{"id":1833,"date":"2026-08-25T12:54:28","date_gmt":"2026-08-25T12:54:28","guid":{"rendered":"https:\/\/geminia.co.ke\/dev\/?page_id=1833"},"modified":"2026-08-25T13:35:08","modified_gmt":"2026-08-25T13:35:08","slug":"faqs","status":"publish","type":"page","link":"https:\/\/geminia.co.ke\/dev\/faqs\/","title":{"rendered":"FAQs"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1833\" class=\"elementor elementor-1833\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4700888 e-con-full e-flex e-con e-parent\" data-id=\"4700888\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-786b98f elementor-widget elementor-widget-html\" data-id=\"786b98f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<section class=\"gem-faq\" data-gem=\"faq\">\r\n<style>\r\n  .gem-faq {\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-navy-soft: #edecf8;\r\n    --gem-blue-soft: #e8f5fc;\r\n    --gem-ink: #1f2233;\r\n    --gem-muted: #5b5f73;\r\n    --gem-line: #e3e5f0;\r\n    --gem-bg-soft: #f5f6fb;\r\n    --gem-white: #ffffff;\r\n    --gem-radius-lg: 24px;\r\n    --gem-radius: 16px;\r\n    --gem-radius-sm: 10px;\r\n    --gem-shadow: 0 10px 30px rgba(57, 54, 128, .10);\r\n    --gem-shadow-lift: 0 18px 40px rgba(57, 54, 128, .16);\r\n    --gem-font-head: 'Poppins', 'Segoe UI', system-ui, sans-serif;\r\n    --gem-font-body: 'Inter', Arial, Helvetica, sans-serif;\r\n    display: block;\r\n    font-family: var(--gem-font-body);\r\n    color: var(--gem-ink);\r\n    background: var(--gem-white);\r\n    -webkit-font-smoothing: antialiased;\r\n    overflow-x: hidden;\r\n  }\r\n\r\n  .gem-faq, .gem-faq *, .gem-faq *::before, .gem-faq *::after {\r\n    box-sizing: border-box;\r\n  }\r\n\r\n  .gem-faq__visually-hidden {\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  .gem-faq ul, .gem-faq ol { margin: 0; padding: 0; list-style: none; }\r\n  .gem-faq p { margin: 0; }\r\n  .gem-faq button { font-family: inherit; }\r\n\r\n  .gem-faq__inner {\r\n    width: 100%;\r\n    max-width: 1240px;\r\n    margin: 0 auto;\r\n    padding: 0 24px;\r\n    box-sizing: border-box;\r\n  }\r\n\r\n  .gem-faq__eyebrow {\r\n    display: inline-block;\r\n    font-family: var(--gem-font-head);\r\n    font-size: 13px;\r\n    font-weight: 600;\r\n    letter-spacing: .04em;\r\n    color: var(--gem-blue-dark);\r\n    text-transform: uppercase;\r\n    margin-bottom: 14px;\r\n  }\r\n\r\n  .gem-faq h1, .gem-faq h2, .gem-faq h3 {\r\n    font-family: var(--gem-font-head);\r\n    color: var(--gem-navy);\r\n    line-height: 1.18;\r\n    margin: 0;\r\n  }\r\n\r\n  .gem-faq a { color: var(--gem-blue-dark) !important; text-decoration: none; }\r\n  .gem-faq a:visited { color: var(--gem-blue-dark) !important; }\r\n  .gem-faq a.gem-faq__btn--primary:visited { color: var(--gem-white) !important; }\r\n  .gem-faq a.gem-faq__btn--secondary:visited { color: var(--gem-white) !important; }\r\n\r\n  .gem-faq :focus-visible {\r\n    outline: 3px solid var(--gem-blue);\r\n    outline-offset: 2px;\r\n    border-radius: 6px;\r\n  }\r\n\r\n  @media (prefers-reduced-motion: reduce) {\r\n    .gem-faq, .gem-faq * {\r\n      animation-duration: .001ms !important;\r\n      transition-duration: .001ms !important;\r\n      scroll-behavior: auto !important;\r\n    }\r\n  }\r\n\r\n  \/* ---------- HERO ---------- *\/\r\n  .gem-faq__hero {\r\n    background:\r\n      radial-gradient(720px 420px at 88% -10%, var(--gem-blue-soft), transparent 60%),\r\n      var(--gem-bg-soft);\r\n    padding: 64px 0 68px;\r\n  }\r\n\r\n  .gem-faq__hero-grid {\r\n    display: grid;\r\n    grid-template-columns: minmax(0, 1.05fr) minmax(0, .95fr);\r\n    gap: 56px;\r\n    align-items: center;\r\n  }\r\n\r\n  .gem-faq__hero-grid > * { min-width: 0; }\r\n\r\n  .gem-faq__h1 {\r\n    font-size: clamp(2rem, 3.6vw, 2.9rem);\r\n    font-weight: 700;\r\n    letter-spacing: -.01em;\r\n    max-width: 15ch;\r\n  }\r\n\r\n  .gem-faq__hero-copy {\r\n    margin-top: 18px;\r\n    font-size: 17px;\r\n    line-height: 1.65;\r\n    color: var(--gem-muted);\r\n    max-width: 46ch;\r\n  }\r\n\r\n  .gem-faq__search {\r\n    margin-top: 30px;\r\n    display: flex;\r\n    align-items: center;\r\n    gap: 8px;\r\n    background: var(--gem-white);\r\n    border: 1px solid var(--gem-line);\r\n    border-radius: var(--gem-radius);\r\n    padding: 6px 6px 6px 18px;\r\n    max-width: 480px;\r\n    box-shadow: var(--gem-shadow);\r\n    transition: border-color .25s ease, box-shadow .25s ease;\r\n  }\r\n\r\n  .gem-faq__search:focus-within {\r\n    border-color: var(--gem-blue);\r\n    box-shadow: 0 0 0 4px rgba(63, 166, 221, .18), var(--gem-shadow);\r\n  }\r\n\r\n  .gem-faq__search-icon {\r\n    flex: none;\r\n    width: 20px;\r\n    height: 20px;\r\n    color: var(--gem-muted);\r\n  }\r\n\r\n  .gem-faq__search-input {\r\n    flex: 1 1 auto;\r\n    min-width: 0;\r\n    border: 0;\r\n    background: transparent;\r\n    font-size: 15px;\r\n    font-family: var(--gem-font-body);\r\n    color: var(--gem-ink);\r\n    padding: 12px 4px;\r\n  }\r\n\r\n  .gem-faq__search-input::placeholder { color: #8a8ea3; }\r\n  .gem-faq__search-input:focus { outline: none; }\r\n\r\n  .gem-faq__search-btn {\r\n    flex: none;\r\n    width: 44px;\r\n    height: 44px;\r\n    border-radius: 12px;\r\n    border: 0;\r\n    background: var(--gem-blue) !important;\r\n    color: var(--gem-white) !important;\r\n    display: grid;\r\n    place-items: center;\r\n    cursor: pointer;\r\n    transition: background .25s ease, transform .2s ease;\r\n  }\r\n\r\n  .gem-faq__search-btn:hover { background: var(--gem-blue-dark) !important; transform: translateY(-1px); }\r\n  .gem-faq__search-btn svg { width: 18px; height: 18px; }\r\n\r\n  .gem-faq__hero-media {\r\n    position: relative;\r\n    border-radius: var(--gem-radius-lg);\r\n    border: 1px solid rgba(57, 54, 128, .12);\r\n    background: var(--gem-navy-soft);\r\n    box-shadow: var(--gem-shadow);\r\n    aspect-ratio: 4 \/ 3.1;\r\n    overflow: hidden;\r\n    transition: transform .4s ease, box-shadow .4s ease;\r\n  }\r\n\r\n  .gem-faq__hero-media:hover {\r\n    transform: scale(1.02);\r\n    