{"id":1607,"date":"2026-08-20T11:21:58","date_gmt":"2026-08-20T11:21:58","guid":{"rendered":"https:\/\/geminia.co.ke\/dev\/?page_id=1607"},"modified":"2026-08-20T11:23:41","modified_gmt":"2026-08-20T11:23:41","slug":"claims-process","status":"publish","type":"page","link":"https:\/\/geminia.co.ke\/dev\/claims-process\/","title":{"rendered":"Claims Process"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1607\" class=\"elementor elementor-1607\">\n\t\t\t\t<div class=\"elementor-element elementor-element-542f2a5 e-con-full e-flex e-con e-parent\" data-id=\"542f2a5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c275a00 elementor-widget elementor-widget-html\" data-id=\"c275a00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<section class=\"gem-claim\" data-gem=\"claim-wizard\">\r\n  <!-- Guarantees Poppins renders even if the theme doesn't already load it. Safe to remove if it does. -->\r\n  <link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n  <link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\r\n  <link href=\"https:\/\/fonts.googleapis.com\/css2?family=Poppins:wght@400;500;600;700&display=swap\" rel=\"stylesheet\">\r\n  <style>\r\n    .gem-claim {\r\n      --gem-navy: #393680;\r\n      --gem-blue: #3fa6dd;\r\n      --gem-navy-dark: #2b2960;\r\n      --gem-blue-dark: #2f8ec2;\r\n      --gem-ink: #1f2233;\r\n      --gem-muted: #5b5f73;\r\n      --gem-line: #e6e8f0;\r\n      --gem-bg-soft: #f5f6fb;\r\n      --gem-white: #ffffff;\r\n      --gem-good: #1fa971;\r\n      --gem-radius: 16px;\r\n      --gem-shadow: 0 10px 30px rgba(57, 54, 128, .12);\r\n      --gem-font-head: 'Poppins', 'Segoe UI', system-ui, sans-serif;\r\n      --gem-font-body: 'Poppins', 'Segoe UI', system-ui, sans-serif;\r\n\r\n      display: block;\r\n      background: var(--gem-bg-soft);\r\n      font-family: var(--gem-font-body);\r\n      color: var(--gem-ink);\r\n      padding: clamp(28px, 5vw, 56px) clamp(16px, 4vw, 32px);\r\n      box-sizing: border-box;\r\n    }\r\n    .gem-claim *, .gem-claim *::before, .gem-claim *::after { box-sizing: border-box; }\r\n    .gem-claim__inner { max-width: 1180px; margin: 0 auto; }\r\n\r\n    \/* -------- header -------- *\/\r\n    .gem-claim__head h1 {\r\n      font-family: var(--gem-font-head);\r\n      font-weight: 700;\r\n      font-size: clamp(1.6rem, 3vw, 2.25rem);\r\n      color: var(--gem-navy);\r\n      margin: 0 0 6px;\r\n    }\r\n    .gem-claim__head p {\r\n      margin: 0 0 clamp(24px, 4vw, 36px);\r\n      color: var(--gem-muted);\r\n      font-size: clamp(.95rem, 1.4vw, 1.05rem);\r\n    }\r\n\r\n    \/* -------- stepper -------- *\/\r\n    .gem-claim__steps {\r\n      display: flex;\r\n      align-items: flex-start;\r\n      list-style: none;\r\n      margin: 0 0 clamp(24px, 4vw, 40px);\r\n      padding: 0;\r\n    }\r\n    .gem-claim__step {\r\n      display: flex;\r\n      flex-direction: column;\r\n      align-items: center;\r\n      flex: 0 0 auto;\r\n      width: 96px;\r\n      text-align: center;\r\n    }\r\n    .gem-claim__step-num {\r\n      width: 34px;\r\n      height: 34px;\r\n      border-radius: 50%;\r\n      display: flex;\r\n      align-items: center;\r\n      justify-content: center;\r\n      font-family: var(--gem-font-head);\r\n      font-weight: 600;\r\n      font-size: .9rem;\r\n      background: var(--gem-white);\r\n      border: 2px solid var(--gem-line);\r\n      color: var(--gem-muted);\r\n      transition: background .2s ease, border-color .2s ease, color .2s ease;\r\n    }\r\n    .gem-claim__step-label {\r\n      margin-top: 8px;\r\n      font-size: .8rem;\r\n      font-weight: 600;\r\n      color: var(--gem-muted);\r\n    }\r\n    .gem-claim__step[data-state=\"current\"] .gem-claim__step-num {\r\n      background: var(--gem-blue);\r\n      border-color: var(--gem-blue);\r\n      color: var(--gem-white);\r\n    }\r\n    .gem-claim__step[data-state=\"current\"] .gem-claim__step-label { color: var(--gem-navy); }\r\n    .gem-claim__step[data-state=\"done\"] .gem-claim__step-num {\r\n      background: var(--gem-navy);\r\n      border-color: var(--gem-navy);\r\n      color: var(--gem-white);\r\n    }\r\n    .gem-claim__step[data-state=\"done\"] .gem-claim__step-label { color: var(--gem-navy); }\r\n    .gem-claim__step-num svg { width: 16px; height: 16px; }\r\n    .gem-claim__step-line {\r\n      flex: 1 1 auto;\r\n      height: 2px;\r\n      background: var(--gem-line);\r\n      margin-top: 17px;\r\n      min-width: 24px;\r\n      transition: background .2s ease;\r\n    }\r\n    .gem-claim__step-line[data-state=\"done\"] { background: var(--gem-navy); }\r\n\r\n    \/* -------- layout -------- *\/\r\n    .gem-claim__grid {\r\n      display: grid;\r\n      grid-template-columns: 1fr 300px;\r\n      gap: 24px;\r\n      align-items: start;\r\n    }\r\n    .gem-claim__card {\r\n      background: var(--gem-white);\r\n      border-radius: var(--gem-radius);\r\n      box-shadow: var(--gem-shadow);\r\n      padding: clamp(20px, 3vw, 36px);\r\n    }\r\n    .gem-claim__side { display: flex; flex-direction: column; gap: 16px; }\r\n    .gem-claim__aside {\r\n      background: var(--gem-white);\r\n      border-radius: var(--gem-radius);\r\n      box-shadow: var(--gem-shadow);\r\n      padding: 20px;\r\n    }\r\n    .gem-claim__aside h3 {\r\n      display: flex;\r\n      align-items: center;\r\n      gap: 8px;\r\n      font-family: var(--gem-font-head);\r\n      font-size: 1rem;\r\n      color: var(--gem-navy);\r\n      margin: 0 0 8px;\r\n    }\r\n    .gem-claim__aside h3 svg { width: 20px; height: 20px; flex: none; color: var(--gem-blue); }\r\n    .gem-claim__aside p { margin: 0 0 14px; color: var(--gem-muted); font-size: .9rem; line-height: 1.5; }\r\n    .gem-claim__contact { display: flex; align-items: center; gap: 10px; font-size: .9rem; margin-bottom: 8px; }\r\n    .gem-claim__contact svg { width: 16px; height: 16px; color: var(--gem-blue); flex: none; }\r\n    .gem-claim__contact a { color: var(--gem-ink); text-decoration: none; font-weight: 600; }\r\n    .gem-claim__contact a:hover { color: var(--gem-blue); text-decoration: underline; }\r\n    .gem-claim__checklist { list-style: none; margin: 0; padding: 0; }\r\n    .gem-claim__checklist li {\r\n      display: flex;\r\n      gap: 10px;\r\n      align-items: flex-start;\r\n      font-size: .88rem;\r\n      color: var(--gem-ink);\r\n      padding: 7px 0;\r\n    }\r\n    .gem-claim__checklist svg { width: 16px; height: 16px; margin-top: 2px; color: var(--gem-good); flex: none; }\r\n\r\n    \/* -------- form -------- *\/\r\n    .gem-claim__panel { display: none; }\r\n    .gem-claim__panel[data-active=\"true\"] { display: block; }\r\n    .gem-claim__panel h2 {\r\n      font-family: var(--gem-font-head);\r\n      font-size: 1.15rem;\r\n      color: var(--gem-navy);\r\n      margin: 0 0 4px;\r\n      border-bottom: 1px solid var(--gem-line);\r\n      padding-bottom: 14px;\r\n    }\r\n    .gem-claim__fieldnote { color: var(--gem-muted); font-size: .85rem; margin: 4px 0 18px; }\r\n    .gem-claim__fields {\r\n      display: grid;\r\n      grid-template-columns: repeat(2, 1fr);\r\n      gap: 18px 20px;\r\n      margin-top: 18px;\r\n    }\r\n    .gem-claim__field { display: flex; flex-direction: column; gap: 6px; }\r\n    .gem-claim__field--full { grid-column: 1 \/ -1; }\r\n    .gem-claim__field label {\r\n      font-size: .85rem;\r\n      font-weight: 600;\r\n      color: var(--gem-ink);\r\n    }\r\n    .gem-claim__field label .gem-req { color: #d64545; margin-left: 2px; }\r\n    .gem-claim__field .gem-optional { font-weight: 400; color: var(--gem-muted); }\r\n    .gem-claim__field input,\r\n    .gem-claim__field select,\r\n    .gem-claim__field textarea {\r\n      font: inherit;\r\n      font-size: .92rem;\r\n      color: var(--gem-ink);\r\n      border: 1px solid var(--gem-line);\r\n      background: var(--gem-bg-soft);\r\n      border-radius: 10px;\r\n      