PRIME COVERINSURANCE COMPANY

YOUR LIFE. YOUR ASSETS. OUR PRIORITY.

Protecting
Every Journey.

Clear cover. Personal support. Insurance built around you.

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People.
Protected.Businesses.
Stronger.Communities.
Further Together.

Image 1 of 2: Protecting every journey

Motor insuranceFind cover for your vehicle›Renew your coverSpeak to our team›Claims supportGet help with your next step›

INSURANCE PRODUCTS

Motor cover for every journey.

Explore cover for private and commercial vehicles, with guidance from our local team at every step.

A couple beside their SUV on a coastal road

Motor Vehicle Insurance

Choose third-party, fire and theft, or comprehensive cover for your private or commercial vehicle. Start your motor application online.

Explore motor products
Explore cover & what to prepare

For private and commercial vehicles, discuss third-party, fire and theft, or comprehensive cover. Choose your vehicle category to see the current third-party premium and start a short application.

Have your vehicle registration and vehicle-use details ready. Our team confirms the premium, policy terms, limits, excesses and cover dates before you proceed.

THIRD-PARTY MOTOR PRODUCTS

Choose your vehicle. See your options.

Find the right category and start a short application.

Private cars Goods vehicles Buses Motorcycles Three-wheelers Taxis Motor trade road risk
Explore all third-party products →

Product availability, limits, excesses and exclusions are confirmed by our team. Your issued policy wording sets out the cover that applies.

REGULATORY REGISTRATION

Registered with SLICOM.

Prime Cover Insurance (SL) Ltd. is registered with the Sierra Leone Insurance Commission (SLICOM), the insurance regulatory authority in Sierra Leone.

Speak to our team →

MOBILE MONEY PAYMENTS

Pay your premium by mobile money.

Pay your premium conveniently using Orange Money or Afrimoney, without visiting our office.

Orange MoneyAfrimoney

Our team will confirm your premium and provide Prime Cover’s official payment details. Include your application or policy reference when paying and retain your transaction receipt.

We issue your policy documents after confirming receipt of payment. Cover begins on the effective date stated in your issued policy.

Get official payment instructions →
Prime Cover branded office illustrationOur vision for personal service · illustrative brand image

ABOUT PRIME COVER

Local understanding.
Personal support.

Prime Cover Insurance (SL) Ltd. is based in Freetown, providing motor vehicle insurance guidance for individuals and businesses in Sierra Leone.

Our approach starts with listening: understanding what you need to protect, explaining your options clearly, and helping you prepare the information needed for a quotation.

Clear explanations

We keep insurance simple and easy to understand.

Guidance with your documents

We’ll help you prepare the right information.

Support when you need it

Our team is here for you, from quote to claim.

Talk to Our Team

COMMERCIAL MOTOR & FLEETS

Keep your business vehicles moving.

Cover for a single commercial vehicle or a growing fleet. Tell us how your vehicles are used so our team can guide you to the right motor option.

  • Motor cover options for commercial vehicles
  • Personal support from a local team
  • Guidance for your vehicle use and fleet size
Discuss your fleet

MOTOR COVER LINES

Three levels to match your needs.

Explore the differences and discuss the cover that fits your vehicle and budget.

  • Third Party Only — third-party liability cover
  • Third Party, Fire & Theft — adds fire and theft cover
  • Comprehensive — broader cover, subject to policy terms
Enquire on Motor Cover

HOW IT WORKS

A clearer route to cover.

01

Tell us what you need

Share your vehicle details, how you use it and the cover you need.

02

Understand your options

We’ll explain the cover that fits your needs.

03

Pay by mobile money

Once your premium and terms are confirmed, pay using Orange Money or Afrimoney and the official payment details supplied by our team.

04

Receive your policy

We confirm payment and issue your documents. Our team stays available for policy and claims support.

CUSTOMER SUPPORT

Help throughout your policy.

Choose the support you need and our team will guide you through the next step.

Claims

Contact us promptly after an incident. Have your policy reference, incident date and a brief account of what happened ready. We will explain the documents and next steps.

Get claims support →

Renewals

Get in touch before your policy expires. Share your policy reference and any changes since your last renewal so we can confirm your options, premium and dates.

Discuss a renewal →

Policy changes

Need to update your contact details, vehicle information or insured activity? Tell us what has changed. Our team will review the request and confirm any policy amendment.

Request a policy change →

Payment assistance

Get official payment details for Orange Money or Afrimoney, or help checking a payment. Keep your application or policy reference and transaction receipt ready.

Get payment help →

Call or WhatsApp our Freetown team Monday to Friday, 9:00–17:00 GMT. For an enquiry outside office hours, leave a message with your contact details.

CUSTOMER ASSISTANCE

What can we help you with?

Find quick answers to common questions, or get in touch with our team.

How do I request a quote?

Use “Insure Online” to submit a motor application, or complete the enquiry form below for guidance on motor cover. You can also contact us on WhatsApp. Our team will explain the options and next steps. An application or enquiry does not activate cover.

What documents will I need?

For motor enquiries, have your vehicle registration details and identification available. Requirements vary by cover; our team will confirm the documents needed. Please do not send identity documents through this website.

How do I report a claim?

Contact our team promptly with your policy reference and a brief description of what happened. We’ll guide you through the next steps and supporting documents. If anyone is injured or in danger, seek emergency assistance first.

Get claims support →
Can I pay without visiting the office?

Pay your premium conveniently using Orange Money or Afrimoney, without visiting our office. Our team will confirm your premium and provide Prime Cover’s official payment details. Include your application or policy reference when paying and retain your transaction receipt. We issue your policy documents after confirming receipt of payment. Cover begins on the effective date stated in your issued policy.

Get official payment instructions →
When does my insurance cover begin?

Submitting an application does not activate cover. Our team confirms the policy terms and effective dates in writing. Ask for confirmation before relying on insurance protection.

Can I discuss several business vehicles?

Yes. Share a vehicle list and describe how your business uses them. Our team will explain the information needed for a commercial motor or fleet enquiry.

Prime Cover Insurance Company

YOUR DIGITAL EXPERIENCE

Online services.
Personal assistance.

Start a motor application or open vehicle verification. Customers and approved agents can sign in to view their linked policy records.

My Portal →Verify a Vehicle →
New to My Portal? Create a customer account with your phone or email. Approved agents can contact our team for access.

LET’S START A CONVERSATION

Let’s talk about
your cover.

Tell us what you would like to protect or where you need support. Your enquiry goes to our team for follow-up.

Call us
+232 71 960 000
WhatsApp Business
+232 99 950 001
Email
inquiries@primecoverinsurancesl.com
Office hours
Monday–Friday · 9:00–17:00 GMT
Freetown, Sierra Leone
Chat on WhatsApp

Send an enquiry

Fields marked * are required.

Please do not include payment details, identity documents or medical information. Sending an enquiry does not create an insurance contract.

Let’s get you covered.

Clear cover. Personal support. A brighter Sierra Leone.

Request a Quote →◉   Chat on WhatsApp