box-shadow: var(--gem-shadow-lift);\r\n  }\r\n\r\n  .gem-faq__hero-media img {\r\n    width: 100%;\r\n    height: 100%;\r\n    display: block;\r\n    object-fit: cover;\r\n  }\r\n\r\n  @media (max-width: 1023px) {\r\n    .gem-faq__hero-grid { grid-template-columns: 1fr; gap: 36px; }\r\n    .gem-faq__hero-media { max-width: 420px; margin: 0 auto; aspect-ratio: 4\/3; }\r\n    .gem-faq__h1 { max-width: none; }\r\n  }\r\n\r\n  @media (max-width: 767px) {\r\n    .gem-faq__hero { padding: 44px 0 44px; }\r\n    .gem-faq__search { max-width: none; padding-left: 14px; }\r\n  }\r\n\r\n  \/* ---------- SECTION HEADINGS ---------- *\/\r\n  .gem-faq__section { padding: 68px 0; }\r\n  .gem-faq__section-head { text-align: center; max-width: 620px; margin: 0 auto 40px; }\r\n  .gem-faq__section-head h2 { font-size: clamp(1.5rem, 2.4vw, 2rem); font-weight: 700; }\r\n  .gem-faq__section-head p { margin-top: 10px; color: var(--gem-muted); font-size: 16px; line-height: 1.6; }\r\n\r\n  \/* ---------- POPULAR CATEGORIES ---------- *\/\r\n  .gem-faq__categories { background: var(--gem-white); }\r\n\r\n  .gem-faq__cat-grid {\r\n    display: grid;\r\n    grid-template-columns: repeat(3, minmax(0, 1fr));\r\n    gap: 20px;\r\n  }\r\n\r\n  .gem-faq__cat-card {\r\n    position: relative;\r\n    display: flex;\r\n    flex-direction: column;\r\n    align-items: flex-start;\r\n    gap: 14px;\r\n    text-align: left;\r\n    width: 100%;\r\n    min-width: 0;\r\n    padding: 26px 24px 24px;\r\n    background: var(--gem-navy-soft) !important;\r\n    border: 1px solid transparent !important;\r\n    border-radius: var(--gem-radius);\r\n    cursor: pointer;\r\n    color: inherit !important;\r\n    transition: transform .3s ease, background .3s ease, border-color .3s ease, box-shadow .3s ease;\r\n  }\r\n\r\n  .gem-faq__cat-icon {\r\n    width: 48px;\r\n    height: 48px;\r\n    border-radius: 12px;\r\n    background: var(--gem-white) !important;\r\n    color: var(--gem-navy) !important;\r\n    display: grid;\r\n    place-items: center;\r\n    transition: background .3s ease, color .3s ease;\r\n  }\r\n\r\n  .gem-faq__cat-icon svg { width: 24px; height: 24px; }\r\n\r\n  .gem-faq__cat-card h3 {\r\n    width: 100%;\r\n    font-size: 17px;\r\n    font-weight: 600;\r\n    color: var(--gem-navy) !important;\r\n    white-space: normal !important;\r\n    overflow-wrap: break-word !important;\r\n    word-break: break-word;\r\n    transition: color .3s ease;\r\n  }\r\n\r\n  .gem-faq__cat-card p {\r\n    width: 100%;\r\n    font-size: 14px;\r\n    line-height: 1.55;\r\n    color: var(--gem-muted) !important;\r\n    white-space: normal !important;\r\n    overflow-wrap: break-word !important;\r\n    word-break: break-word;\r\n  }\r\n\r\n  .gem-faq__cat-arrow {\r\n    position: absolute;\r\n    top: 24px;\r\n    right: 22px;\r\n    width: 20px;\r\n    height: 20px;\r\n    color: var(--gem-blue) !important;\r\n    opacity: 0;\r\n    transform: translate(-4px, 4px);\r\n    transition: opacity .3s ease, transform .3s ease;\r\n  }\r\n\r\n  .gem-faq__cat-card:hover,\r\n  .gem-faq__cat-card:focus-visible {\r\n    transform: translateY(-6px);\r\n    background: var(--gem-white) !important;\r\n    border-color: var(--gem-blue) !important;\r\n    box-shadow: var(--gem-shadow-lift);\r\n  }\r\n\r\n  .gem-faq__cat-card:hover .gem-faq__cat-icon,\r\n  .gem-faq__cat-card:focus-visible .gem-faq__cat-icon {\r\n    background: var(--gem-blue) !important;\r\n    color: var(--gem-white) !important;\r\n  }\r\n\r\n  .gem-faq__cat-card:hover h3,\r\n  .gem-faq__cat-card:focus-visible h3 {\r\n    color: var(--gem-navy) !important;\r\n  }\r\n\r\n  .gem-faq__cat-card:hover .gem-faq__cat-arrow,\r\n  .gem-faq__cat-card:focus-visible .gem-faq__cat-arrow {\r\n    opacity: 1;\r\n    transform: translate(0, 0);\r\n  }\r\n\r\n\r\n  @media (max-width: 1023px) {\r\n    .gem-faq__cat-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }\r\n  }\r\n\r\n  @media (max-width: 640px) {\r\n    .gem-faq__cat-grid { grid-template-columns: minmax(0, 1fr); }\r\n  }\r\n\r\n  \/* ---------- FAQ SECTION ---------- *\/\r\n  .gem-faq__main { background: var(--gem-bg-soft); }\r\n\r\n  .gem-faq__layout {\r\n    display: grid;\r\n    grid-template-columns: 260px minmax(0, 1fr);\r\n    gap: 40px;\r\n    align-items: start;\r\n  }\r\n\r\n  .gem-faq__layout > * { min-width: 0; }\r\n\r\n  .gem-faq__nav {\r\n    display: flex;\r\n    flex-direction: column;\r\n    gap: 6px;\r\n    position: sticky;\r\n    top: 20px;\r\n  }\r\n\r\n  .gem-faq__nav-btn {\r\n    display: flex;\r\n    align-items: center;\r\n    justify-content: space-between;\r\n    text-align: left;\r\n    width: 100%;\r\n    padding: 12px 16px;\r\n    border-radius: var(--gem-radius-sm);\r\n    border: 1px solid transparent !important;\r\n    background: var(--gem-white) !important;\r\n    color: var(--gem-ink) !important;\r\n    font-size: 14.5px;\r\n    font-weight: 500;\r\n    white-space: normal !important;\r\n    overflow-wrap: break-word !important;\r\n    cursor: pointer;\r\n    transition: background .25s ease, color .25s ease, border-color .25s ease;\r\n  }\r\n\r\n  .gem-faq__nav-btn:hover { border-color: var(--gem-line) !important; }\r\n\r\n  .gem-faq__nav-btn.is-active {\r\n    background: var(--gem-navy) !important;\r\n    color: var(--gem-white) !important;\r\n    font-weight: 600;\r\n  }\r\n\r\n  .gem-faq__nav-count {\r\n    font-size: 12px;\r\n    color: var(--gem-muted) !important;\r\n    background: var(--gem-bg-soft) !important;\r\n    border-radius: 999px;\r\n    padding: 2px 8px;\r\n    min-width: 24px;\r\n    text-align: center;\r\n  }\r\n\r\n  .gem-faq__nav-btn.is-active .gem-faq__nav-count {\r\n    background: rgba(255, 255, 255, .18) !important;\r\n    color: var(--gem-white) !important;\r\n  }\r\n\r\n  .gem-faq__results {\r\n    min-height: 240px;\r\n  }\r\n\r\n  .gem-faq__group + .gem-faq__group { margin-top: 36px; }\r\n\r\n  .gem-faq__group-title {\r\n    font-family: var(--gem-font-head);\r\n    font-size: 13px;\r\n    font-weight: 600;\r\n    letter-spacing: .03em;\r\n    text-transform: uppercase;\r\n    