartner explains that XAI and HITL designs are foundational to public-sector DI. These mechanisms ensure decision logic can be inspected, explained and challenged. Because of XAI and HITL, humans also retain authority over exceptions, appeals and high-risk cases, and accountability is preserved even as automation increases, it adds.
While efficiency remains important, Gartner says citizen trust in government’s ability to provide effective services is becoming a key driver of digital transformation. Fifty percent of government respondents cited improved citizen experience as one of their top three priorities.
“As AI and decision intelligence increasingly automate and streamline service delivery, the traditional notion of ‘citizen experience’ evolves,” says Nieto.
“When citizens receive what they need from the government automatically, direct interactions may decrease, making trust in the system’s reliability, fairness and transparency even more critical. Because trust is so imperative in these situations, the predictive capacity to anticipate potential needs could reshape how government digital services are delivered.”
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