Executive Passenger Protection Scheme (EPPS)
A technology-driven and professionally administered passenger protection solution giving commuters travel confidence across Nigeria.
What is EPPS?
EPPS stands for Executive Passenger Protection Scheme—a technology-driven and professionally administered passenger protection solution that combines technology, operational excellence, and licensed insurance underwriting to give passengers greater confidence every time they travel.
Why EPPS?
Every day, millions of Nigerians travel by road, rail, and sea, yet many do so without any clear understanding of the protection available to them in the event of an accident. EPPS was conceived to change this reality by making passenger protection simple, affordable, and accessible. Our goal is not only to support claims when incidents occur but to build confidence, trust, and a stronger culture of safety across Nigeria's transport sector.
Commuter Vehicle Verification Guidelines
If you are traveling in a vehicle displaying the official EPPS sticker, your journey is protected under the Scheme. To verify:
- 👉 Ensure your full name and next-of-kin contacts are registered on the passenger manifest prior to departure.
- 👉 Call our 24/7 Hotline at +234 812 139 3125 for instant journey verification.
What do I get When I travel on an EPPS-enabled journey:
Digitally Registered
Your journey is digitally registered on the passenger manifest prior to departure.
Protection Activated
Your financial protection & emergency cover is live once the manifest is sealed.
Receive Confirmation
You receive instant confirmation via SMS with your unique journey reference code.
Protection Verified
Your protection status can be verified online or by phone using your journey ID.
Emergency Assistance
You have 24/7 immediate access to rapid emergency dispatch via our hotline (+234 812 139 3125).
Defined Claims Pathway
You have a transparent, defined claims pathway underwritten by licensed insurers.
Protection Benefits & Premium Tiers
Protection fees are integrated directly into commercial transport ticket fares for 100% automated coverage.
Intra-State Small Bus
Short-distance intrastate transit protection per passenger ticket
Inter-State Small Bus
Standard interstate travel protection across commercial bus corridors
Inter-State Executive & Charter
Executive bus, charter shuttle, & long-distance coach protection
Executive Luxury & VIP
First-class VIP liner & luxury passenger transport protection
Financial Protection Payout Schedule
Accidental Death Benefit
Compensation paid to the named next-of-kin if an insured passenger loses life due to a covered travel accident.
Permanent Total Disability
Full compensation payout for total permanent loss of earning capacity caused by a covered transit accident.
Permanent Partial Disability
Proportionate financial payout based on impairment schedule following a covered accident.
Medical Expenses Cover
Reimbursement of reasonable, necessary medical care expenses resulting directly from a covered accident.
Emergency Evacuation
Ambulance dispatch and critical emergency evacuation to accredited trauma centers.
Hospital Cash Allowance
Daily financial stipend during post-accident hospital admission (up to 10 days max).
Scope of Coverage: People, Not Property
EPPS is engineered to protect human life, dignity, and emergency health. The Scheme does NOT cover physical vehicle repairs, personal luggage loss, or commercial cargo.