color: var(--gem-blue-dark);\r\n    margin-bottom: 14px;\r\n  }\r\n\r\n  .gem-faq__list {\r\n    background: var(--gem-white);\r\n    border: 1px solid var(--gem-line);\r\n    border-radius: var(--gem-radius);\r\n    overflow: hidden;\r\n  }\r\n\r\n  .gem-faq__item + .gem-faq__item { border-top: 1px solid var(--gem-line); }\r\n\r\n  .gem-faq__q {\r\n    width: 100%;\r\n    display: flex;\r\n    align-items: center;\r\n    justify-content: space-between;\r\n    gap: 20px;\r\n    text-align: left;\r\n    background: transparent !important;\r\n    border: 0;\r\n    cursor: pointer;\r\n    padding: 20px 24px;\r\n    transition: background .25s ease;\r\n  }\r\n\r\n  .gem-faq__q:hover { background: var(--gem-navy-soft) !important; }\r\n\r\n  .gem-faq__q-text {\r\n    font-family: var(--gem-font-head);\r\n    font-size: 15.5px;\r\n    font-weight: 500;\r\n    color: var(--gem-ink) !important;\r\n    white-space: normal !important;\r\n    overflow-wrap: break-word !important;\r\n    transition: color .25s ease;\r\n  }\r\n\r\n  .gem-faq__q:hover .gem-faq__q-text,\r\n  .gem-faq__q[aria-expanded=\"true\"] .gem-faq__q-text { color: var(--gem-navy) !important; }\r\n\r\n  .gem-faq__q-icon {\r\n    flex: none;\r\n    width: 30px;\r\n    height: 30px;\r\n    border-radius: 50%;\r\n    display: grid;\r\n    place-items: center;\r\n    color: var(--gem-navy) !important;\r\n    background: var(--gem-navy-soft) !important;\r\n    transition: color .25s ease, background .25s ease;\r\n  }\r\n\r\n  .gem-faq__q:hover .gem-faq__q-icon { color: var(--gem-blue) !important; }\r\n  .gem-faq__q-icon svg { width: 15px; height: 15px; }\r\n  .gem-faq__q-icon .gem-faq__icon-minus { display: none; }\r\n  .gem-faq__q[aria-expanded=\"true\"] .gem-faq__q-icon { background: var(--gem-blue) !important; color: var(--gem-white) !important; }\r\n  .gem-faq__q[aria-expanded=\"true\"] .gem-faq__icon-plus { display: none; }\r\n  .gem-faq__q[aria-expanded=\"true\"] .gem-faq__icon-minus { display: block; }\r\n\r\n  .gem-faq__a-wrap {\r\n    display: grid;\r\n    grid-template-rows: 0fr;\r\n    transition: grid-template-rows .32s ease;\r\n    background: linear-gradient(180deg, var(--gem-blue-soft), var(--gem-white) 70%);\r\n  }\r\n\r\n  .gem-faq__a-wrap.is-open { grid-template-rows: 1fr; }\r\n\r\n  .gem-faq__a-inner { overflow: hidden; }\r\n\r\n  .gem-faq__a {\r\n    padding: 0 24px 22px 24px;\r\n    font-size: 15px;\r\n    line-height: 1.7;\r\n    color: var(--gem-muted);\r\n    max-width: 68ch;\r\n  }\r\n\r\n  .gem-faq__no-results {\r\n    display: none;\r\n    text-align: center;\r\n    padding: 56px 24px;\r\n    background: var(--gem-white);\r\n    border: 1px dashed var(--gem-line);\r\n    border-radius: var(--gem-radius);\r\n  }\r\n\r\n  .gem-faq__no-results.is-visible { display: block; }\r\n  .gem-faq__no-results h3 { font-size: 18px; margin-bottom: 8px; }\r\n  .gem-faq__no-results p { color: var(--gem-muted); font-size: 14.5px; }\r\n\r\n  @media (max-width: 1023px) {\r\n    .gem-faq__layout { grid-template-columns: minmax(0, 1fr); gap: 20px; }\r\n    .gem-faq__nav {\r\n      position: static;\r\n      flex-direction: row;\r\n      flex-wrap: nowrap;\r\n      overflow-x: auto;\r\n      -webkit-overflow-scrolling: touch;\r\n      scroll-snap-type: x proximity;\r\n      padding-bottom: 6px;\r\n      gap: 8px;\r\n    }\r\n    .gem-faq__nav-btn { flex: none; scroll-snap-align: start; white-space: nowrap !important; }\r\n    .gem-faq__nav::-webkit-scrollbar { height: 6px; }\r\n    .gem-faq__nav::-webkit-scrollbar-thumb { background: var(--gem-line); border-radius: 999px; }\r\n  }\r\n\r\n  @media (max-width: 640px) {\r\n    .gem-faq__q { padding: 16px 18px; gap: 14px; }\r\n    .gem-faq__a { padding: 0 18px 18px; }\r\n    .gem-faq__q-text { font-size: 15px; }\r\n  }\r\n\r\n  \/* ---------- CTA ---------- *\/\r\n  .gem-faq__cta {\r\n    position: relative;\r\n    overflow: hidden;\r\n    background: var(--gem-navy);\r\n    border-radius: var(--gem-radius-lg);\r\n    padding: 56px 40px;\r\n    text-align: center;\r\n    margin: 0 24px;\r\n  }\r\n\r\n  .gem-faq__cta::before,\r\n  .gem-faq__cta::after {\r\n    content: \"\";\r\n    position: absolute;\r\n    border-radius: 50%;\r\n    opacity: .5;\r\n  }\r\n\r\n  .gem-faq__cta::before {\r\n    width: 340px; height: 340px;\r\n    background: radial-gradient(circle, rgba(63,166,221,.35), transparent 70%);\r\n    top: -140px; right: -80px;\r\n  }\r\n\r\n  .gem-faq__cta::after {\r\n    width: 260px; height: 260px;\r\n    background: radial-gradient(circle, rgba(255,255,255,.10), transparent 70%);\r\n    bottom: -120px; left: -60px;\r\n  }\r\n\r\n  .gem-faq__cta-inner { position: relative; max-width: 560px; margin: 0 auto; }\r\n\r\n  .gem-faq__cta h2 {\r\n    color: var(--gem-white);\r\n    font-size: clamp(1.5rem, 2.6vw, 2.1rem);\r\n    font-weight: 700;\r\n  }\r\n\r\n  .gem-faq__cta p {\r\n    margin-top: 14px;\r\n    color: rgba(255, 255, 255, .82);\r\n    font-size: 16px;\r\n    line-height: 1.65;\r\n  }\r\n\r\n  .gem-faq__cta-actions {\r\n    margin-top: 30px;\r\n    display: flex;\r\n    justify-content: center;\r\n    gap: 14px;\r\n    flex-wrap: wrap;\r\n  }\r\n\r\n  .gem-faq__btn {\r\n    display: inline-flex;\r\n    align-items: center;\r\n    justify-content: center;\r\n    padding: 14px 28px;\r\n    border-radius: var(--gem-radius-sm);\r\n    font-family: var(--gem-font-head);\r\n    font-size: 14.5px;\r\n    font-weight: 600;\r\n    text-decoration: none;\r\n    border: 1px solid transparent;\r\n    cursor: pointer;\r\n    transition: transform .25s ease, background .25s ease, box-shadow .25s ease, border-color .25s ease;\r\n  }\r\n\r\n  .gem-faq__btn--primary {\r\n    background: var(--gem-blue) !important;\r\n    color: var(--gem-white) !important;\r\n  }\r\n\r\n  .gem-faq__btn--primary:hover {\r\n    background: var(--gem-blue-dark) !important;\r\n    transform: translateY(-2px);\r\n    box-shadow: 0 12px 24px rgba(0,0,0,.18);\r\n  }\r\n\r\n  .gem-faq__btn--secondary {\r\n    background: transparent !important;\r\n    color: var(--gem-white) !important;\r\n    border-color: rgba(255,255,255,.55) !important;\r\n  }\r\n\r\n  .gem-faq__btn--secondary:hover {\r\n    background: rgba(255,255,255,.10) !important;\r\n    border-color: var(--gem-white) !important;\r\n    transform: translateY(-2px);\r\n  }\r\n\r\n  @media (max-width: 640px) {\r\n    .gem-faq__cta { padding: 44px 24px; margin: 0 16px; }\r\n    .gem-faq__cta-actions { flex-direction: column; }\r\n    .gem-faq__btn { width: 100%; }\r\n  }\r\n<\/style>\r\n\r\n  <!