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| MTN SIM Insurance Feature (2025 Protection Plan) |
In 2025, MTN Nigeria launched a groundbreaking SIM Insurance Protection Plan to help users safeguard their phone lines against loss, theft, and unauthorized access. This feature is part of MTN's customer safety initiative and works hand-in-hand with MoMo and Auto-KYC services.
If you’ve ever lost your SIM or been a victim of identity theft, here’s why the MTN SIM Insurance could save you stress, time, and money.
What Is MTN SIM Insurance?
MTN SIM Insurance is a digital protection service that:
- Helps recover your lost or stolen SIM card easily
- Prevents SIM swap fraud
- Offers data & airtime backup on cloud
- Optionally insures your device or MoMo wallet (in premium plans)
It works by linking your SIM to your NIN, fingerprint, and facial data through MTN Auto-KYC. Once linked, your SIM becomes tamper-proof and recoverable even if you lose your phone.
Key Features of MTN SIM Insurance Plan (2025)
| Feature | Description |
|---|---|
| SIM Lock & Restore | If your phone is lost or stolen, MTN locks the SIM remotely |
| Cloud Backup | Backs up airtime balance, data balance, and contacts |
| Biometric Verification | Only you can reactivate or transfer SIM with fingerprint |
| Device Coverage (Optional) | Covers damage or theft (in premium packages) |
| Wallet Protection | MoMo wallet gets locked if SIM is reported stolen |
| Fast Replacement | Get a new SIM within 24 hours after verification |
How to Activate MTN SIM Insurance in 2025
Option 1: Using USSD
- Dial
*123*7# - Select "SIM Insurance"
- Choose your preferred plan:
- Basic Plan (Free)
- Plus Plan (₦50/month)
- Premium Plan (₦100/month with device cover)
- Confirm activation
Option 2: Using MTN App
- Go to Services > SIM Insurance
- Tap on "Activate Now"
- Follow prompts to verify identity (NIN/BVN required)
Benefits of MTN SIM Insurance
- Peace of mind in case of phone loss
- Protects you from SIM swap fraud
- Recover contacts and balances from cloud
- Enhances trust in MoMo wallet security
- Affordable premium for device protection
What to Do If Your MTN SIM Is Lost or Stolen
- Dial 180 from another MTN line
- Request SIM lock & block
- Visit MTN service center with NIN or valid ID
- Reactivate SIM with fingerprint or photo (Auto-KYC required)
- MTN restores your previous balances, contacts & subscriptions
With cybercrime and SIM fraud rising, the MTN SIM Insurance Plan in 2025 is a much-needed solution for mobile users. It’s free to start and gives you protection, recovery tools, and peace of mind—all in one.
👉 To activate your SIM insurance, dial *123*7# or download the MTN App today.
 – Everything You Need to Know){kind=link}