The Federal High Court in Abuja has restrained the Nigeria Police Force and the Federal Road Safety Corps from imposing fines on motorists over third-party motor vehicle insurance without a court order.
The ruling followed a suit marked FHC/ABJ/CS/291/2025 filed by activist-lawyer, Deji Adeyanju, against the Inspector-General of Police, the Attorney-General of the Federation and the FRSC.
Delivering judgment on Friday, Justice Hauwa Yilwa held that while both the police and the FRSC have the power to enforce compliance with third-party motor insurance, they lack the legal authority to impose fines on alleged offenders.
The suit was initiated through an originating summons, brought pursuant to Section 17 of the Motor Vehicles (Third Party Insurance) Act, 1950, Sections 68(3) and (4) of the Insurance Act, 2003, as well as provisions of the Federal Road Safety Commission (Establishment) Act, 2007.
Adeyanju asked the court to determine whether the police could enforce third-party insurance, impose fines without judicial backing, and whether such enforcement during routine stop-and-search operations violated constitutional rights .He also sought a declaration on whether the power to enforce third-party motor insurance lies exclusively with the FRSC.
In addition to the declaratory relief, the applicant requested orders of perpetual injunction restraining the police from enforcing third-party insurance and from imposing fines without judicial backing. He further urged the court to hold the Attorney-General of the Federation accountable for providing legal guidance on the scope of police powers under the relevant statutes.
However, in its judgment, the court drew a distinction between enforcement and sanctioning powers. Counsel to the applicant, Marvin Omorogbe, said the court upheld the authority of both the police and the FRSC to ensure compliance with motor vehicle insurance laws but firmly ruled against the imposition of fines by either agency.