-- ============ HERO ============ -->\r\n  <div class=\"gem-faq__hero\">\r\n    <div class=\"gem-faq__inner gem-faq__hero-grid\">\r\n      <div>\r\n        <h1 class=\"gem-faq__h1\">Have Questions About Insurance? We Have Answers.<\/h1>\r\n        <p class=\"gem-faq__hero-copy\">Find quick answers to common questions about policies, claims, coverage options and more. We've made insurance information simple, so you can make decisions with confidence.<\/p>\r\n\r\n        <form class=\"gem-faq__search\" role=\"search\" data-gem-search-form>\r\n          <svg class=\"gem-faq__search-icon\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" aria-hidden=\"true\">\r\n            <circle cx=\"11\" cy=\"11\" r=\"7\"><\/circle>\r\n            <line x1=\"21\" y1=\"21\" x2=\"16.2\" y2=\"16.2\"><\/line>\r\n          <\/svg>\r\n          <label class=\"gem-faq__visually-hidden\" for=\"gemFaqSearchInput\">Search for answers<\/label>\r\n          <input\r\n            id=\"gemFaqSearchInput\"\r\n            class=\"gem-faq__search-input\"\r\n            type=\"search\"\r\n            placeholder=\"Search for answers...\"\r\n            autocomplete=\"off\"\r\n            data-gem-search-input\r\n          >\r\n          <button class=\"gem-faq__search-btn\" type=\"submit\" aria-label=\"Search FAQs\">\r\n            <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\">\r\n              <line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"><\/line>\r\n              <polyline points=\"12 5 19 12 12 19\"><\/polyline>\r\n            <\/svg>\r\n          <\/button>\r\n        <\/form>\r\n      <\/div>\r\n\r\n      <div class=\"gem-faq__hero-media\">\r\n        <img decoding=\"async\"\r\n          src=\"https:\/\/geminia.co.ke\/dev\/wp-content\/uploads\/2026\/08\/FAQ-Image.jpg\"\r\n          alt=\"Geminia Insurance support\"\r\n        >\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- ============ POPULAR CATEGORIES ============ -->\r\n  <div class=\"gem-faq__section gem-faq__categories\">\r\n    <div class=\"gem-faq__inner\">\r\n      <div class=\"gem-faq__section-head\">\r\n        <h2>Popular Categories<\/h2>\r\n        <p>Select a topic to find specific answers quickly.<\/p>\r\n      <\/div>\r\n\r\n      <div class=\"gem-faq__cat-grid\" data-gem-cat-grid>\r\n\r\n        <button class=\"gem-faq__cat-card\" type=\"button\" data-gem-cat-card=\"motor\">\r\n          <span class=\"gem-faq__cat-icon\">\r\n            <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\">\r\n              <path d=\"M4 16 L5.2 10.4 C5.5 9 6.8 8 8.2 8 H15.8 C17.2 8 18.5 9 18.8 10.4 L20 16\"><\/path>\r\n              <rect x=\"2.5\" y=\"16\" width=\"19\" height=\"4.2\" rx=\"1.4\"><\/rect>\r\n              <circle cx=\"7\" cy=\"20.2\" r=\"1.6\"><\/circle>\r\n              <circle cx=\"17\" cy=\"20.2\" r=\"1.6\"><\/circle>\r\n              <line x1=\"4\" y1=\"12.2\" x2=\"20\" y2=\"12.2\"><\/line>\r\n            <\/svg>\r\n          <\/span>\r\n          <h3>Motor<\/h3>\r\n          <p>Understand your motor insurance, cover options, claims and more.<\/p>\r\n          <svg class=\"gem-faq__cat-arrow\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><line x1=\"7\" y1=\"17\" x2=\"17\" y2=\"7\"><\/line><polyline points=\"8 7 17 7 17 16\"><\/polyline><\/svg>\r\n        <\/button>\r\n\r\n        <button class=\"gem-faq__cat-card\" type=\"button\" data-gem-cat-card=\"home\">\r\n          <span class=\"gem-faq__cat-icon\">\r\n            <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\">\r\n              <path d=\"M4 11.5 L12 4 L20 11.5\"><\/path>\r\n              <path d=\"M6 10 V20 H18 V10\"><\/path>\r\n              <rect x=\"10\" y=\"14\" width=\"4\" height=\"6\"><\/rect>\r\n            <\/svg>\r\n          <\/span>\r\n          <h3>Home<\/h3>\r\n          <p>Learn how to protect your home, belongings and household.<\/p>\r\n          <svg class=\"gem-faq__cat-arrow\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><line x1=\"7\" y1=\"17\" x2=\"17\" y2=\"7\"><\/line><polyline points=\"8 7 17 7 17 16\"><\/polyline><\/svg>\r\n        <\/button>\r\n\r\n        <button class=\"gem-faq__cat-card\" type=\"button\" data-gem-cat-card=\"pet\">\r\n          <span class=\"gem-faq__cat-icon\">\r\n            <svg viewBox=\"0 0 24 24\" fill=\"currentColor\" stroke=\"none\" aria-hidden=\"true\">\r\n              <ellipse cx=\"12\" cy=\"16.4\" rx=\"5.4\" ry=\"4.2\"><\/ellipse>\r\n              <circle cx=\"5.6\" cy=\"10.4\" r=\"1.9\"><\/circle>\r\n              <circle cx=\"9.6\" cy=\"6.6\" r=\"1.9\"><\/circle>\r\n              <circle cx=\"14.4\" cy=\"6.6\" r=\"1.9\"><\/circle>\r\n              <circle cx=\"18.4\" cy=\"10.4\" r=\"1.9\"><\/circle>\r\n            <\/svg>\r\n          <\/span>\r\n          <h3>Pet<\/h3>\r\n          <p>Find answers about protecting your dog and other pets.<\/p>\r\n          <svg class=\"gem-faq__cat-arrow\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><line x1=\"7\" y1=\"17\" x2=\"17\" y2=\"7\"><\/line><polyline points=\"8 7 17 7 17 16\"><\/polyline><\/svg>\r\n        <\/button>\r\n\r\n        <button class=\"gem-faq__cat-card\" type=\"button\" data-gem-cat-card=\"travel\">\r\n          <span class=\"gem-faq__cat-icon\">\r\n            <svg viewBox=\"0 0 24 24\" fill=\"currentColor\" stroke=\"none\" aria-hidden=\"true\">\r\n              <path d=\"M2.5 13.2 L21 5.4 C21.7 5.1 22.3 5.9 21.9 6.5 L15.7 15.6 L16.6 20.4 C16.7 21 16 21.5 15.5 21.1 L12.4 18.6 L9.9 20.6 C9.4 21 8.7 20.7 8.6 20.1 L8 16 L2.3 14.3 C1.7 14.1 1.8 13.4 2.5 13.2 Z\" ><\/path>\r\n            <\/svg>\r\n          <\/span>\r\n          <h3>Travel<\/h3>\r\n          <p>Everything you need to know about travel insurance.