padding: 11px 13px;\r\n      width: 100%;\r\n      transition: border-color .15s ease, box-shadow .15s ease;\r\n    }\r\n    .gem-claim__field textarea { resize: vertical; min-height: 110px; font-family: var(--gem-font-body); }\r\n    .gem-claim__field input:focus,\r\n    .gem-claim__field select:focus,\r\n    .gem-claim__field textarea:focus {\r\n      outline: none;\r\n      border-color: var(--gem-blue);\r\n      box-shadow: 0 0 0 3px rgba(63, 166, 221, .18);\r\n    }\r\n    .gem-claim__field[data-invalid=\"true\"] input,\r\n    .gem-claim__field[data-invalid=\"true\"] select,\r\n    .gem-claim__field[data-invalid=\"true\"] textarea {\r\n      border-color: #d64545;\r\n      box-shadow: 0 0 0 3px rgba(214, 69, 69, .12);\r\n    }\r\n    .gem-claim__error {\r\n      display: none;\r\n      font-size: .78rem;\r\n      color: #c23a3a;\r\n    }\r\n    .gem-claim__field[data-invalid=\"true\"] .gem-claim__error { display: block; }\r\n\r\n    \/* -------- evidence upload -------- *\/\r\n    .gem-claim__upload { margin-top: 22px; }\r\n    .gem-claim__upload + .gem-claim__upload { margin-top: 26px; }\r\n    .gem-claim__upload-head { display: flex; justify-content: space-between; align-items: baseline; gap: 8px; }\r\n    .gem-claim__upload-head strong { font-size: .92rem; color: var(--gem-ink); }\r\n    .gem-claim__upload-head span { font-size: .78rem; color: var(--gem-muted); }\r\n    .gem-claim__dropzone {\r\n      margin-top: 10px;\r\n      border: 2px dashed var(--gem-line);\r\n      border-radius: 12px;\r\n      padding: 26px 16px;\r\n      text-align: center;\r\n      cursor: pointer;\r\n      background: var(--gem-bg-soft);\r\n      transition: border-color .15s ease, background .15s ease;\r\n    }\r\n    .gem-claim__dropzone:hover,\r\n    .gem-claim__dropzone:focus-visible {\r\n      border-color: var(--gem-blue);\r\n      outline: none;\r\n    }\r\n    .gem-claim__dropzone[data-drag=\"true\"] {\r\n      border-color: var(--gem-blue);\r\n      background: rgba(63, 166, 221, .08);\r\n    }\r\n    .gem-claim__dropzone svg { width: 26px; height: 26px; color: var(--gem-blue); margin-bottom: 6px; }\r\n    .gem-claim__dropzone p { margin: 0; font-size: .85rem; color: var(--gem-muted); }\r\n    .gem-claim__dropzone strong { color: var(--gem-navy); }\r\n    .gem-claim__filelist { list-style: none; margin: 12px 0 0; padding: 0; display: flex; flex-direction: column; gap: 8px; }\r\n    .gem-claim__filelist li {\r\n      display: flex;\r\n      align-items: center;\r\n      gap: 10px;\r\n      background: var(--gem-bg-soft);\r\n      border: 1px solid var(--gem-line);\r\n      border-radius: 8px;\r\n      padding: 8px 10px;\r\n      font-size: .82rem;\r\n    }\r\n    .gem-claim__filelist svg.gem-file-ic { width: 16px; height: 16px; color: var(--gem-navy); flex: none; }\r\n    .gem-claim__filelist .gem-file-name { flex: 1 1 auto; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }\r\n    .gem-claim__filelist .gem-file-size { color: var(--gem-muted); flex: none; }\r\n    .gem-claim__filelist button {\r\n      background: none;\r\n      border: none;\r\n      cursor: pointer;\r\n      color: var(--gem-muted);\r\n      padding: 2px;\r\n      display: flex;\r\n      border-radius: 6px;\r\n    }\r\n    .gem-claim__filelist button:hover { color: #c23a3a; background: rgba(198, 58, 58, .08); }\r\n    .gem-claim__filelist svg.gem-x { width: 15px; height: 15px; }\r\n\r\n    \/* -------- review -------- *\/\r\n    .gem-claim__review-block + .gem-claim__review-block { margin-top: 24px; }\r\n    .gem-claim__review-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 10px; }\r\n    .gem-claim__review-head h3 { margin: 0; font-family: var(--gem-font-head); font-size: .95rem; color: var(--gem-navy); }\r\n    .gem-claim__edit {\r\n      background: none;\r\n      border: none;\r\n      color: var(--gem-blue);\r\n      font-weight: 600;\r\n      font-size: .82rem;\r\n      cursor: pointer;\r\n      padding: 0;\r\n    }\r\n    .gem-claim__edit:hover { text-decoration: underline; }\r\n    .gem-claim__review-rows { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px 20px; }\r\n    .gem-claim__review-row dt { font-size: .76rem; color: var(--gem-muted); margin: 0 0 3px; }\r\n    .gem-claim__review-row dd { font-size: .9rem; color: var(--gem-ink); margin: 0; font-weight: 500; word-break: break-word; }\r\n    .gem-claim__review-row--full { grid-column: 1 \/ -1; }\r\n    .gem-claim__review-files { list-style: none; margin: 4px 0 0; padding: 0; font-size: .85rem; color: var(--gem-ink); }\r\n    .gem-claim__review-files li { padding: 2px 0; }\r\n    .gem-claim__review-files .gem-none { color: var(--gem-muted); font-style: italic; }\r\n    .gem-claim__declare {\r\n      display: flex;\r\n      gap: 10px;\r\n      align-items: flex-start;\r\n      margin-top: 26px;\r\n      padding-top: 20px;\r\n      border-top: 1px solid var(--gem-line);\r\n      font-size: .87rem;\r\n      color: var(--gem-ink);\r\n    }\r\n    .gem-claim__declare input { margin-top: 3px; width: 16px; height: 16px; accent-color: var(--gem-blue); flex: none; }\r\n\r\n    \/* -------- buttons -------- *\/\r\n    .gem-claim__actions {\r\n      display: flex;\r\n      justify-content: space-between;\r\n      align-items: center;\r\n      margin-top: 28px;\r\n      gap: 12px;\r\n      flex-wrap: wrap;\r\n    }\r\n    .gem-claim__actions-left,\r\n    .gem-claim__actions-right { display: flex; gap: 10px; align-items: center; flex-wrap: wrap; }\r\n    .gem-claim .gem-btn {\r\n      font: inherit;\r\n      font-weight: 600;\r\n      font-size: .9rem;\r\n      border-radius: 999px;\r\n      padding: 12px 24px;\r\n      cursor: pointer;\r\n      border: 1px solid transparent;\r\n      transition: background .15s ease, color .15s ease, border-color .15s ease, opacity .15s ease;\r\n      display: inline-flex;\r\n      align-items: center;\r\n      gap: 8px;\r\n    }\r\n    .gem-claim .gem-btn svg { width: 16px; height: 16px; }\r\n    .gem-claim .gem-btn--primary { background: var(--gem-navy); color: var(--gem-white); }\r\n    .gem-claim .gem-btn--primary:hover { background: var(--gem-navy-dark); }\r\n    .gem-claim .gem-btn--primary:disabled { opacity: .5; cursor: not-allowed; }\r\n    .gem-claim .gem-btn--ghost { background: none; color: var(--gem-navy); border-color: transparent; padding: 12px 8px; }\r\n    .gem-claim .gem-btn--ghost:hover { text-decoration: underline; }\r\n    .gem-claim .gem-btn--outline { background: var(--gem-white); color: var(--gem-navy); border-color: var(--gem-line); }\r\n    .gem-claim .gem-btn--outline:hover { border-color: var(--gem-navy); }\r\n\r\n    \/* -------- success -------- *\/\r\n    .gem-claim__success { text-align: center; padding: clamp(20px, 4vw, 40px) clamp(4px, 2vw, 20px); }\r\n    .gem-claim__success-icon {\r\n      width: 64px;\r\n      height: 64px;\r\n      border-radius: 50%;\r\n      background: rgba(63, 166, 221, .14);\r\n      display: flex;\r\n      align-items: center;\r\n      justify-content: center;\r\n      margin: 0 auto 18px;\r\n    }\r\n    .gem-claim__success-icon svg { width: 32px; height: 32px; color: var(--gem-blue); }\r\n    .gem-claim__success h2 {\r\n      font-family: var(--gem-font-head);\r\n      font-size: clamp(1.3rem, 3vw, 1.6rem);\r\n      color: var(--gem-navy);\r\n      margin: 0 0 10px;\r\n      border: none;\r\n      padding: 0;\r\n    }\r\n    .gem-claim__success p { color: var(--gem-muted); font-size: .95rem; max-width: 46ch; margin: 0 auto; line-height: 1.6; }\r\n    .gem-claim__success .gem-ref { color: var(--gem-navy); font-weight: 700; }\r\n    .gem-claim__doc {\r\n      margin: 26px auto 0;\r\n      max-width: 520px;\r\n      display: flex;\r\n      align-items: center;\r\n      gap: 14px;\r\n      border: 1px solid var(--gem-line);\r\n      border-radius: 12px;\r\n      padding: 14px 16px;\r\n      text-align: left;\r\n      flex-wrap: wrap;\r\n    }\r\n    .gem-claim__doc-ic {\r\n      width: 40px;\r\n      height: 40px;\r\n      border-radius: 10px;\r\n      background: var(--gem-bg-soft);\r\n      display: flex;\r\n      align-items: center;\r\n      justify-content: center;\r\n      flex: none;\r\n    }\r\n    .gem-claim__doc-ic svg { width: 20px; height: 20px; color: var(--gem-navy); }\r\n    .gem-claim__doc-text { flex: 1 1 180px; }\r\n    .gem-claim__doc-text strong { display: block; font-size: .9rem; color: var(--gem-ink); }\r\n    .gem-claim__doc-text span { font-size: .78rem; color: var(--gem-muted); }\r\n    .gem-claim__success-links {\r\n      margin-top: 24px;\r\n      display: flex;\r\n      justify-content: center;\r\n      gap: 16px;\r\n      flex-wrap: wrap;\r\n    }\r\n    .gem-claim__success-links a.gem-btn--outline { text-decoration: none; }\r\n    .gem-claim__success-links a.gem-know { display: inline-flex; align-items: center; gap: 6px; color: var(--gem-navy); font-weight: 600; font-size: .9rem; text-decoration: none; }\r\n    .gem-claim__success-links a.gem-know:hover { text-decoration: underline; }\r\n    .gem-claim__success-links svg { width: 16px; height: 16px; }\r\n\r\n    .gem-claim__toast {\r\n      position: fixed;\r\n      left: 50%;\r\n      bottom: 24px;\r\n      transform: translate(-50%, 12px);\r\n      background: var(--gem-navy);\r\n      color: var(--gem-white);\r\n      padding: 12px 20px;\r\n      border-radius: 999px;\r\n      font-size: .85rem;\r\n      font-weight: 600;\r\n      box-shadow: var(--gem-shadow);\r\n      opacity: 0;\r\n      pointer-events: none;\r\n      transition: opacity .2s ease, transform .2s ease;\r\n      z-index: 9990;\r\n    }\r\n    .gem-claim__toast[data-show=\"true\"] { opacity: 1; transform: translate(-50%, 0); }\r\n\r\n    .gem-claim .gem-claim__honeypot {\r\n      position: absolute;\r\n      left: -9999px;\r\n      top: -9999px;\r\n      width: 1px;\r\n      height: 1px;\r\n      overflow: hidden;\r\n    }\r\n    .gem-claim .gem-sr-only {\r\n      position: absolute;\r\n      width: 1px; height: 1px;\r\n      padding: 0; margin: -1px;\r\n      overflow: hidden;\r\n      clip: rect(0,0,0,0);\r\n      white-space: nowrap;\r\n      border: 0;\r\n    }\r\n\r\n    \/* -------- responsive -------- *\/\r\n    @media (max-width: 1024px) {\r\n      .gem-claim__grid { grid-template-columns: 1fr; }\r\n      .gem-claim__side { flex-direction: row; }\r\n      .gem-claim__aside { flex: 1 1 0; }\r\n    }\r\n    @media (max-width: 680px) {\r\n      .gem-claim__fields { grid-template-columns: 1fr; }\r\n      .gem-claim__review-rows { grid-template-columns: 1fr; }\r\n      .gem-claim__side { flex-direction: column; }\r\n      .gem-claim__step { width: 74px; }\r\n      .gem-claim__step-label { font-size: .72rem; }\r\n      .gem-claim__actions { flex-direction: column; align-items: stretch; }\r\n      .gem-claim__actions-left, .gem-claim__actions-right { justify-content: center; }\r\n      .gem-claim .gem-btn { justify-content: center; }\r\n    }\r\n    @media (max-width: 420px) {\r\n      .gem-claim__step-num { width: 28px; height: 28px; font-size: .78rem; }\r\n      .gem-claim__step-line { min-width: 12px; }\r\n      .gem-claim__card, .gem-claim__aside { padding: 18px; }\r\n    }\r\n    @media (prefers-reduced-motion: reduce) {\r\n      .gem-claim *, .gem-claim *::before, .gem-claim *::after {\r\n        transition-duration: .001ms !important;\r\n        animation-duration: .001ms !important;\r\n      }\r\n    }\r\n  <\/style>\r\n\r\n  <div class=\"gem-claim__inner\">\r\n\r\n    <div class=\"gem-claim__head\">\r\n      <h1>Report a Claim<\/h1>\r\n      <p>We're here to help you through the process.<\/p>\r\n    <\/div>\r\n\r\n    <ol class=\"gem-claim__steps\" aria-label=\"Claim progress\">\r\n      <li class=\"gem-claim__step\" data-gem-step-indicator=\"1\" data-state=\"current\">\r\n        <span class=\"gem-claim__step-num\">1<\/span>\r\n        <span class=\"gem-claim__step-label\">Details<\/span>\r\n      <\/li>\r\n      <li class=\"gem-claim__step-line\" data-gem-line=\"1\" data-state=\"pending\" aria-hidden=\"true\"><\/li>\r\n      <li class=\"gem-claim__step\" data-gem-step-indicator=\"2\" data-state=\"pending\">\r\n        <span class=\"gem-claim__step-num\">2<\/span>\r\n        <span class=\"gem-claim__step-label\">Evidence<\/span>\r\n      <\/li>\r\n      <li class=\"gem-claim__step-line\" data-gem-line=\"2\" data-state=\"pending\" aria-hidden=\"true\"><\/li>\r\n      <li class=\"gem-claim__step\" data-gem-step-indicator=\"3\" data-state=\"pending\">\r\n        <span class=\"gem-claim__step-num\">3<\/span>\r\n        <span class=\"gem-claim__step-label\">Review<\/span>\r\n      <\/li>\r\n    <\/ol>\r\n\r\n    <div class=\"gem-claim__grid\">\r\n      <!-- ===================== MAIN CARD ===================== -->\r\n      <div class=\"gem-claim__card\">\r\n\r\n        <div aria-live=\"polite\" class=\"gem-sr-only\" data-gem-announce><\/div>\r\n\r\n        <!-- STEP 1: DETAILS -->\r\n        <form class=\"gem-claim__panel\" data-gem-panel=\"1\" data-active=\"true\" novalidate>\r\n          <h2>Incident Information<\/h2>\r\n          <p class=\"gem-claim__fieldnote\">Please provide a brief, factual account of what happened.<\/p>\r\n\r\n          <!-- Honeypot: real visitors never see or fill this. If it arrives non-empty, the\r\n               backend silently rejects the submission as spam. Keep the name generic. -->\r\n          <div class=\"gem-claim__honeypot\" aria-hidden=\"true\">\r\n            <label for=\"gem-website\">Website<\/label>\r\n            <input type=\"text\" id=\"gem-website\" name=\"website\" tabindex=\"-1\" autocomplete=\"off\">\r\n          <\/div>\r\n\r\n          <div class=\"gem-claim__fields\">\r\n\r\n            <div class=\"gem-claim__field gem-claim__field--full\" data-gem-field=\"claimType\">\r\n              <label for=\"gem-claimType\">Type of Claim<span class=\"gem-req\">*<\/span><\/label>\r\n              <select id=\"gem-claimType\" name=\"claimType\" required aria-required=\"true\">\r\n                <option value=\"\" disabled selected>Select the type of claim<\/option>\r\n              <\/select>\r\n              <span class=\"gem-claim__error\" role=\"alert\">Please select the type of claim.<\/span>\r\n            <\/div>\r\n\r\n            <div class=\"gem-claim__field\" data-gem-field=\"insuredName\">\r\n              <label for=\"gem-insuredName\">Insured Name<span class=\"gem-req\">*<\/span><\/label>\r\n              <input type=\"text\" id=\"gem-insuredName\" name=\"insuredName\" placeholder=\"John Doe\" required aria-required=\"true\" autocomplete=\"name\">\r\n              <span class=\"gem-claim__error\" role=\"alert\">Please enter the insured name.<\/span>\r\n            <\/div>\r\n\r\n            <div class=\"gem-claim__field\" data-gem-field=\"policyNumber\">\r\n              <label for=\"gem-policyNumber\">Registration \/ Policy Number<span class=\"gem-req\">*<\/span><\/label>\r\n              <input type=\"text\" id=\"gem-policyNumber\" name=\"policyNumber\" placeholder=\"e.g. GEM-12345678\" required aria-required=\"true\">\r\n              <span class=\"gem-claim__error\" role=\"alert\">Please enter your registration or policy number.<\/span>\r\n            <\/div>\r\n\r\n            <div class=\"gem-claim__field\" data-gem-field=\"email\">\r\n              <label for=\"gem-email\">Email Address<span class=\"gem-req\">*<\/span><\/label>\r\n              <input type=\"email\" id=\"gem-email\" name=\"email\" placeholder=\"john.doe@example.com\" required aria-required=\"true\" autocomplete=\"email\">\r\n              <span class=\"gem-claim__error\" role=\"alert\">Please enter a valid email address.