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Frequently Asked Questions

  • Who is STI?

    STI commenced business in January 1995 following the restructuring and recapitalization of the then Grand Union assurances Limited. We operate currently through a network of branches Nationwide with our Head Office on 17, Adetokunbo Ademola Street, VI, Lagos. The company is licensed as an insurer by the Federal Government with authority to underwrite all Classes of Non-Life business.

  • How does the insurance sector work?

    The insurance sector is made up of companies that offer risk management in the form of insurance contracts. The basic concept of insurance is that one party, the insurer, will guarantee payment for an uncertain future event. Meanwhile, another party, the insured or the policyholder, pays a smaller premium to the insurer in exchange for that protection on that uncertain future occurrence 

  • How can I get more information on STI plc’s financial performance?

    Our financial statements are published on our website, click here. You can attain more information from the site or call our customer service team on 0700-STIPLC

  • Can I transfer my insurance cover from my sold car to my new car?

    Yes. The insurance cover can be cancelled, and existing cover transferred. However, you may be required to make additional payment depending on the value of your new car.

  • How do I report a claim online?

    You can initiate/report your claim on our website by “clicking here” and filling all required information.

    To enable a smooth and prompt processing of your claim, the following documents would be required for THIRD-PARTY:

    • A completed Claim Form

    • A copy of a valid Vehicle License

    • Pictures of the damaged vehicle

    • Estimate of repairs from a garage/ vehicle workshop

    • If a Third Party is involved, letter of acceptance of liability from the Third Party/ Third Party Insurance Certificate/ Police Report

    For a THEFT-CLAIM, kindly provide us with the following:

    • Police Report
    • Driver’s licence
    • Purchase Invoice/Receipt
    • Original & spare of Ignition Key (if vehicle was stolen in a stationary position)
    • Original Certificate of Insurance, Road Worthiness, Vehicle Licence, Proof of Ownership
    • Letter of Transfer of Ownership to Sovereign Trust Insurance plc  (If the vehicle is found later)

    Alternatively, you can contact our claim team via email - claims@stiplc.comor call 0700-STIPLC.

    We can help you arrange vehicle repair service and towing if you need it. If you prefer to use your own repair shop, you can do that as well.

    Kindly submit all requested documents by email to or by post to Sovereign Trust Insurance plc, No 17, Adetokunbo Ademola, Victoria Island, Lagos.

  • Can I renew my policy online?

    You can renew your policy via Quickteller and on our mobile application

  • Do you provide cover for life insurance?

    We do not cover life insurance

  • Where are your branches situated?

    You can check the Contact Us page on our website, click here

  • How do I know if my insurance cover is valid?

    You can check on

  • Where can I get quote for your products?

    You can get our quote from the Home page of our website, click here