Nigeria has called on member states of the Economic Community of West African States (ECOWAS) to address the widening digital gap that hampers cross-border motor insurance operations, warning that inadequate technology continues to delay claims settlement. The appeal was made during the inaugural 2026 zonal meeting of the ECOWAS Brown Card Scheme, where stakeholders pushed for coordinated digital reforms to enhance efficiency, transparency, and speed in processing cross-border claims.
Urgent Need for Digital Integration
Speaking at the forum, Commissioner for Insurance Olusegun Omosehin stressed that the urgency reflects broader transformations across the region's insurance landscape. “This meeting comes at a critical time for the West African insurance industry, as we respond to regulatory reforms, technological change, and the growing demand for deeper regional integration,” he stated. Omosehin urged compliance with operational standards and prompt settlement of valid claims.
Challenges of Uneven Digital Capacity
Chairman of the Council of Bureaux, Habib Dia, warned that uneven digital capacity across member states could undermine the scheme. “A system is only as strong as its weakest link,” Dia said, calling for aligned data systems, stronger cybersecurity, and sustained investment in digital infrastructure. He emphasized that without uniform digital advancement, the scheme's effectiveness would be compromised.
Secretary General of the scheme, Winfred Kwasi Dodzih, noted that Nigeria's renewed engagement would boost regional trade, cooperation, and employment, especially as operations shift from paper-based processes to digital platforms. He highlighted the importance of transitioning to fully digital systems to streamline operations.
A New Phase for the Brown Card Scheme
Chairman of the Nigerian National Bureau, Lucas Durojaiye, added that the scheme is entering a new phase requiring inclusive and interoperable digital systems across all member states. He stressed the need for collaboration to ensure that all countries can participate effectively in the digital transformation.
The ECOWAS Brown Card Scheme provides third-party insurance coverage for victims of road accidents involving foreign motorists and remains a key instrument supporting free movement within the region. The scheme aims to protect accident victims and facilitate seamless travel across borders.