<\/span>\r\n            <\/div>\r\n\r\n            <div class=\"gem-claim__field\" data-gem-field=\"phone\">\r\n              <label for=\"gem-phone\">Phone Number<span class=\"gem-req\">*<\/span><\/label>\r\n              <input type=\"tel\" id=\"gem-phone\" name=\"phone\" placeholder=\"+254 700 000 000\" required aria-required=\"true\" autocomplete=\"tel\">\r\n              <span class=\"gem-claim__error\" role=\"alert\">Please enter a valid phone number.<\/span>\r\n            <\/div>\r\n\r\n            <div class=\"gem-claim__field gem-claim__field--full\" data-gem-field=\"intermediary\">\r\n              <label for=\"gem-intermediary\">Intermediary <span class=\"gem-optional\">(Optional)<\/span><\/label>\r\n              <input type=\"text\" id=\"gem-intermediary\" name=\"intermediary\" placeholder=\"Broker or Agent Name\">\r\n            <\/div>\r\n\r\n            <div class=\"gem-claim__field gem-claim__field--full\" data-gem-field=\"description\">\r\n              <label for=\"gem-description\">Accident Description<span class=\"gem-req\">*<\/span><\/label>\r\n              <textarea id=\"gem-description\" name=\"description\" placeholder=\"Describe the incident here\u2026\" required aria-required=\"true\"><\/textarea>\r\n              <span class=\"gem-claim__error\" role=\"alert\">Please describe what happened.<\/span>\r\n            <\/div>\r\n\r\n          <\/div>\r\n\r\n          <div class=\"gem-claim__actions\">\r\n            <div class=\"gem-claim__actions-left\">\r\n              <button type=\"button\" class=\"gem-btn gem-btn--ghost\" data-gem-action=\"save-draft\">Save Draft<\/button>\r\n            <\/div>\r\n            <div class=\"gem-claim__actions-right\">\r\n              <button type=\"button\" class=\"gem-btn gem-btn--primary\" data-gem-action=\"next-1\">\r\n                Continue to Evidence\r\n                <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" aria-hidden=\"true\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg>\r\n              <\/button>\r\n            <\/div>\r\n          <\/div>\r\n        <\/form>\r\n\r\n        <!-- STEP 2: EVIDENCE -->\r\n        <form class=\"gem-claim__panel\" data-gem-panel=\"2\" data-active=\"false\" novalidate>\r\n          <h2>Evidence<\/h2>\r\n          <p class=\"gem-claim__fieldnote\">Upload supporting documents. Accepted: JPG, PNG, PDF \u2014 up to 10MB each.<\/p>\r\n\r\n          <div class=\"gem-claim__upload\" data-gem-upload=\"photos\">\r\n            <div class=\"gem-claim__upload-head\">\r\n              <strong>Photos of the damage or incident scene<\/strong>\r\n              <span>Optional<\/span>\r\n            <\/div>\r\n            <div class=\"gem-claim__dropzone\" tabindex=\"0\" role=\"button\" aria-label=\"Upload photos of the damage or incident scene\">\r\n              <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" aria-hidden=\"true\"><path d=\"M12 16V4M12 4l-4 4M12 4l4 4\"\/><path d=\"M4 16v2a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2v-2\"\/><\/svg>\r\n              <p><strong>Click to upload<\/strong> or drag and drop photos here<\/p>\r\n            <\/div>\r\n            <input class=\"gem-sr-only\" type=\"file\" accept=\"image\/*\" multiple aria-hidden=\"true\" tabindex=\"-1\">\r\n            <ul class=\"gem-claim__filelist\" aria-label=\"Uploaded photos\"><\/ul>\r\n          <\/div>\r\n\r\n          <div class=\"gem-claim__upload\" data-gem-upload=\"policeAbstract\">\r\n            <div class=\"gem-claim__upload-head\">\r\n              <strong>Police Abstract (if applicable)<\/strong>\r\n              <span>Optional<\/span>\r\n            <\/div>\r\n            <div class=\"gem-claim__dropzone\" tabindex=\"0\" role=\"button\" aria-label=\"Upload police abstract\">\r\n              <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" aria-hidden=\"true\"><path d=\"M12 16V4M12 4l-4 4M12 4l4 4\"\/><path d=\"M4 16v2a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2v-2\"\/><\/svg>\r\n              <p><strong>Click to upload<\/strong> or drag and drop a file here<\/p>\r\n            <\/div>\r\n            <input class=\"gem-sr-only\" type=\"file\" accept=\"image\/*,.pdf\" aria-hidden=\"true\" tabindex=\"-1\">\r\n            <ul class=\"gem-claim__filelist\" aria-label=\"Uploaded police abstract\"><\/ul>\r\n          <\/div>\r\n\r\n          <div class=\"gem-claim__upload\" data-gem-upload=\"receipts\">\r\n            <div class=\"gem-claim__upload-head\">\r\n              <strong>Receipts \/ Invoices<\/strong>\r\n              <span>Optional<\/span>\r\n            <\/div>\r\n            <div class=\"gem-claim__dropzone\" tabindex=\"0\" role=\"button\" aria-label=\"Upload receipts or invoices\">\r\n              <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" aria-hidden=\"true\"><path d=\"M12 16V4M12 4l-4 4M12 4l4 4\"\/><path d=\"M4 16v2a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2v-2\"\/><\/svg>\r\n              <p><strong>Click to upload<\/strong> or drag and drop files here<\/p>\r\n            <\/div>\r\n            <input class=\"gem-sr-only\" type=\"file\" accept=\"image\/*,.pdf\" multiple aria-hidden=\"true\" tabindex=\"-1\">\r\n            <ul class=\"gem-claim__filelist\" aria-label=\"Uploaded receipts or invoices\"><\/ul>\r\n          <\/div>\r\n\r\n          <div class=\"gem-claim__actions\">\r\n            <div class=\"gem-claim__actions-left\">\r\n              <button type=\"button\" class=\"gem-btn gem-btn--outline\" data-gem-action=\"back-2\">Back<\/button>\r\n              <button type=\"button\" class=\"gem-btn gem-btn--ghost\" data-gem-action=\"save-draft\">Save Draft<\/button>\r\n            <\/div>\r\n            <div class=\"gem-claim__actions-right\">\r\n              <button type=\"button\" class=\"gem-btn gem-btn--primary\" data-gem-action=\"next-2\">\r\n                Continue to Review\r\n                <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" aria-hidden=\"true\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg>\r\n              <\/button>\r\n            <\/div>\r\n          <\/div>\r\n        <\/form>\r\n\r\n        <!-- STEP 3: REVIEW -->\r\n        <form class=\"gem-claim__panel\" data-gem-panel=\"3\" data-active=\"false\" novalidate>\r\n          <h2>Review Your Claim<\/h2>\r\n          <p class=\"gem-claim__fieldnote\">Check everything below is correct before you submit.<\/p>\r\n\r\n          <div class=\"gem-claim__review-block\">\r\n            <div class=\"gem-claim__review-head\">\r\n              <h3>Incident Information<\/h3>\r\n              <button type=\"button\" class=\"gem-claim__edit\" data-gem-action=\"edit-1\">Edit<\/button>\r\n            <\/div>\r\n            <dl class=\"gem-claim__review-rows\" data-gem-review=\"details\"><\/dl>\r\n          <\/div>\r\n\r\n          <div class=\"gem-claim__review-block\">\r\n            <div class=\"gem-claim__review-head\">\r\n              <h3>Evidence<\/h3>\r\n              <button type=\"button\" class=\"gem-claim__edit\" data-gem-action=\"edit-2\">Edit<\/button>\r\n            <\/div>\r\n            <div data-gem-review=\"evidence\"><\/div>\r\n          <\/div>\r\n\r\n          <label class=\"gem-claim__declare\">\r\n            <input type=\"checkbox\" id=\"gem-declare\" required aria-required=\"true\">\r\n            <span>I confirm the information and documents provided are accurate and complete to the best of my knowledge.<\/span>\r\n          <\/label>\r\n\r\n          <div class=\"gem-claim__actions\">\r\n            <div class=\"gem-claim__actions-left\">\r\n              <button type=\"button\" class=\"gem-btn gem-btn--outline\" data-gem-action=\"back-3\">Back<\/button>\r\n            <\/div>\r\n            <div class=\"gem-claim__actions-right\">\r\n              <button type=\"button\" class=\"gem-btn gem-btn--primary\" data-gem-action=\"submit\" disabled>\r\n                Submit Claim\r\n                <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" aria-hidden=\"true\"><path d=\"M20 6 9 17l-5-5\"\/><\/svg>\r\n              <\/button>\r\n            <\/div>\r\n          <\/div>\r\n        <\/form>\r\n\r\n        <!