Frequently Asked Questions

For further questions, please send an email to ecare@cornerstone.com.ng


Airtel Insurance is the first FREE life and hospital cash insurance policy via mobile in Nigeria. It is open for all Airtel subscribers (pre-paid and post-paid**) aged 18-65 years old.

Airtel Insurance covers two events: Death and Hospitalisation. The subscriber qualifies for a cash pay-out in event of the following, depending on the value of airtime recharged each month. The more you recharge, the more cover you have; up to N 500,000 on life cover, and up to N 50,000 per hospitalisation, subject to maximum of 4 hospitalisations per year.

Monthly Recharge* Life Cover Hospital Life Cover
This Month Next Month  
N 1,000 N 100,000 N 10,000
N 5,000 N 250,000 N 25,000
N 10,000 N 500,000 N 50,000

*Recharge qualification is cumulative for the month

*Post-paid customers qualify based on monthly usage

1. Dial *259# and follow menu to register for FREE. You will receive confirmation message.
2. The more Airtel airtime you recharge, the more life and hospital cash insurance you accrue. You will receive one SMS message each month informing you of how much cover you are entitled to for that month.
3. You must spend a minimum of 3 consecutive days in a hospital in order to qualify for hospital cash.

Download FAQs Airtel Insurance

Download Terms and Conditions

GPP is Nigeria's first Original Equipment Manufacturer (OEM) agnostic additional warranty service that eliminates the frustration of a broken device. The policy covers repairs in the event of accidental damage to items like Smart phones, Tablets, Televisions, Home Entertainment, Laptop sand PC's, Printers and Games consoles.

The Gadget Protection Plan is designed to cater for discerning consumers who desire the security and peace of mind associated with the purchase of their dream devices. Product is now available at leading retail and online store; Konga

Visit http://www.cornerstone.com.ng and highlight the banner 'buy insurance in 5minutes' or highlight the 'e-insurance' button, select the product of interest and provide the necessary details requested on the screen then make payments via ATM cards.

Online gives you the opportunity to purchase a policy 24/7 anytime, any day of the week via the internet which always gives discount premium on policies compared to manual process.

No, the platform doesn't accept installmental payment; it is only in products which have payment frequency (Monthly,Quarterly, Half Yearly & Yearly) such as Investment Plans.

The Minimum Annual Premium payable on Life Investment Policy Is N60,000.00.

Yes, the platform has flexible payment options for users to choose from. When a user arrives on the payment page during purchasing any of our insurance products, select Bank Transfer to partially end the transaction and upon payment confirmation, the insurance documents will be sent to the email address immediately.

Send a formal letter to ecare@cornerstone.com.ng stating your desire to increase or decrease the subsequent payment to a specific amount and an endorsement letter will be forwarded to you on same to that effect

Send a formal letter to ecare@cornerstone.com.ng stating your desire to change details on your policy

The moment payment is successful, an E-Receipt will be forwarded to your email address which you provided during the purchase of the policy

After the completion of a policy and payment was successful, the certificate and policy document will be forwarded via email.Only online products like Full Comprehensive motor cover and Maximum Investment Plan receive a policy document, however for Full Comp motor cover the client receives policy document only after inspection of vehilce insured has been accomplished by our Underwriter (within 72 hours) while MIP the client receives policy document via email within 72 hours.

Home Insurance provides financial protection against disaster such as buglary, lightening, fire and flooding. You can insure the building and it's property or either one of them individually.

The cost to rebuild your home if it's damaged should be the amount needed to insure it. Ie Present value of home.

Your name which was used in opening of the policy, your phone number, and your policy number.

  • Also if you do not remember your policy number, send your name which was used in opening the policy, phone number and the address filled on the proposal form.
  • Alternatively, you may visit a branch if you feel you need to address any issue regarding your statement of account.
  • Send a mail to enquiries@cornerstone.com.ng using PERSONAL DETAILS UPDATE as the subject
  • Then provide us with the details you would want us to update on your policy account alongside your policy number.
  • If you are changing your address, kindly provide us with the current address and a utility bill to that has the current address to back up the change.
  • Utility bill can be either electricity bill, water bill, or tenancy agreement or receipt.
  • Log on to https://cornerstone.com.ng/products click on motor Insurance and then click on third party policy to complete your transaction.
  • If you encounter any issue on the portal as regards the third party transaction please send a mail to ecare@cornerstone.com.ng copying enquiries@cornerstone.com.ng
  • If unable to process via our e-channel route please send a mail to enquiries@cornerstone.com.ng using THIRD PARTY MOTOR INSURANCE as the subject, then provide us with the following details; vehicle license, driver license, phone number, email address, residential address and your evidence of payment. You will receive an acknowledgement and certificate will be issued upon payment confirmation.
  • Payment can be made into this account: 00000000000
  • I need a loan(only for Life savings policy holders)
  • Simply send a mail using the subject REQUEST FOR LOAN then provide the following details; policy number, and phone number.
  • Only 70% of your fund balance will be processed and paid into your account. Terms and conditions applies.
  • Send an email to claimscare@cornerstone.com.ng
  • Go to this link cornerstone.com.ng/claim/MQ==
  • Log on to our website www.cornerstone.com.ng and make an online claim

Lone Accident

  • Completed Accident claim form
  • Estimate of repairs on a garage’s letterhead
  • Photographs showing the registration number and damage areas of a vehicle

When a negligent third party is involved

  • All required documents for the lone Accident
  • Certificate of Insurance of the Negligent third party;
  • Photocopy of the Negligent third party driver’s license;
  • Undertaking letter from the Negligent third party admitting liability


Vandalized vehicle

  • Completed Vandalized claim form
  • Estimate of repairs on a garage’s letterhead
  • Photographs showing the registration number and damage areas of a vehicle
  • Police report

Stolen Vehicle

  • Completed claim form
  • Original purchase receipt/invoice
  • Original vehicle license
  • Original proof of ownership
  • Original certificate of insurance
  • All keys
  • Interim Police Report
  • Final Police Report(After the conclusion of the investigation)
  • Customs Entry papers / Import papers
  • Letter of Transfer of ownership from the insured to insurer
  • All required documents must be submitted for each type of motor claim
  • An engineer will be appointed to visit the garage or inspect the vehicle within 24-48 hours after documents must have been submitted.

Immediately the accident occurs or within 30 days of the incident.

Within 3 working days - 72 working hours after receipt of the executed discharge Voucher.