<\/p>\r\n          <svg class=\"gem-faq__cat-arrow\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><line x1=\"7\" y1=\"17\" x2=\"17\" y2=\"7\"><\/line><polyline points=\"8 7 17 7 17 16\"><\/polyline><\/svg>\r\n        <\/button>\r\n\r\n        <button class=\"gem-faq__cat-card\" type=\"button\" data-gem-cat-card=\"business\">\r\n          <span class=\"gem-faq__cat-icon\">\r\n            <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\">\r\n              <rect x=\"4\" y=\"3.5\" width=\"11\" height=\"17\" rx=\"1\"><\/rect>\r\n              <rect x=\"15\" y=\"9\" width=\"5\" height=\"11.5\" rx=\"1\"><\/rect>\r\n              <line x1=\"7\" y1=\"7\" x2=\"9\" y2=\"7\"><\/line>\r\n              <line x1=\"11\" y1=\"7\" x2=\"13\" y2=\"7\"><\/line>\r\n              <line x1=\"7\" y1=\"10.5\" x2=\"9\" y2=\"10.5\"><\/line>\r\n              <line x1=\"11\" y1=\"10.5\" x2=\"13\" y2=\"10.5\"><\/line>\r\n              <line x1=\"7\" y1=\"14\" x2=\"9\" y2=\"14\"><\/line>\r\n              <line x1=\"11\" y1=\"14\" x2=\"13\" y2=\"14\"><\/line>\r\n            <\/svg>\r\n          <\/span>\r\n          <h3>Business<\/h3>\r\n          <p>Understand insurance options for protecting your business.<\/p>\r\n          <svg class=\"gem-faq__cat-arrow\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><line x1=\"7\" y1=\"17\" x2=\"17\" y2=\"7\"><\/line><polyline points=\"8 7 17 7 17 16\"><\/polyline><\/svg>\r\n        <\/button>\r\n\r\n        <button class=\"gem-faq__cat-card\" type=\"button\" data-gem-cat-card=\"claims\">\r\n          <span class=\"gem-faq__cat-icon\">\r\n            <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" 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<\/div>\r\n  <\/div>\r\n\r\n  <!-- ============ FAQ ============ -->\r\n  <div class=\"gem-faq__section gem-faq__main\" data-gem-faq-anchor>\r\n    <div class=\"gem-faq__inner\">\r\n      <div class=\"gem-faq__section-head\">\r\n        <h2>Frequently Asked Questions<\/h2>\r\n        <p>Straightforward answers to the questions we hear most often.<\/p>\r\n      <\/div>\r\n\r\n      <div class=\"gem-faq__layout\">\r\n        <nav class=\"gem-faq__nav\" aria-label=\"FAQ categories\" data-gem-nav><\/nav>\r\n\r\n        <div>\r\n          <div class=\"gem-faq__results\" data-gem-results aria-live=\"polite\"><\/div>\r\n\r\n          <div class=\"gem-faq__no-results\" data-gem-no-results>\r\n            <h3>No answers found.<\/h3>\r\n            <p>Try searching for something else or browse our categories below.<\/p>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- ============ CTA ============ -->\r\n  <div class=\"gem-faq__section\" style=\"padding-top:0;\">\r\n    <div class=\"gem-faq__cta\">\r\n      <div class=\"gem-faq__cta-inner\">\r\n        <h2>Still Can't Find Your Answer?<\/h2>\r\n        <p>You don't have to figure out insurance alone. Our team is ready to help you understand your options and find the right cover for your needs.<\/p>\r\n        <!-- REPLACE: point these at your real contact\/enquiry page and quote page -->\r\n        <div class=\"gem-faq__cta-actions\">\r\n          <a class=\"gem-faq__btn gem-faq__btn--primary\" href=\"#\">Ask Us a Question<\/a>\r\n          <a class=\"gem-faq__btn gem-faq__btn--secondary\" href=\"#\">Get a Quote<\/a>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <script>\r\n  (function () {\r\n    var root = document.currentScript.closest('[data-gem=\"faq\"]');\r\n    if (!root || root.dataset.gemInit) return;\r\n    root.dataset.gemInit = '1';\r\n\r\n    \/* ---------------- Category metadata ---------------- *\/\r\n    var CATEGORIES = [\r\n      { id: 'all',                label: 'All' },\r\n      { id: 'general',            label: 'General Insurance',   sectionTitle: 'General Insurance' },\r\n      { id: 'motor',               label: 'Motor',               sectionTitle: 'Motor Insurance' },\r\n      { id: 'home',                label: 'Home',                sectionTitle: 'Home Insurance' },\r\n      { id: 'pet',                 label: 'Pet',                 sectionTitle: 'Pet Insurance' },\r\n      { id: 'travel',              label: 'Travel',              sectionTitle: 'Travel Insurance' },\r\n      { id: 'personal-accident',   label: 'Personal Accident',   sectionTitle: 'Personal Accident' },\r\n      { id: 'business',            label: 'Business',            sectionTitle: 'Business Insurance' },\r\n      { id: 'claims',              label: 'Claims & Payments',   sectionTitle: 'Claims & Payments' },\r\n      { id: 'terms',               label: 'Insurance Terms',     sectionTitle: 'Insurance Terms, Explained Simply' }\r\n    ];\r\n\r\n    \/* ---------------- FAQ content ---------------- *\/\r\n    var FAQ_DATA = [\r\n      \/\/ GENERAL INSURANCE\r\n      { category: 'general', question: \"What is insurance?\", answer: \"Insurance is a way of protecting yourself, your family, your property or your business against unexpected financial losses. You pay a premium for an agreed level of protection, and if a covered event occurs, your insurer may compensate you according to the terms and conditions of your policy.\" },\r\n      { category: 'general', question: \"Why do I need insurance?\", answer: \"The unexpected can be expensive. Insurance helps reduce the financial impact of events such as accidents, theft, fire, damage to property, illness or injury, depending on the type of insurance you choose.\" },\r\n      { category: 'general', question: \"How do I know which insurance cover is right for me?\", answer: \"It depends on what you want to protect and the risks you face. For example, a vehicle owner may need motor insurance, while a homeowner may consider home insurance. A business may need several types of cover depending on its activities, property, employees and risks.\" },\r\n      { category: 'general', question: \"What is a premium?\", answer: \"A premium is the amount you pay for your insurance cover. The amount depends on factors such as the type of insurance, the value of what you are insuring, the level of cover and the risks involved.