-- SUCCESS -->\r\n        <div class=\"gem-claim__success\" data-gem-panel=\"success\" data-active=\"false\" hidden>\r\n          <div class=\"gem-claim__success-icon\">\r\n            <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" aria-hidden=\"true\"><path d=\"M20 6 9 17l-5-5\"\/><\/svg>\r\n          <\/div>\r\n          <h2>Claim Submitted Successfully<\/h2>\r\n          <p>\r\n            Your claim details have been received and sent to our claims department. We will be in touch shortly\r\n            to guide you through the next steps. Your reference number is <span class=\"gem-ref\" data-gem-ref><\/span>.\r\n          <\/p>\r\n\r\n          <div class=\"gem-claim__doc\">\r\n            <div class=\"gem-claim__doc-ic\">\r\n              <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" aria-hidden=\"true\"><path d=\"M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z\"\/><path d=\"M14 2v6h6\"\/><\/svg>\r\n            <\/div>\r\n            <div class=\"gem-claim__doc-text\">\r\n              <strong data-gem-form-name>Official Claim Form (PDF)<\/strong>\r\n              <span>Required for final documentation<\/span>\r\n            <\/div>\r\n            <a class=\"gem-btn gem-btn--primary\" data-gem-form-link href=\"#\" download>\r\n              <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" aria-hidden=\"true\"><path d=\"M12 3v12m0 0-4-4m4 4 4-4\"\/><path d=\"M4 17v2a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2v-2\"\/><\/svg>\r\n              Download Claim Form\r\n            <\/a>\r\n          <\/div>\r\n\r\n          <div class=\"gem-claim__success-links\">\r\n            <!-- REPLACE LINK: point to the real homepage URL -->\r\n            <a class=\"gem-btn gem-btn--outline\" href=\"\/\">\r\n              <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" aria-hidden=\"true\"><path d=\"M3 12 12 3l9 9\"\/><path d=\"M5 10v10h14V10\"\/><\/svg>\r\n              Return to Home\r\n            <\/a>\r\n            <!-- REPLACE LINK: point to the real Knowledge Centre URL -->\r\n            <a class=\"gem-know\" href=\"\/knowledge-centre\/\">\r\n              <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" aria-hidden=\"true\"><path d=\"M4 19.5A2.5 2.5 0 0 1 6.5 17H20\"\/><path d=\"M6.5 2H20v20H6.5A2.5 2.5 0 0 1 4 19.5v-15A2.5 2.5 0 0 1 6.5 2z\"\/><\/svg>\r\n              View Knowledge Centre\r\n            <\/a>\r\n          <\/div>\r\n        <\/div>\r\n\r\n      <\/div>\r\n\r\n      <!-- ===================== SIDEBAR ===================== -->\r\n      <aside class=\"gem-claim__side\">\r\n        <div class=\"gem-claim__aside\">\r\n          <h3>\r\n            <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" aria-hidden=\"true\"><path d=\"M3 18v-6a9 9 0 0 1 18 0v6\"\/><path d=\"M21 19a2 2 0 0 1-2 2h-1a2 2 0 0 1-2-2v-3a2 2 0 0 1 2-2h3zM3 19a2 2 0 0 0 2 2h1a2 2 0 0 0 2-2v-3a2 2 0 0 0-2-2H3z\"\/><\/svg>\r\n            Need Assistance?\r\n          <\/h3>\r\n          <p>Our claims team is available Monday \u2013 Friday, 8:00am \u2013 5:00pm to guide you through the process.<\/p>\r\n          <div class=\"gem-claim__contact\">\r\n            <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" aria-hidden=\"true\"><path d=\"M22 16.92v3a2 2 0 0 1-2.18 2 19.79 19.79 0 0 1-8.63-3.07 19.5 19.5 0 0 1-6-6 19.79 19.79 0 0 1-3.07-8.67A2 2 0 0 1 4.11 2h3a2 2 0 0 1 2 1.72c.127.96.361 1.903.7 2.81a2 2 0 0 1-.45 2.11L8.09 9.91a16 16 0 0 0 6 6l1.27-1.27a2 2 0 0 1 2.11-.45c.907.339 1.85.573 2.81.7A2 2 0 0 1 22 16.92z\"\/><\/svg>\r\n            <a href=\"tel:+254709551000\">+254 709 551 000<\/a>\r\n          <\/div>\r\n          <div class=\"gem-claim__contact\">\r\n            <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" aria-hidden=\"true\"><path d=\"M4 4h16v16H4z\" opacity=\"0\"\/><path d=\"M22 6 12 13 2 6\"\/><path d=\"M2 6h20v12H2z\"\/><\/svg>\r\n            <a href=\"mailto:claims@geminia.co.ke\">claims@geminia.co.ke<\/a>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"gem-claim__aside\">\r\n          <h3>What you'll need next<\/h3>\r\n          <ul class=\"gem-claim__checklist\" data-gem-checklist>\r\n            <li>\r\n              <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" aria-hidden=\"true\"><path d=\"M20 6 9 17l-5-5\"\/><\/svg>\r\n              Clear photos of the damage or incident scene.\r\n            <\/li>\r\n            <li>\r\n              <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" aria-hidden=\"true\"><path d=\"M20 6 9 17l-5-5\"\/><\/svg>\r\n              Police abstract (if applicable).\r\n            <\/li>\r\n            <li>\r\n              <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" aria-hidden=\"true\"><path d=\"M20 6 9 17l-5-5\"\/><\/svg>\r\n              Any relevant receipts or invoices.\r\n            <\/li>\r\n          <\/ul>\r\n        <\/div>\r\n      <\/aside>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"gem-claim__toast\" role=\"status\" data-gem-toast><\/div>\r\n\r\n  <script>\r\n  (function () {\r\n    var root = document.currentScript.closest('[data-gem=\"claim-wizard\"]');\r\n    if (!root || root.dataset.gemInit) return;\r\n    root.dataset.gemInit = '1';\r\n\r\n    \/* ------------------------------------------------------------\r\n       DATA SOURCE OF TRUTH\r\n       Add \/ edit claim types here. Everything downstream \u2014 the\r\n       dropdown, the \"what you'll need\" checklist, and the PDF\r\n       served on the success screen \u2014 is generated from this object.\r\n       \"checkIcon\" SVG is shared, no need to repeat it per item.\r\n    ------------------------------------------------------------- *\/\r\n    var FORM_BASE_URL = 'https:\/\/geminia.co.ke\/dev\/wp-content\/uploads\/claim-forms\/'; \/\/ REPLACE LINK: base folder for claim-form PDFs\r\n\r\n    var CLAIM_TYPES = [\r\n      { group: 'Yourself & Family', value: 'personal_accident', label: 'Personal Accident', formName: 'Personal Accident Claim Form', formFile: 'personal-accident-claim-form.pdf',\r\n        checklist: ['Medical report from an attending doctor', 'Original receipts for treatment costs', 'Copy of your national ID or passport'] },\r\n      { group: 'Yourself & Family', value: 'travel', label: 'Travel Insurance', formName: 'Travel Insurance Claim Form', formFile: 'travel-claim-form.pdf',\r\n        checklist: ['Proof of travel (ticket \/ boarding pass)', 'Medical report or receipts, if applicable', 'Police report, for loss or theft claims'] },\r\n      { group: 'Yourself & Family', value: 'golf', label: 'Golf Insurance', formName: 'Golf Insurance Claim Form', formFile: 'golf-claim-form.pdf',\r\n        checklist: ['Photos of the damaged equipment', 'Original purchase receipt for the item', 'Incident report from the club, if applicable'] },\r\n      { group: 'Yourself & Family', value: 'pet', label: 'Pet Insurance', formName: 'Pet Insurance Claim Form', formFile: 'pet-claim-form.pdf',\r\n        checklist: ['Veterinary report and invoice', 'Pet\\u2019s vaccination\/medical history', 'Clear photos of the injury or condition'] },\r\n\r\n      { group: 'Your Business', value: 'wiba', label: 'WIBA (Work Injury Benefits)', formName: 'WIBA Claim Form', formFile: 'wiba-claim-form.pdf',\r\n        checklist: ['Incident\/accident report from the employer', 'Medical report on the injury', 'Witness statements, if available'] },\r\n      { group: 'Your Business', value: 'public_liability', label: 'Public Liability', formName: 'Public Liability Claim Form', formFile: 'public-liability-claim-form.pdf',\r\n        checklist: ['Description and photos of the incident', 'Third-party contact and injury\/damage details', 'Any correspondence already received'] },\r\n      { group: 'Your Business', value: 'professional_indemnity', label: 'Professional Indemnity', formName: 'Professional Indemnity