{"id":2229,"date":"2026-09-14T13:11:06","date_gmt":"2026-09-14T13:11:06","guid":{"rendered":"https:\/\/geminia.co.ke\/dev\/?p=2229"},"modified":"2026-09-14T13:13:55","modified_gmt":"2026-09-14T13:13:55","slug":"how-to-make-an-insurance-claim-in-kenya-a-step-by-step-guide","status":"publish","type":"post","link":"https:\/\/geminia.co.ke\/dev\/how-to-make-an-insurance-claim-in-kenya-a-step-by-step-guide\/","title":{"rendered":"How to Make an Insurance Claim in Kenya: A Step-by-Step Guide"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2229\" class=\"elementor elementor-2229\">\n\t\t\t\t<div class=\"elementor-element elementor-element-616d323 e-con-full e-flex e-con e-parent\" data-id=\"616d323\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49d0cea elementor-widget elementor-widget-html\" data-id=\"49d0cea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!DOCTYPE html><html lang=\"en\"><head>\r\n<meta charset=\"utf-8\">\r\n<meta content=\"width=device-width, initial-scale=1.0\" name=\"viewport\">\r\n<title>How to Make an Insurance Claim in Kenya | Geminia Insurance<\/title>\r\n<meta name=\"description\" content=\"Learn how to make an insurance claim in Kenya, what to do after an incident, documents you may need, and how Geminia's claims process works.\">\r\n<!-- Tailwind CSS v3 -->\r\n<script src=\"https:\/\/cdn.tailwindcss.com?plugins=forms,container-queries\"><\/script>\r\n<!-- Google Fonts: Poppins -->\r\n<link href=\"https:\/\/fonts.googleapis.com\" rel=\"preconnect\">\r\n<link crossorigin=\"\" href=\"https:\/\/fonts.gstatic.com\" rel=\"preconnect\">\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Poppins:ital,wght@0,300;0,400;0,500;0,600;0,700;0,800;1,400;1,600&amp;display=swap\" rel=\"stylesheet\">\r\n<!-- FontAwesome for iconography -->\r\n<link 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text-xs font-medium text-slate-500\">\r\n<li class=\"\">\r\n<a class=\"hover:text-geminia-navy transition-colors\" href=\"#\">Home<\/a>\r\n<\/li>\r\n<li><i class=\"fa-solid fa-chevron-right text-[9px] text-slate-400\"><\/i><\/li>\r\n<li class=\"\">\r\n<a class=\"hover:text-geminia-navy transition-colors\" href=\"#\">Knowledge Centre<\/a>\r\n<\/li>\r\n<li><i class=\"fa-solid fa-chevron-right text-[9px] text-slate-400\"><\/i><\/li>\r\n<li class=\"\">\r\n<a class=\"hover:text-geminia-navy transition-colors\" href=\"#\">Claims<\/a>\r\n<\/li>\r\n<li><i class=\"fa-solid fa-chevron-right text-[9px] text-slate-400\"><\/i><\/li>\r\n<li class=\"text-geminia-navy font-semibold truncate max-w-[200px] sm:max-w-none\">\r\n          How to Make a Claim\r\n        <\/li>\r\n<\/ol>\r\n<\/div>\r\n<\/nav>\r\n<!-- END: BreadcrumbNavigation -->\r\n<!-- BEGIN: MainContentContainer -->\r\n<main class=\"flex-grow py-8 md:py-12 bg-white\" data-purpose=\"article-container\">\r\n<article class=\"max-w-3xl 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<\/div>\r\n<\/div>\r\n<\/div>\r\n<!-- END: HeroVisual -->\r\n<!-- BEGIN: ArticleHeader -->\r\n<header class=\"mb-8\" data-purpose=\"article-metadata\">\r\n<div class=\"flex flex-wrap items-center gap-2.5 text-xs font-semibold uppercase tracking-wider text-geminia-navy mb-3\">\r\n<span class=\"inline-flex items-center px-3 py-1 rounded-full bg-geminia-blue-light text-geminia-navy font-bold\">\r\n            Claims\r\n          <\/span>\r\n<span class=\"text-slate-300\">\u2022<\/span>\r\n<span class=\"text-slate-500 flex items-center gap-1\">\r\n<i class=\"fa-regular fa-clock\"><\/i> 10 Min Read\r\n          <\/span>\r\n<span class=\"text-slate-300\">\u2022<\/span>\r\n<span class=\"text-slate-500\">Updated September 2026<\/span>\r\n<\/div>\r\n<!-- Main Title -->\r\n<h1 class=\"text-3xl sm:text-4xl lg:text-[42px] font-extrabold text-geminia-navy tracking-tight leading-[1.2] mb-6\">\r\n          How to Make an Insurance Claim in Kenya: A Step-by-Step Guide\r\n        <\/h1>\r\n<!