\" },\r\n      { category: 'general', question: \"What is an insurance policy?\", answer: \"An insurance policy is the contract between you and the insurer. It explains what is covered, the limits of cover, exclusions, conditions, your premium and other important terms.\" },\r\n      { category: 'general', question: \"What is an excess?\", answer: \"An excess is the amount you may be required to contribute towards a claim before the insurer pays the balance, depending on the terms of your policy.\" },\r\n      { category: 'general', question: \"What is an exclusion?\", answer: \"An exclusion is something your insurance policy does not cover. Exclusions vary depending on the type of insurance, so it is important to understand them before purchasing a policy.\" },\r\n      { category: 'general', question: \"Does having insurance mean everything is covered?\", answer: \"Not necessarily. Insurance covers specific risks stated in your policy and is subject to limits, conditions and exclusions.\" },\r\n\r\n      \/\/ MOTOR INSURANCE\r\n      { category: 'motor', question: \"What is the difference between Third Party, Third Party Fire & Theft and Comprehensive insurance?\", answer: \"Third Party provides protection for your legal liability to third parties. Third Party Fire & Theft provides third-party protection together with specified protection for your vehicle against risks such as fire and theft. Comprehensive insurance provides broader protection for your vehicle, including specified accidental damage, fire and theft, together with third-party liability, subject to the policy terms.\" },\r\n      { category: 'motor', question: \"Is motor insurance mandatory in Kenya?\", answer: \"Yes. At minimum, vehicles used on Kenyan roads are required to have third-party motor insurance as provided for under Kenyan law.\" },\r\n      { category: 'motor', question: \"Does comprehensive insurance cover everything?\", answer: \"No. Comprehensive does not mean every possible event is automatically covered. Your policy will have specific benefits, limits, conditions and exclusions.\" },\r\n      { category: 'motor', question: \"Can I insure an older vehicle?\", answer: \"Vehicle eligibility depends on the applicable underwriting requirements and policy terms. Contact Geminia to confirm whether your vehicle qualifies.\" },\r\n      { category: 'motor', question: \"What happens if my car is stolen?\", answer: \"Report the theft to the relevant authorities and notify Geminia as soon as possible. You will be guided through the claims process and the documentation required.\" },\r\n      { category: 'motor', question: \"What should I do after a motor accident?\", answer: \"Prioritise everyone's safety, seek medical assistance where necessary, document the incident where safe to do so, notify the relevant authorities where required and contact Geminia as soon as possible.\" },\r\n\r\n      \/\/ HOME INSURANCE\r\n      { category: 'home', question: \"Why should I insure my home?\", answer: \"Your home contains things you have worked hard to build and acquire. Home insurance can help protect your property and belongings against specified risks such as fire, burglary and other insured events.\" },\r\n      { category: 'home', question: \"Does home insurance cover the building or my belongings?\", answer: \"Depending on the policy selected, cover can be arranged for the building, contents and other specified risks.\" },\r\n      { category: 'home', question: \"Can I insure my household belongings?\", answer: \"Yes. Household contents can be insured under the appropriate home insurance cover, subject to the policy terms and sums insured.\" },\r\n      { category: 'home', question: \"What happens if I rent my home?\", answer: \"Depending on your circumstances, you may be able to insure your contents and certain liabilities even if you do not own the building.\" },\r\n      { category: 'home', question: \"Does home insurance cover theft?\", answer: \"Specified theft or burglary risks can be covered depending on the policy selected and the circumstances of the loss.\" },\r\n\r\n      \/\/ PET INSURANCE\r\n      { category: 'pet', question: \"Why should I insure my pet?\", answer: \"Pets are part of the family, but unexpected veterinary treatment can be costly. Pet insurance can help you manage eligible veterinary expenses arising from covered events, depending on the policy.\" },\r\n      { category: 'pet', question: \"What does pet insurance cover?\", answer: \"The exact benefits depend on the pet insurance plan selected. Your policy will specify the covered veterinary expenses, limits, exclusions and conditions.\" },\r\n      { category: 'pet', question: \"Can I insure my dog?\", answer: \"Yes, subject to the eligibility requirements and terms of the pet insurance policy.\" },\r\n      { category: 'pet', question: \"Can I insure other pets besides dogs?\", answer: \"Pet insurance availability depends on the types of pets and risks covered under the policy. Contact Geminia to find out whether your pet qualifies.\" },\r\n      { category: 'pet', question: \"Does pet insurance cover routine vaccinations?\", answer: \"Not necessarily. Routine care and preventative treatments may be excluded unless specifically included in your policy.\" },\r\n      { category: 'pet', question: \"What happens if my pet gets sick?\", answer: \"Contact your veterinarian and notify Geminia according to the requirements of your policy. Keep relevant veterinary records, invoices and other documents that may be required when submitting a claim.\" },\r\n\r\n      \/\/ TRAVEL INSURANCE\r\n      { category: 'travel', question: \"When should I buy travel insurance?\", answer: \"Travel insurance should be purchased before travelling.\" },\r\n      { category: 'travel', question: \"What does travel insurance cover?\", answer: \"Depending on the selected cover, benefits may include medical expenses, personal accident, baggage-related protection, personal liability, trip cancellation and curtailment.