Claim Form', formFile: 'professional-indemnity-claim-form.pdf',\r\n        checklist: ['Copy of the client contract or engagement letter', 'Details of the alleged error or omission', 'Any demand letter or notice received'] },\r\n      { group: 'Your Business', value: 'fidelity', label: 'Fidelity Guarantee', formName: 'Fidelity Guarantee Claim Form', formFile: 'fidelity-guarantee-claim-form.pdf',\r\n        checklist: ['Internal investigation or audit report', 'Police abstract for the reported loss', 'Records evidencing the financial loss'] },\r\n      { group: 'Your Business', value: 'money', label: 'Money Insurance', formName: 'Money Insurance Claim Form', formFile: 'money-claim-form.pdf',\r\n        checklist: ['Police abstract for the loss', 'Cash book or till reconciliation records', 'Details of the security measures in place'] },\r\n      { group: 'Your Business', value: 'marine_cargo', label: 'Marine Cargo', formName: 'Marine Cargo Claim Form', formFile: 'marine-cargo-claim-form.pdf',\r\n        checklist: ['Bill of lading \/ shipping documents', 'Survey report or inspection photos', 'Commercial invoice and packing list'] },\r\n      { group: 'Your Business', value: 'marine_hull', label: 'Marine Hull', formName: 'Marine Hull Claim Form', formFile: 'marine-hull-claim-form.pdf',\r\n        checklist: ['Vessel survey \/ damage report', 'Photos of the damage', 'Master\\u2019s statement of the incident'] },\r\n\r\n      { group: 'Your Agribusiness', value: 'crop', label: 'Crop Insurance', formName: 'Crop Insurance Claim Form', formFile: 'crop-claim-form.pdf',\r\n        checklist: ['Photos of the affected crop\/field', 'Farm inspection or agronomist report', 'Proof of planting (receipts, records)'] },\r\n      { group: 'Your Agribusiness', value: 'greenhouse', label: 'Greenhouse Insurance', formName: 'Greenhouse Insurance Claim Form', formFile: 'greenhouse-claim-form.pdf',\r\n        checklist: ['Photos of the structure and damage', 'Proof of the greenhouse installation cost', 'Weather report, if weather-related'] },\r\n      { group: 'Your Agribusiness', value: 'livestock', label: 'Livestock Insurance', formName: 'Livestock Insurance Claim Form', formFile: 'livestock-claim-form.pdf',\r\n        checklist: ['Veterinary report confirming cause', 'Photos and identification of the animal(s)', 'Proof of ownership \/ purchase records'] },\r\n\r\n      { group: 'Your Property & Assets', value: 'motor_comprehensive', label: 'Motor \\u2013 Comprehensive', formName: 'Motor Comprehensive Claim Form', formFile: 'motor-comprehensive-claim-form.pdf',\r\n        checklist: ['Clear photos of the vehicle damage', 'Police abstract (if applicable)', 'Copy of your driving licence and logbook'] },\r\n      { group: 'Your Property & Assets', value: 'motor_third_party', label: 'Motor \\u2013 Third-Party', formName: 'Motor Third-Party Claim Form', formFile: 'motor-third-party-claim-form.pdf',\r\n        checklist: ['Clear photos of the damage', 'Police abstract (if applicable)', 'Third-party vehicle and contact details'] },\r\n      { group: 'Your Property & Assets', value: 'motor_commercial', label: 'Motor \\u2013 Commercial', formName: 'Motor Commercial Claim Form', formFile: 'motor-commercial-claim-form.pdf',\r\n        checklist: ['Clear photos of the vehicle damage', 'Police abstract (if applicable)', 'Copy of driving licence, logbook and PSV\/commercial licence'] },\r\n      { group: 'Your Property & Assets', value: 'homepack', label: 'HomePack (Home Insurance)', formName: 'HomePack Claim Form', formFile: 'homepack-claim-form.pdf',\r\n        checklist: ['Photos of the damaged property\/contents', 'Police abstract, for theft or burglary', 'Receipts or proof of value for damaged items'] },\r\n      { group: 'Your Property & Assets', value: 'burglary', label: 'Burglary Insurance', formName: 'Burglary Insurance Claim Form', formFile: 'burglary-claim-form.pdf',\r\n        checklist: ['Police abstract for the break-in', 'Photos of forced entry\/damage', 'List and proof of value for stolen items'] },\r\n\r\n      { group: 'Other', value: 'other', label: 'Other \/ Not Listed', formName: 'General Claim Form', formFile: 'general-claim-form.pdf',\r\n        checklist: ['Clear photos of the damage or incident scene', 'Police abstract, if applicable', 'Any relevant receipts or invoices'] }\r\n    ];\r\n\r\n    var CHECK_ICON = '<svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" aria-hidden=\"true\"><path d=\"M20 6 9 17l-5-5\"\/><\/svg>';\r\n\r\n    function findClaimType(value) {\r\n      for (var i = 0; i < CLAIM_TYPES.length; i++) {\r\n        if (CLAIM_TYPES[i].value === value) return CLAIM_TYPES[i];\r\n      }\r\n      return CLAIM_TYPES[CLAIM_TYPES.length - 1]; \/\/ 'other' fallback\r\n    }\r\n\r\n    \/* ------------------------------------------------------------\r\n       Build the \"Type of Claim\" dropdown from CLAIM_TYPES, grouped\r\n       by the site's four product categories.\r\n    ------------------------------------------------------------- *\/\r\n    var claimTypeSelect = root.querySelector('#gem-claimType');\r\n    (function buildOptions() {\r\n      var groups = {};\r\n      var order = [];\r\n      CLAIM_TYPES.forEach(function (item) {\r\n        if (!groups[item.group]) { groups[item.group] = []; order.push(item.group); }\r\n        groups[item.group].push(item);\r\n      });\r\n      order.forEach(function (groupName) {\r\n        var optgroup = document.createElement('optgroup');\r\n        optgroup.label = groupName;\r\n        groups[groupName].forEach(function (item) {\r\n          var opt = document.createElement('option');\r\n          opt.value = item.value;\r\n          opt.textContent = item.label;\r\n          optgroup.appendChild(opt);\r\n        });\r\n        claimTypeSelect.appendChild(optgroup);\r\n      });\r\n    })();\r\n\r\n    function renderChecklist(claimType) {\r\n      var list = root.querySelector('[data-gem-checklist]');\r\n      list.innerHTML = '';\r\n      claimType.checklist.forEach(function (text) {\r\n        var li = document.createElement('li');\r\n        li.innerHTML = CHECK_ICON + '<span>' + text + '<\/span>';\r\n        list.appendChild(li);\r\n      });\r\n    }\r\n    claimTypeSelect.addEventListener('change', function () {\r\n      renderChecklist(findClaimType(claimTypeSelect.value));\r\n      clearFieldError(claimTypeSelect.closest('[data-gem-field]'));\r\n    });\r\n\r\n    \/* ------------------------------------------------------------\r\n       Stepper \/ panel navigation\r\n    ------------------------------------------------------------- *\/\r\n    var panels = {\r\n      1: root.querySelector('[data-gem-panel=\"1\"]'),\r\n      2: root.querySelector('[data-gem-panel=\"2\"]'),\r\n      3: root.querySelector('[data-gem-panel=\"3\"]'),\r\n      success: root.querySelector('[data-gem-panel=\"success\"]')\r\n    };\r\n    var indicators = root.querySelectorAll('[data-gem-step-indicator]');\r\n    var lines = root.querySelectorAll('[data-gem-line]');\r\n    var announce = root.querySelector('[data-gem-announce]');\r\n    var STEP_LABELS = { 1: 'Details', 2: 'Evidence', 3: 'Review' };\r\n\r\n    function goToStep(step) {\r\n      [1, 2, 3].forEach(function (n) {\r\n        var isActive = n === step;\r\n        panels[n].dataset.active = isActive ? 'true' : 'false';\r\n        panels[n].hidden = !isActive;\r\n      });\r\n      panels.success.hidden = true;\r\n      panels.success.dataset.active = 'false';\r\n\r\n      indicators.forEach(function (el) {\r\n        var n = Number(el.getAttribute('data-gem-step-indicator'));\r\n        var state = n === step ? 'current' : (n < step ? 