-- Author \/ Share Header bar -->\r\n<div class=\"flex items-center justify-between py-4 border-y border-slate-100 mb-8\">\r\n<div class=\"flex items-center gap-3\">\r\n<div class=\"w-10 h-10 rounded-full bg-geminia-navy flex items-center justify-center text-white font-bold text-sm\">\r\n              GC\r\n            <\/div>\r\n<div>\r\n<p class=\"text-sm font-bold text-slate-800\">Geminia Claims Desk<\/p>\r\n<p class=\"text-xs text-slate-500\">Claims &amp; Assessment Division<\/p>\r\n<\/div>\r\n<\/div>\r\n<div class=\"flex items-center gap-2\">\r\n<button class=\"w-8 h-8 rounded-full bg-emerald-50 text-emerald-600 hover:bg-emerald-600 hover:text-white transition flex items-center justify-center text-sm\" title=\"Share on WhatsApp\">\r\n<i class=\"fa-brands fa-whatsapp\"><\/i>\r\n<\/button>\r\n<button class=\"w-8 h-8 rounded-full bg-blue-50 text-blue-700 hover:bg-blue-700 hover:text-white transition flex items-center justify-center text-sm\" title=\"Share on LinkedIn\">\r\n<i class=\"fa-brands fa-linkedin-in\"><\/i>\r\n<\/button>\r\n<button class=\"w-8 h-8 rounded-full bg-slate-100 text-slate-600 hover:bg-slate-700 hover:text-white transition flex items-center justify-center text-sm\" title=\"Share via Email\">\r\n<i class=\"fa-regular fa-envelope\"><\/i>\r\n<\/button>\r\n<\/div>\r\n<\/div>\r\n<\/header>\r\n<!-- END: ArticleHeader -->\r\n<!-- BEGIN: ArticleContent -->\r\n<section class=\"article-body space-y-5 text-slate-700 font-normal\" data-purpose=\"editorial-text-flow\">\r\n<!-- Opening Lead Paragraphs -->\r\n<p class=\"lead-paragraph\">\r\n            When an accident, theft, property damage or other insured event happens, knowing what to do next can make the claims process much easier.\r\n        <\/p>\r\n<p class=\"\">\r\n            Whether you have been involved in a motor accident, experienced theft, suffered an accidental injury or had damage to your insured property, your first steps can be important.\r\n        <\/p>\r\n<p class=\"\">\r\n            At Geminia Insurance, different types of insurance have different claims requirements. The documents required will depend on the policy and the nature of the loss. Geminia provides claim forms for various classes of insurance, including motor, personal accident, home\/property, goods in transit, livestock, crop and other covers.\r\n        <\/p>\r\n<p class=\"\">Here's a practical guide to help you understand the insurance claims process.<\/p>\r\n\r\n<!-- BEGIN: WhatIsAClaim -->\r\n<div class=\"pt-4\">\r\n<h2 class=\"text-2xl sm:text-3xl font-bold text-slate-950 tracking-tight mb-4\">\r\n            What Is an Insurance Claim?\r\n          <\/h2>\r\n<p class=\"\">\r\n            An insurance claim is a formal request made to your insurer for compensation or assistance following a loss, damage, injury or other event covered by your insurance policy.\r\n          <\/p>\r\n<p class=\"mb-3\">For example, you may need to make a claim if:<\/p>\r\n<ul class=\"space-y-2.5 mb-6 text-slate-700\" data-purpose=\"feature-bullet-list\">\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Your car is involved in an accident<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Your vehicle is stolen<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Your home suffers covered damage<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">You are injured in an accident<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Your insured property is damaged<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Insured goods are lost or damaged while in transit<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Your insured livestock dies from a covered cause<\/span><\/li>\r\n<\/ul>\r\n<p class=\"\">\r\n            Whether a claim is payable depends on the specific policy, the circumstances of the loss, the available evidence and the applicable terms and conditions.\r\n          <\/p>\r\n<\/div>\r\n<!-- END: WhatIsAClaim -->\r\n\r\n<!-- BEGIN: ImmediateSteps -->\r\n<div class=\"pt-2\">\r\n<h2 class=\"text-2xl sm:text-3xl font-bold text-slate-950 tracking-tight mb-4\">\r\n            What Should You Do Immediately After an Incident?