\" },\r\n      { category: 'travel', question: \"Does travel insurance cover medical emergencies abroad?\", answer: \"Travel insurance can provide cover for eligible medical expenses arising from illness or injury during your trip, subject to the policy terms, limits and exclusions.\" },\r\n      { category: 'travel', question: \"Can I buy travel insurance after arriving at my destination?\", answer: \"No. Travel insurance should be arranged before travelling.\" },\r\n\r\n      \/\/ PERSONAL ACCIDENT\r\n      { category: 'personal-accident', question: \"What is Personal Accident Insurance?\", answer: \"Personal Accident insurance provides protection against specified injuries, disability or death resulting from an accident, subject to the policy terms.\" },\r\n      { category: 'personal-accident', question: \"Who needs Personal Accident Insurance?\", answer: \"It can be useful for people whose ability to work and earn an income could be significantly affected by an accident.\" },\r\n      { category: 'personal-accident', question: \"Does Personal Accident cover illness?\", answer: \"Personal Accident insurance is designed around accidental events rather than general illness. The exact benefits and exclusions are set out in the policy.\" },\r\n      { category: 'personal-accident', question: \"Can my family be covered?\", answer: \"Depending on the selected cover, protection can be extended to eligible family members and dependants.\" },\r\n\r\n      \/\/ BUSINESS INSURANCE\r\n      { category: 'business', question: \"Why does my business need insurance?\", answer: \"Your business faces risks every day, from fire and theft to property damage, employee accidents, liability and interruptions to operations. Insurance can help protect the investment you have made in your business.\" },\r\n      { category: 'business', question: \"What types of business insurance are available?\", answer: \"The right combination depends on your business. Insurance options can include SME, Business Combined, Money, Burglary, Goods in Transit, Electronic Equipment, Fidelity Guarantee, Plate Glass and other specialist covers.\" },\r\n      { category: 'business', question: \"Can one policy cover several business risks?\", answer: \"Yes. Some combined insurance products are designed to bring multiple covers together.\" },\r\n      { category: 'business', question: \"What is Business Interruption Insurance?\", answer: \"Business interruption insurance can help protect against certain financial losses resulting from an interruption to business operations caused by an insured event, subject to the policy terms.\" },\r\n      { category: 'business', question: \"Can I insure my business against burglary?\", answer: \"Yes. Burglary insurance can provide protection against specified losses arising from forcible entry or exit from insured premises, subject to the policy terms and exclusions.\" },\r\n\r\n      \/\/ CLAIMS & PAYMENTS\r\n      { category: 'claims', question: \"What is an insurance claim?\", answer: \"A claim is a formal request made to your insurer for compensation or assistance following an event covered by your insurance policy.\" },\r\n      { category: 'claims', question: \"How do I make an insurance claim?\", answer: \"Report the incident to Geminia as soon as reasonably possible and provide the required claim information and supporting documents.\" },\r\n      { category: 'claims', question: \"What documents do I need to make a claim?\", answer: \"The documents required depend on the type of insurance and circumstances of the incident. These may include a completed claim form, reports, invoices, photographs, receipts, police documentation or other supporting evidence.\" },\r\n      { category: 'claims', question: \"How soon should I report an incident?\", answer: \"Report an incident to Geminia as soon as possible.\" },\r\n      { category: 'claims', question: \"Can my claim be rejected?\", answer: \"A claim may not be payable if the event is excluded from the policy, policy conditions have not been met, the loss falls outside the scope or limit of cover, or other applicable policy requirements have not been satisfied.\" },\r\n      { category: 'claims', question: \"How long does it take to settle a claim?\", answer: \"The time varies depending on the type and complexity of the claim and whether all the required information and documentation has been provided.\" },\r\n      { category: 'claims', question: \"How can I pay for my insurance?\", answer: \"Use the payment methods provided by Geminia for your specific insurance product. Make sure you keep your payment confirmation.\" },\r\n      { category: 'claims', question: \"Can I pay my insurance in instalments?\", answer: \"This depends on the insurance product and applicable payment arrangements. Contact Geminia to find out what payment options are available for your cover.\" },\r\n\r\n      \/\/ INSURANCE TERMS, EXPLAINED SIMPLY\r\n      { category: 'terms', question: \"What does Sum Insured mean?\", answer: \"The maximum amount specified for an insured item or risk under your policy.\" },\r\n      { category: 'terms', question: \"What does Premium mean?\", answer: \"The amount you pay for your insurance cover.\" },\r\n      { category: 'terms', question: \"What does Excess mean?\", answer: \"The amount you may be required to contribute towards an eligible claim according to your policy.\" },\r\n      { category: 'terms', question: \"What does Third Party mean?\", answer: \"A person or entity other than the insured and insurer who may suffer injury, death or property damage arising from an insured event.\" },\r\n      { category: 'terms', question: \"What is an Exclusion?\", answer: \"A risk, event, circumstance or type of loss that your policy does not cover.\" },\r\n      { category: 'terms', question: \"What is an Endorsement?\", answer: \"A change or addition made to an insurance policy that modifies its terms, coverage or conditions.\" },\r\n      { category: 'terms', question: \"What is a Renewal?