Okada and keke
Your bike is how you eat. If it's stolen, crashed or burnt, we help you get back on the road.
Covered in 2 minutes. No agent. No jargon.
Cover for your okada, your stall, your phone and your health. Pay small-small from your phone, and claim without chasing anybody.
No smartphone? Dial*000# on any phone. Try it →
The real problem
Insurance in Nigeria was built for companies. Everybody else got a form.
₦1 in every ₦200
The money that does come in is mostly corporate policies and compulsory cover. If you ride okada or sell tomatoes, you aren't priced out by the premium alone. You're priced out of trust.
- You earn daily. The bill comes yearly. One big premium doesn't fit money that comes in small.
- You need somebody who knows somebody. Most policies still travel through an agent or a broker.
- The payout is a mystery. You send your papers, then you wait, and nobody tells you why.
“I adjusted claims for years. I watched a woman come back six times about one burnt stall. I left so I could build the version she deserved.”
How it works
Four steps. You can do them standing up.
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1
Get a price
Say what you want to cover. You see the price and what it pays, in plain words. No form, no phone call.
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2
Pay how you earn
Mobile money, bank transfer or airtime. Daily, weekly or monthly. Miss a day and you get a reminder, not a cancelled policy.
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3
You're coveredSAMPLE
- Name
- Musa Bello
- Cover
- Okada, up to ₦1m
- Policy
- FD-2026-0418
Keep your card
Your policy comes as one short card, on your phone and by SMS. It says what's covered and how to claim. That's the whole thing.
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4
Claim from anywhere
Use the app, WhatsApp or USSD. Tell us what happened and a real person picks it up. You can see where it is at every stage.
What we cover
The things that keep your money coming in.
Shop and market stall
Fire in the market, flood in the rains, a break-in overnight. Your stock is covered, and a photo can be your proof.
Phone and device
For a lot of people the phone is the shop, the bank and the office. Screens, water damage and theft are all in.
Basic health
When you're in hospital you aren't earning. We pay a set amount for each night, straight to your wallet, to spend how you need.
Claims, made visible
You should never have to ask, “how far with my claim?”
Every claim shows three stages, the person handling it and what happens next. When we need something from you, we say exactly what, and we say it once.
Our goal, not a result
Most claims resolved in under 48 hours
Fendo is a concept, so there are no real claims yet. This is the standard the product is designed to hold itself to.
Claim FD-4471
Okada, crash damage
Built for low connectivity
No data? No smartphone? You still count.
Plenty of insurance apps quietly assume you have a new phone and a full bundle. Fendo works on the small phone in your pocket, with no data at all.
- Buy, pay and claim by USSD. Everything important fits in a short menu.
- A claim starts with one call. Open it from the menu and a person calls you back. No photo? Tell us, and we'll find another way to check.
- Your policy comes by SMS. Keep it on any phone, or show it to anybody.
This page is built the same way. Under 100 KB in total, with no video and no photos, so it opens on a weak network too.
Working demo. *000# is a made-up code and no money moves.