'done' : 'pending');\r\n        el.setAttribute('data-state', state);\r\n        var numEl = el.querySelector('.gem-claim__step-num');\r\n        numEl.innerHTML = state === 'done'\r\n          ? '<svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"3\" aria-hidden=\"true\"><path d=\"M20 6 9 17l-5-5\"\/><\/svg>'\r\n          : String(n);\r\n      });\r\n      lines.forEach(function (el) {\r\n        var n = Number(el.getAttribute('data-gem-line'));\r\n        el.setAttribute('data-state', n < step ? 'done' : 'pending');\r\n      });\r\n\r\n      if (announce) announce.textContent = 'Step ' + step + ' of 3: ' + STEP_LABELS[step];\r\n\r\n      var focusTarget = panels[step].querySelector('h2');\r\n      if (focusTarget) { focusTarget.setAttribute('tabindex', '-1'); focusTarget.focus({ preventScroll: false }); }\r\n      root.scrollIntoView({ behavior: 'smooth', block: 'start' });\r\n    }\r\n\r\n    \/* ------------------------------------------------------------\r\n       Validation\r\n    ------------------------------------------------------------- *\/\r\n    function showFieldError(fieldWrap) { if (fieldWrap) fieldWrap.setAttribute('data-invalid', 'true'); }\r\n    function clearFieldError(fieldWrap) { if (fieldWrap) fieldWrap.removeAttribute('data-invalid'); }\r\n\r\n    function validateStep1() {\r\n      var required = ['claimType', 'insuredName', 'policyNumber', 'email', 'phone', 'description'];\r\n      var valid = true;\r\n      var firstInvalid = null;\r\n      required.forEach(function (name) {\r\n        var fieldWrap = root.querySelector('[data-gem-field=\"' + name + '\"]');\r\n        var input = fieldWrap.querySelector('input, select, textarea');\r\n        var val = (input.value || '').trim();\r\n        var ok = val.length > 0;\r\n        if (ok && name === 'email') ok = \/^[^\\s@]+@[^\\s@]+\\.[^\\s@]+$\/.test(val);\r\n        if (ok && name === 'phone') ok = \/^[0-9+\\s-]{7,}$\/.test(val);\r\n        if (!ok) {\r\n          valid = false;\r\n          showFieldError(fieldWrap);\r\n          if (!firstInvalid) firstInvalid = input;\r\n        } else {\r\n          clearFieldError(fieldWrap);\r\n        }\r\n      });\r\n      if (firstInvalid) firstInvalid.focus();\r\n      return valid;\r\n    }\r\n\r\n    \/* ------------------------------------------------------------\r\n       Evidence uploads\r\n       NOTE (BACKEND HOOK): files are only held in memory client-side\r\n       for this demo. On real submit, send them via FormData\/fetch\r\n       to your upload endpoint and store the returned references\r\n       instead of (or alongside) file.name below.\r\n    ------------------------------------------------------------- *\/\r\n    var uploadState = { photos: [], policeAbstract: [], receipts: [] };\r\n\r\n    function formatSize(bytes) {\r\n      if (bytes < 1024) return bytes + ' B';\r\n      if (bytes < 1024 * 1024) return Math.round(bytes \/ 1024) + ' KB';\r\n      return (bytes \/ (1024 * 1024)).toFixed(1) + ' MB';\r\n    }\r\n\r\n    function renderFileList(key) {\r\n      var wrap = root.querySelector('[data-gem-upload=\"' + key + '\"]');\r\n      var list = wrap.querySelector('.gem-claim__filelist');\r\n      list.innerHTML = '';\r\n      uploadState[key].forEach(function (file, idx) {\r\n        var li = document.createElement('li');\r\n        li.innerHTML =\r\n          '<svg class=\"gem-file-ic\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" aria-hidden=\"true\"><path d=\"M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z\"\/><path d=\"M14 2v6h6\"\/><\/svg>' +\r\n          '<span class=\"gem-file-name\">' + file.name + '<\/span>' +\r\n          '<span class=\"gem-file-size\">' + formatSize(file.size) + '<\/span>' +\r\n          '<button type=\"button\" aria-label=\"Remove ' + file.name + '\">' +\r\n          '<svg class=\"gem-x\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" aria-hidden=\"true\"><path d=\"M18 6 6 18M6 6l12 12\"\/><\/svg><\/button>';\r\n        li.querySelector('button').addEventListener('click', function () {\r\n          uploadState[key].splice(idx, 1);\r\n          renderFileList(key);\r\n        });\r\n        list.appendChild(li);\r\n      });\r\n    }\r\n\r\n    root.querySelectorAll('.gem-claim__upload').forEach(function (wrap) {\r\n      var key = wrap.getAttribute('data-gem-upload');\r\n      var dropzone = wrap.querySelector('.gem-claim__dropzone');\r\n      var input = wrap.querySelector('input[type=\"file\"]');\r\n\r\n      function addFiles(fileList) {\r\n        Array.prototype.forEach.call(fileList, function (f) { uploadState[key].push(f); });\r\n        renderFileList(key);\r\n      }\r\n\r\n      dropzone.addEventListener('click', function () { input.click(); });\r\n      dropzone.addEventListener('keydown', function (e) {\r\n        if (e.key === 'Enter' || e.key === ' ') { e.preventDefault(); input.click(); }\r\n      });\r\n      dropzone.addEventListener('dragover', function (e) { e.preventDefault(); dropzone.setAttribute('data-drag', 'true'); });\r\n      dropzone.addEventListener('dragleave', function () { dropzone.removeAttribute('data-drag'); });\r\n      dropzone.addEventListener('drop', function (e) {\r\n        e.preventDefault();\r\n        dropzone.removeAttribute('data-drag');\r\n        if (e.dataTransfer && e.dataTransfer.files) addFiles(e.dataTransfer.files);\r\n      });\r\n      input.addEventListener('change', function () {\r\n        if (input.files) addFiles(input.files);\r\n        input.value = '';\r\n      });\r\n    });\r\n\r\n    \/* ------------------------------------------------------------\r\n       Review step rendering\r\n    ------------------------------------------------------------- *\/\r\n    function renderReview() {\r\n      var claimType = findClaimType(claimTypeSelect.value);\r\n      var rows = [\r\n        ['Type of Claim', claimType.label],\r\n        ['Insured Name', root.querySelector('#gem-insuredName').value],\r\n        ['Registration \/ Policy Number', root.querySelector('#gem-policyNumber').value],\r\n        ['Email Address', root.querySelector('#gem-email').value],\r\n        ['Phone Number', root.querySelector('#gem-phone').value],\r\n        ['Intermediary', root.querySelector('#gem-intermediary').value || '\\u2014']\r\n      ];\r\n      var dl = root.querySelector('[data-gem-review=\"details\"]');\r\n      dl.innerHTML = '';\r\n      rows.forEach(function (pair) {\r\n        var row = document.createElement('div');\r\n        row.className = 'gem-claim__review-row';\r\n        row.innerHTML = '<dt>' + pair[0] + '<\/dt><dd>' + (pair[1] ? escapeHtml(pair[1]) : '\\u2014') + '<\/dd>';\r\n        dl.appendChild(row);\r\n      });\r\n      var descRow = document.createElement('div');\r\n      descRow.className = 'gem-claim__review-row gem-claim__review-row--full';\r\n      descRow.innerHTML = '<dt>Accident Description<\/dt><dd>' + escapeHtml(root.querySelector('#gem-description').value) + '<\/dd>';\r\n      dl.appendChild(descRow);\r\n\r\n      var evidenceWrap = root.querySelector('[data-gem-review=\"evidence\"]');\r\n      evidenceWrap.innerHTML = '';\r\n      [['photos', 'Photos'], ['policeAbstract', 'Police Abstract'], ['receipts', 'Receipts \/ Invoices']].forEach(function (pair) {\r\n        var key = pair[0], label = pair[1];\r\n        var block = document.createElement('div');\r\n        block.style.marginBottom = '10px';\r\n        var files = uploadState[key];\r\n        var itemsHtml = files.length\r\n          ? files.map(function (f) { return '<li>' + escapeHtml(f.name) + '<\/li>'; }).join('')\r\n          : '<li class=\"gem-none\">No files uploaded<\/li>';\r\n        block.innerHTML = '<dt style=\"font-size:.76rem;color:var(--gem-muted);margin-bottom:3px;\">' + label + '<\/dt><ul class=\"gem-claim__review-files\">' + itemsHtml + '<\/ul>';\r\n        evidenceWrap.appendChild(block);\r\n      });\r\n    }\r\n\r\n    function escapeHtml(str) {\r\n      return String(str).replace(\/[&<>\"']\/g, function (c) {\r\n        return { '&': '&amp;', '<': '&lt;', '>': '&gt;', '\"': '&quot;', \"'\": '&#39;' }[c];\r\n      });\r\n    }\r\n\r\n    \/* ------------------------------------------------------------\r\n       Declaration checkbox gates the submit button\r\n    ------------------------------------------------------------- *\/\r\n    var declareBox = root.querySelector('#gem-declare');\r\n    var submitBtn = root.querySelector('[data-gem-action=\"submit\"]');\r\n    declareBox.addEventListener('change', function () {\r\n      submitBtn.disabled = !declareBox.checked;\r\n    });\r\n\r\n    \/* ------------------------------------------------------------\r\n       Toast (Save Draft feedback)\r\n       BACKEND HOOK: wire this to a real autosave call if needed.