YOUR LIFE. YOUR ASSETS. OUR PRIORITY.
Clear cover. Personal support. Insurance built around you.
OUR SERVICES
From everyday journeys to growing businesses, we offer flexible insurance solutions
designed for Sierra Leoneans.
Third-party, comprehensive, and additional cover options to keep you moving with confidence.
Enquire Now →For private and commercial vehicles, discuss third-party, fire and theft, or comprehensive cover. The right option depends on your vehicle, its use and the protection you need.
Ask about permitted drivers, business use, policy limits, excesses, exclusions and the effective dates. Have your registration and vehicle details ready.
Protect what matters most. Discuss cover for your home, contents and personal belongings.
Enquire Now →Tell us about your household, belongings and personal protection needs. Our team will explain available options and the information required to assess your enquiry.
Describe the property, items to be protected and your main concerns. Ask which events are covered, what is excluded and how values are assessed.
Discuss cover for businesses, fleets, equipment and more. Because your business keeps Sierra Leone moving.
Learn More →From one business vehicle to a growing fleet, bring your operating needs into the conversation. Discuss vehicles, premises, equipment and staff-related risks.
A vehicle list, how the vehicles are used, the nature of your business and any existing cover help our team guide your enquiry.
Product availability, limits, excesses and exclusions are confirmed by our team. Your issued policy wording sets out the cover that applies.
Our vision for personal service · illustrative brand imageABOUT PRIME COVER
Prime Cover Insurance (SL) Ltd. is based in Freetown, with a focus on practical insurance guidance for individuals, families 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.
We keep insurance simple and easy to understand.
We’ll help you prepare the right information.
Our team is here for you, from quote to claim.
BUSINESS & FLEET
Whether you run a single vehicle or a growing fleet, discuss tailored cover for your business.
MOTOR COVER LINES
Explore the differences and discuss the cover that fits your vehicle and budget.
HOW IT WORKS
Share a few details about your vehicle or business.
We’ll explain the cover that fits your needs.
Review the terms and confirm your policy with our team.
We’re here whenever you need us.
HERE BEYOND THE QUOTE
Contact us as soon as you can after an incident. Have your policy reference, incident date and a brief account of what happened ready. Our team will explain the documents and next steps for your policy.
Ask for claims assistance →Get in touch before your policy expires. Let us know about changes to your vehicle, contact details or business use so we can guide you through a renewal or policy update.
Get policy support →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.
+232 71 960 000 →CUSTOMER ASSISTANCE
Find quick answers to common questions, or get in touch with our team.
Use “Insure Online” to submit a motor application, or complete the enquiry form below for guidance. You can also contact us on WhatsApp. Our team will explain the options and next steps. An application or enquiry does not activate cover.
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.
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 →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.
Yes. Share a vehicle list and describe how your business uses them. Our team will explain the information needed for a business or fleet enquiry.
Eligible customer referrals earn 5% and approved agents earn 8% of total premium paid on attributed issued policies. Registration alone does not earn commission. Our team confirms eligibility; approved payouts follow your weekly or monthly schedule.
View referral earnings →
YOUR DIGITAL EXPERIENCE
Start a motor application or open vehicle verification. Customers and approved agents can sign in to view linked policy records, referral earnings and payout history.
New to My Portal? Contact our team for your private account invitation.LET’S START A CONVERSATION
Tell us what you would like to protect or where you need support. Your enquiry goes to our team for follow-up.
Clear cover. Personal support. A brighter Sierra Leone.