Questions.
Answered.

No. There is no maximum payout for an eligible engine replacement. However, your annual subscription must be paid in full before an engine replacement can be approved. If you are paying weekly, monthly, or quarterly, the outstanding balance of your annual commitment becomes due immediately. A ₦100,000 excess charge applies to an engine replacement.

No. O3 does not set a maximum number of claims per year. Each request must still be for a covered item and meet the applicable payment milestone and service eligibility rules.

Eligibility is based on payment milestones rather than one general waiting period. Annual and quarterly subscribers can make eligible claims immediately. Monthly subscribers can access servicing, bushings, and other eligible suspension parts immediately; shock absorbers become eligible after three months. Weekly subscribers can access services after making four weekly payments. Engine replacement requires the annual subscription to be paid in full.

Yes. Your vehicle is inspected at the O3 centre in Marwa, Lekki so we can document its condition and agree on a repair plan. All vehicles are accepted; the inspection is an evaluation, not a pass-or-fail test.

The vehicle can still be accepted, but the annual subscription must be paid in full before an existing engine or gearbox problem can be addressed. You cannot replace both the engine and gearbox in the same calendar year. O3 may replace one and offer financing for the other.

A repair is eligible when the affected item is included in your O3 plan, the required payment milestone has been reached, and the work is assessed and completed through an approved O3 repair centre. The covered items for each plan are listed on Tripleo.Pro and in the plan details.

All replacement parts supplied by O3 are new and come with a guarantee.

O3 pays the full bill for an eligible covered repair. You will receive a receipt to review and sign, then you can drive away and continue earning. Engine and gearbox replacements have the excess charges stated below.

There is no general deductible for eligible repairs. An excess charge applies only to major replacements: ₦100,000 for an engine replacement and ₦50,000 for a gearbox replacement.

O3 currently operates at Pinnacle in Marwa, Lekki and Pinnacle Ilasa on the Apapa–Oshodi Expressway. Ikorodu and Alimosho locations are in development, and an Agege or Ikeja location is also being explored. Only currently active locations can accept bookings.

No. O3 has no model-year or mileage restriction. Every vehicle is inspected to establish its current condition and repair plan.

Annual and quarterly plans provide immediate access to eligible services. Monthly plans provide immediate access to servicing, bushings, and other eligible suspension parts, while shock absorbers become eligible after three months. Weekly-plan members become eligible for services after four payments. An engine replacement always requires the annual commitment to be paid in full.

O3 is an annual subscription, even when you choose weekly, monthly, or quarterly instalments. If you cancel before the annual contract ends, O3 will calculate the services and repairs already provided, deduct your payments, and any difference becomes payable immediately. Leaving after receiving subsidised services without settling that balance may be treated as fraud or a financial crime, and the subscriber will not be eligible to return.

The subscription runs for a full annual cycle; paying by instalments does not create a shorter contract. A subscriber who leaves after receiving services and fails to settle the outstanding annual obligation cannot rejoin. If you want to leave or return after completing and settling your annual cycle, contact O3 support so your account and vehicle can be reviewed before a new subscription begins.

Oil service is available immediately on annual, quarterly, and monthly plans; weekly-plan members must first make four payments. Shock-absorber replacement is available immediately on annual and quarterly plans, and after three months of payments on a monthly or weekly instalment plan.