\r\n          <\/h2>\r\n<p class=\"mb-3\">The first thing to do depends on the nature of the incident, but there are several important steps you should consider.<\/p>\r\n<ol class=\"space-y-4 mb-2 text-slate-700\" data-purpose=\"immediate-steps-list\">\r\n<li class=\"flex items-start gap-3\">\r\n<span class=\"flex-shrink-0 w-6 h-6 rounded-full bg-geminia-blue-light text-geminia-navy text-xs font-bold flex items-center justify-center mt-0.5\">1<\/span>\r\n<span class=\"\"><strong class=\"font-bold text-slate-900\">Put safety first.<\/strong> If the incident involves an accident or injury, make sure everyone is safe and seek emergency assistance where necessary. Do not put yourself or others at further risk simply to collect evidence.<\/span>\r\n<\/li>\r\n<li class=\"flex items-start gap-3\">\r\n<span class=\"flex-shrink-0 w-6 h-6 rounded-full bg-geminia-blue-light text-geminia-navy text-xs font-bold flex items-center justify-center mt-0.5\">2<\/span>\r\n<span class=\"\"><strong class=\"font-bold text-slate-900\">Report the incident where required.<\/strong> Some incidents may need to be reported to the police or another relevant authority. For example, theft or certain road accidents may require police documentation.<\/span>\r\n<\/li>\r\n<li class=\"flex items-start gap-3\">\r\n<span class=\"flex-shrink-0 w-6 h-6 rounded-full bg-geminia-blue-light text-geminia-navy text-xs font-bold flex items-center justify-center mt-0.5\">3<\/span>\r\n<span class=\"\"><strong class=\"font-bold text-slate-900\">Document what happened.<\/strong> Where it is safe to do so, take photographs or videos of relevant damage and record important details about the incident. Depending on the type of claim, this may help establish what happened and the extent of the loss.<\/span>\r\n<\/li>\r\n<li class=\"flex items-start gap-3\">\r\n<span class=\"flex-shrink-0 w-6 h-6 rounded-full bg-geminia-blue-light text-geminia-navy text-xs font-bold flex items-center justify-center mt-0.5\">4<\/span>\r\n<span class=\"\"><strong class=\"font-bold text-slate-900\">Notify Geminia.<\/strong> Contact Geminia or your insurance intermediary and notify them of the loss as soon as reasonably possible. Do not wait unnecessarily before reporting an incident.<\/span>\r\n<\/li>\r\n<li class=\"flex items-start gap-3\">\r\n<span class=\"flex-shrink-0 w-6 h-6 rounded-full bg-geminia-blue-light text-geminia-navy text-xs font-bold flex items-center justify-center mt-0.5\">5<\/span>\r\n<span class=\"\"><strong class=\"font-bold text-slate-900\">Keep relevant documents.<\/strong> Keep invoices, receipts, reports, photographs and other documents that may support your claim. The exact documentation required depends on the type of insurance and the circumstances of the claim.<\/span>\r\n<\/li>\r\n<\/ol>\r\n<\/div>\r\n<!-- END: ImmediateSteps -->\r\n\r\n<!-- BEGIN: ClaimsProcessSteps -->\r\n<div class=\"pt-6\">\r\n<h2 class=\"text-2xl sm:text-3xl font-bold text-slate-950 tracking-tight mb-5\">\r\n            Step-by-Step: How the Insurance Claims Process Works\r\n          <\/h2>\r\n\r\n<div class=\"pt-2 mb-8\">\r\n<h3 class=\"text-lg sm:text-xl font-bold text-slate-900 mb-2.5 flex items-center gap-2\">\r\n<span class=\"text-geminia-navy font-extrabold\">1 \u2014<\/span>\r\n<span class=\"\">Notify Your Insurer<\/span>\r\n<\/h3>\r\n<p class=\"\">Start by reporting the incident to Geminia. When making the notification, be prepared to provide basic information such as:<\/p>\r\n<ul class=\"space-y-2 mb-3 text-slate-700\" data-purpose=\"feature-bullet-list\">\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Your name<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Policy details<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Date of the incident<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Location<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">What happened<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">The nature of the loss or damage<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Your contact details<\/span><\/li>\r\n<\/ul>\r\n<p class=\"\">Geminia provides claim forms for different insurance products through its website's downloads section.