\", answer: \"The process of continuing your insurance cover for another period after the current policy expires.\" }\r\n    ];\r\n\r\n    FAQ_DATA.forEach(function (item, i) { item.id = 'gem-faq-' + i; });\r\n\r\n    \/* ---------------- Icon markup (shared) ---------------- *\/\r\n    var ICON_PLUS = '<svg class=\"gem-faq__icon-plus\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.4\" stroke-linecap=\"round\" aria-hidden=\"true\"><line x1=\"12\" y1=\"5\" x2=\"12\" y2=\"19\"><\/line><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"><\/line><\/svg>';\r\n    var ICON_MINUS = '<svg class=\"gem-faq__icon-minus\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.4\" stroke-linecap=\"round\" aria-hidden=\"true\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"><\/line><\/svg>';\r\n\r\n    \/* ---------------- Elements ---------------- *\/\r\n    var navEl        = root.querySelector('[data-gem-nav]');\r\n    var resultsEl     = root.querySelector('[data-gem-results]');\r\n    var noResultsEl   = root.querySelector('[data-gem-no-results]');\r\n    var faqAnchor     = root.querySelector('[data-gem-faq-anchor]');\r\n    var searchForm    = root.querySelector('[data-gem-search-form]');\r\n    var searchInput   = root.querySelector('[data-gem-search-input]');\r\n    var catCards      = root.querySelectorAll('[data-gem-cat-card]');\r\n\r\n    \/* ---------------- State ---------------- *\/\r\n    var state = { category: 'all', query: '' };\r\n\r\n    \/* ---------------- Build category nav ---------------- *\/\r\n    CATEGORIES.forEach(function (cat) {\r\n      var btn = document.createElement('button');\r\n      btn.type = 'button';\r\n      btn.className = 'gem-faq__nav-btn';\r\n      btn.dataset.gemNavBtn = cat.id;\r\n\r\n      var count = cat.id === 'all' ? FAQ_DATA.length : FAQ_DATA.filter(function (f) { return f.category === cat.id; }).length;\r\n\r\n      var labelSpan = document.createElement('span');\r\n      labelSpan.textContent = cat.label;\r\n      btn.appendChild(labelSpan);\r\n\r\n      var countSpan = document.createElement('span');\r\n      countSpan.className = 'gem-faq__nav-count';\r\n      countSpan.textContent = String(count);\r\n      btn.appendChild(countSpan);\r\n\r\n      btn.addEventListener('click', function () {\r\n        setCategory(cat.id, { scroll: false });\r\n      });\r\n\r\n      navEl.appendChild(btn);\r\n    });\r\n\r\n    function updateNavActiveState() {\r\n      var buttons = navEl.querySelectorAll('[data-gem-nav-btn]');\r\n      buttons.forEach(function (btn) {\r\n        var isActive = btn.dataset.gemNavBtn === state.category;\r\n        btn.classList.toggle('is-active', isActive);\r\n        if (isActive) { btn.setAttribute('aria-current', 'true'); } else { btn.removeAttribute('aria-current'); }\r\n      });\r\n    }\r\n\r\n    \/* ---------------- Search matching ---------------- *\/\r\n    function matches(item, query) {\r\n      if (!query) return true;\r\n      var haystack = (item.question + ' ' + item.answer).toLowerCase();\r\n      return haystack.indexOf(query) !== -1;\r\n    }\r\n\r\n    \/* ---------------- Accordion item builder ---------------- *\/\r\n    function buildItem(item) {\r\n      var wrap = document.createElement('div');\r\n      wrap.className = 'gem-faq__item';\r\n\r\n      var qBtn = document.createElement('button');\r\n      qBtn.type = 'button';\r\n      qBtn.className = 'gem-faq__q';\r\n      qBtn.setAttribute('aria-expanded', 'false');\r\n      qBtn.setAttribute('aria-controls', item.id + '-panel');\r\n      qBtn.id = item.id + '-q';\r\n\r\n      var qText = document.createElement('span');\r\n      qText.className = 'gem-faq__q-text';\r\n      qText.textContent = item.question;\r\n      qBtn.appendChild(qText);\r\n\r\n      var qIcon = document.createElement('span');\r\n      qIcon.className = 'gem-faq__q-icon';\r\n      qIcon.innerHTML = ICON_PLUS + ICON_MINUS;\r\n      qBtn.appendChild(qIcon);\r\n\r\n      var aWrap = document.createElement('div');\r\n      aWrap.className = 'gem-faq__a-wrap';\r\n      aWrap.id = item.id + '-panel';\r\n      aWrap.setAttribute('role', 'region');\r\n      aWrap.setAttribute('aria-labelledby', item.id + '-q');\r\n\r\n      var aInner = document.createElement('div');\r\n      aInner.className = 'gem-faq__a-inner';\r\n      var aText = document.createElement('p');\r\n      aText.className = 'gem-faq__a';\r\n      aText.textContent = item.answer;\r\n      aInner.appendChild(aText);\r\n      aWrap.appendChild(aInner);\r\n\r\n      qBtn.addEventListener('click', function () {\r\n        var isOpen = qBtn.getAttribute('aria-expanded') === 'true';\r\n        \/\/ close any other open item currently rendered\r\n        resultsEl.querySelectorAll('.gem-faq__q[aria-expanded=\"true\"]').forEach(function (openBtn) {\r\n          if (openBtn !== qBtn) {\r\n            openBtn.setAttribute('aria-expanded', 'false');\r\n            var openPanel = root.querySelector('#' + openBtn.getAttribute('aria-controls'));\r\n            if (openPanel) openPanel.classList.remove('is-open');\r\n          }\r\n        });\r\n        qBtn.setAttribute('aria-expanded', isOpen ? 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We Have Answers. Find quick answers to common questions about policies, claims, coverage options and more. We&#8217;ve made insurance information simple, so you can make decisions with confidence. Search for answers Popular Categories Select a topic to find specific answers quickly. Motor Understand your motor insurance, cover options, claims and more. [&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-1833","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>FAQs - 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=\"FAQs - Geminia Insurance\" \/>\n<meta property=\"og:description\" content=\"Have Questions About Insurance? We Have Answers. Find quick answers to common questions about policies, claims, coverage options and more. We&#8217;ve made insurance information simple, so you can make decisions with confidence. 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