Section 3: Users of motor vehicles to be insured against third party risks.

(1) Subject to the provisions of this Act no person shall use, or cause or permit any other person to use a motor vehicle unless there is in force in relation to the user of that motor vehicle by such person or such other person as the case may be such a policy of insurance or such a security in respect of third party risks as complies with the provisions of this Act.
(2) Any person acting in contravention of this section shall be liable on conviction to a fine of four hundred naira or to imprisonment for one year or to both such fine and imprisonment and a person convicted of an offence under this section shall be disqualified for holding or obtaining a driving licence.
(3) A disqualification under the provision of subsection (2), unless the court for special reasons to be recorded otherwise orders, shall be for a minimum period of twelve months from the date of the conviction, and any person so disqualified for holding or obtaining a driving licence under the provisions of this section shall be deemed to be so disqualified under the provisions of the Road Traffic Laws.