<\/p>\r\n<\/div>\r\n\r\n<div class=\"pt-2 mb-8\">\r\n<h3 class=\"text-lg sm:text-xl font-bold text-slate-900 mb-2.5 flex items-center gap-2\">\r\n<span class=\"text-geminia-navy font-extrabold\">2 \u2014<\/span>\r\n<span class=\"\">Complete the Appropriate Claim Form<\/span>\r\n<\/h3>\r\n<p class=\"\">Different types of claims require different forms. For example, Geminia provides separate forms for:<\/p>\r\n<ul class=\"space-y-2 mb-3 text-slate-700\" data-purpose=\"feature-bullet-list\">\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Motor accidents<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Motor vehicle theft<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Personal accident<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Medical insurance<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Property damage<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Goods in transit<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Livestock<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Crop insurance<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">WIBA<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Public liability<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Professional indemnity<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Machinery breakdown<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Plate glass<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Marine hull and other classes of insurance<\/span><\/li>\r\n<\/ul>\r\n<p class=\"\">Make sure the information you provide is accurate and complete.<\/p>\r\n<\/div>\r\n\r\n<div class=\"pt-2 mb-8\">\r\n<h3 class=\"text-lg sm:text-xl font-bold text-slate-900 mb-2.5 flex items-center gap-2\">\r\n<span class=\"text-geminia-navy font-extrabold\">3 \u2014<\/span>\r\n<span class=\"\">Submit Supporting Documents<\/span>\r\n<\/h3>\r\n<p class=\"\">\r\n            Your insurer may require supporting documentation to assess the claim. The exact documents depend on what happened and the type of policy.\r\n          <\/p>\r\n<p class=\"\">\r\n            For example, Geminia's published requirements for certain property-related claims include a duly completed claim form, purchase receipts or invoices and a detailed statement of the incident, with additional documents depending on the circumstances.\r\n          <\/p>\r\n<p class=\"\">\r\n            For a contractors' all-risks claim, Geminia also lists a police abstract, purchase receipts\/invoices, a detailed incident statement and any other documentation that may be specified.\r\n          <\/p>\r\n<p class=\"\">This is why it is important not to assume that every insurance claim requires the same documents.<\/p>\r\n<\/div>\r\n\r\n<div class=\"pt-2 mb-8\">\r\n<h3 class=\"text-lg sm:text-xl font-bold text-slate-900 mb-2.5 flex items-center gap-2\">\r\n<span class=\"text-geminia-navy font-extrabold\">4 \u2014<\/span>\r\n<span class=\"\">Assessment and Verification<\/span>\r\n<\/h3>\r\n<p class=\"\">\r\n            Once your claim and supporting information have been submitted, the insurer may need to assess the circumstances and extent of the loss. Depending on the type and complexity of the claim, this may involve reviewing:\r\n          <\/p>\r\n<ul class=\"space-y-2 mb-3 text-slate-700\" data-purpose=\"feature-bullet-list\">\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Your policy<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Claim form<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Supporting documents<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Photographs<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Police reports<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Invoices or receipts<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Repair estimates<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Technical reports<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Other relevant evidence<\/span><\/li>\r\n<\/ul>\r\n<p class=\"\">\r\n            For some classes of insurance, an assessor or loss adjuster may be involved. For example, Geminia states that machinery breakdown claims may be reviewed by a loss adjuster to determine the extent of the loss, after which a claim may be settled on a cash basis or through appointment of a repairer.