\r\n    ------------------------------------------------------------- *\/\r\n    var toast = root.querySelector('[data-gem-toast]');\r\n    var toastTimer;\r\n    function showToast(msg) {\r\n      toast.textContent = msg;\r\n      toast.setAttribute('data-show', 'true');\r\n      clearTimeout(toastTimer);\r\n      toastTimer = setTimeout(function () { toast.removeAttribute('data-show'); }, 2400);\r\n    }\r\n\r\n    \/* ------------------------------------------------------------\r\n       Submit \u2014 POSTs the claim (fields + evidence files) to a Google\r\n       Apps Script Web App that emails claims@geminia.co.ke via MailApp.\r\n       See geminia-claims-apps-script.gs for the matching server-side\r\n       code \u2014 it must be deployed and its \/exec URL pasted in below for\r\n       this to actually send anything; this fetch() call alone cannot\r\n       deliver email on its own.\r\n\r\n       No custom headers are set on purpose: a FormData POST with no\r\n       extra headers is a CORS \"simple request\", so the browser sends it\r\n       straight through without a preflight OPTIONS call (which Apps\r\n       Script Web Apps don't handle). Adding headers here would break it.\r\n\r\n       Apps Script Web Apps always answer with HTTP 200, even for a\r\n       logical failure (missing field, honeypot hit, mail error) \u2014 so\r\n       success\/failure is read from the { success: true\/false } JSON\r\n       body below, not from the HTTP status.\r\n    ------------------------------------------------------------- *\/\r\n    var CLAIMS_ENDPOINT = 'https:\/\/script.google.com\/macros\/s\/AKfycbyOAk-s9YCE_ALC43TOUD5uK4WJfKSRcobtq20dW-xvHI5SS4jDEnKkRxpELPj-tHuZ\/exec'; \/\/ REPLACE LINK: your Apps Script Web App \/exec URL\r\n\r\n    function buildClaimFormData() {\r\n      var claimType = findClaimType(claimTypeSelect.value);\r\n      var fd = new FormData();\r\n      fd.append('claimType', claimType.value);\r\n      fd.append('claimTypeLabel', claimType.label);\r\n      fd.append('insuredName', root.querySelector('#gem-insuredName').value.trim());\r\n      fd.append('policyNumber', root.querySelector('#gem-policyNumber').value.trim());\r\n      fd.append('email', root.querySelector('#gem-email').value.trim());\r\n      fd.append('phone', root.querySelector('#gem-phone').value.trim());\r\n      fd.append('intermediary', root.querySelector('#gem-intermediary').value.trim());\r\n      fd.append('description', root.querySelector('#gem-description').value.trim());\r\n      fd.append('website', root.querySelector('#gem-website').value); \/\/ honeypot \u2014 must stay empty\r\n\r\n      uploadState.photos.forEach(function (file) { fd.append('photos[]', file, file.name); });\r\n      if (uploadState.policeAbstract[0]) fd.append('policeAbstract', uploadState.policeAbstract[0], uploadState.policeAbstract[0].name);\r\n      uploadState.receipts.forEach(function (file) { fd.append('receipts[]', file, file.name); });\r\n\r\n      return fd;\r\n    }\r\n\r\n    function submitClaim() {\r\n      return fetch(CLAIMS_ENDPOINT, { method: 'POST', body: buildClaimFormData() })\r\n        .then(function (res) { return res.json(); })\r\n        .then(function (data) {\r\n          if (!data || data.success !== true || !data.reference) {\r\n            throw new Error((data && data.message) || 'Unexpected response');\r\n          }\r\n          return data.reference;\r\n        });\r\n    }\r\n\r\n    function showSuccess(reference) {\r\n      var claimType = findClaimType(claimTypeSelect.value);\r\n      root.querySelector('[data-gem-ref]').textContent = reference;\r\n      root.querySelector('[data-gem-form-name]').textContent = claimType.formName + ' (PDF)';\r\n      var link = root.querySelector('[data-gem-form-link]');\r\n      link.href = FORM_BASE_URL + claimType.formFile;\r\n      link.setAttribute('download', claimType.formFile);\r\n\r\n      [1, 2, 3].forEach(function (n) { panels[n].hidden = true; panels[n].dataset.active = 'false'; });\r\n      indicators.forEach(function (el) {\r\n        el.setAttribute('data-state', 'done');\r\n        el.querySelector('.gem-claim__step-num').innerHTML = CHECK_ICON;\r\n      });\r\n      lines.forEach(function (el) { el.setAttribute('data-state', 'done'); });\r\n\r\n      panels.success.hidden = false;\r\n      panels.success.dataset.active = 'true';\r\n      var h2 = panels.success.querySelector('h2');\r\n      h2.setAttribute('tabindex', '-1');\r\n      h2.focus();\r\n      root.scrollIntoView({ behavior: 'smooth', block: 'start' });\r\n    }\r\n\r\n    \/* ------------------------------------------------------------\r\n       Button wiring\r\n    ------------------------------------------------------------- *\/\r\n    root.addEventListener('click', function (e) {\r\n      var btn = e.target.closest('[data-gem-action]');\r\n      if (!btn || !root.contains(btn)) return;\r\n      var action = btn.getAttribute('data-gem-action');\r\n\r\n      if (action === 'next-1') {\r\n        if (validateStep1()) goToStep(2);\r\n        return;\r\n      }\r\n      if (action === 'back-2') { goToStep(1); return; }\r\n      if (action === 'next-2') { renderReview(); goToStep(3); return; }\r\n      if (action === 'back-3') { goToStep(2); return; }\r\n      if (action === 'edit-1') { goToStep(1); return; }\r\n      if (action === 'edit-2') { goToStep(2); return; }\r\n      if (action === 'save-draft') { showToast('Draft saved'); return; }\r\n\r\n      if (action === 'submit') {\r\n        if (btn.disabled) return;\r\n        btn.disabled = true;\r\n        var originalHtml = btn.innerHTML;\r\n        btn.innerHTML = 'Submitting\\u2026';\r\n        submitClaim()\r\n          .then(function (reference) {\r\n            showSuccess(reference);\r\n            btn.innerHTML = originalHtml;\r\n          })\r\n          .catch(function () {\r\n            btn.innerHTML = originalHtml;\r\n            btn.disabled = false;\r\n            showToast('Something went wrong sending your claim. Please try again.');\r\n          });\r\n      }\r\n    });\r\n\r\n    \/\/ Initialise checklist for the first (placeholder) selection.\r\n    renderChecklist(CLAIM_TYPES[CLAIM_TYPES.length - 1]);\r\n\r\n  })();\r\n  <\/script>\r\n<\/section>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Report a Claim We&#8217;re here to help you through the process. 1 Details 2 Evidence 3 Review Incident Information Please provide a brief, factual account of what happened. Website Type of Claim* Select the type of claim Please select the type of claim. Insured Name* Please enter the insured name. Registration \/ Policy Number* Please [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1607","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Claims Process - Geminia Insurance<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Claims Process - Geminia Insurance\" \/>\n<meta property=\"og:description\" content=\"Report a Claim We&#8217;re here to help you through the process. 1 Details 2 Evidence 3 Review Incident Information Please provide a brief, factual account of what happened. Website Type of Claim* Select the type of claim Please select the type of claim. Insured Name* Please enter the insured name. 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