\r\n          <\/p>\r\n<\/div>\r\n\r\n<div class=\"pt-2 mb-8\">\r\n<h3 class=\"text-lg sm:text-xl font-bold text-slate-900 mb-2.5 flex items-center gap-2\">\r\n<span class=\"text-geminia-navy font-extrabold\">5 \u2014<\/span>\r\n<span class=\"\">Claim Review and Decision<\/span>\r\n<\/h3>\r\n<p class=\"\">The claim is then reviewed against the applicable policy terms and the evidence provided. The outcome can depend on factors including:<\/p>\r\n<ul class=\"space-y-2 mb-3 text-slate-700\" data-purpose=\"feature-bullet-list\">\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Whether the policy was active at the time of the incident<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Whether the event is covered<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Applicable exclusions<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Policy limits<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Excess or deductible<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">The extent of the loss<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Supporting documentation<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Other applicable policy conditions<\/span><\/li>\r\n<\/ul>\r\n<p class=\"\">This is why understanding your policy before you need to claim is so important.<\/p>\r\n<\/div>\r\n\r\n<div class=\"pt-2 mb-2\">\r\n<h3 class=\"text-lg sm:text-xl font-bold text-slate-900 mb-2.5 flex items-center gap-2\">\r\n<span class=\"text-geminia-navy font-extrabold\">6 \u2014<\/span>\r\n<span class=\"\">Settlement or Further Information<\/span>\r\n<\/h3>\r\n<p class=\"\">If additional information is required, you may be asked to provide it before the claim can be finalised.<\/p>\r\n<p class=\"\">If the claim is accepted, settlement will be handled according to the applicable policy terms and the agreed basis of settlement.<\/p>\r\n<p class=\"\">Depending on the type of claim, this could involve payment, repair, replacement or another form of settlement.<\/p>\r\n<\/div>\r\n<\/div>\r\n<!-- END: ClaimsProcessSteps -->\r\n\r\n<!-- BEGIN: PullQuoteBox -->\r\n<div class=\"my-10 pl-6 border-l-4 border-amber-500 bg-amber-50\/40 py-6 pr-6 rounded-r-2xl\" data-purpose=\"pull-quote\">\r\n<div class=\"text-amber-500 text-3xl font-serif mb-2 leading-none\">\r\n<i class=\"fa-solid fa-quote-left\"><\/i>\r\n<\/div>\r\n<blockquote class=\"text-xl sm:text-2xl font-bold text-slate-900 leading-snug tracking-tight font-sans\">\r\n            Understanding your policy before you need to claim is so important.\r\n          <\/blockquote>\r\n<\/div>\r\n<!-- END: PullQuoteBox -->\r\n\r\n<!-- BEGIN: MotorClaims -->\r\n<div class=\"pt-2\">\r\n<h2 class=\"text-2xl sm:text-3xl font-bold text-slate-950 tracking-tight mb-4\">\r\n            Motor Insurance Claims: What Should You Do?\r\n          <\/h2>\r\n<p class=\"\">\r\n            Motor insurance is one of the most common types of insurance where people need to understand the claims process.\r\n          <\/p>\r\n<p class=\"\">\r\n            Geminia's motor insurance provides cover options including third-party, third-party fire and theft, and comprehensive insurance. The policy can also include benefits such as towing, windscreen cover, third-party liability and medical expenses, depending on the cover selected.\r\n          <\/p>\r\n<p class=\"\">\r\n            Geminia provides separate forms for motor accident claims and motor vehicle theft claims.\r\n          <\/p>\r\n\r\n<h4 class=\"text-base font-bold text-slate-900 mb-2 mt-5\">After a motor accident:<\/h4>\r\n<ul class=\"space-y-2 mb-5 text-slate-700\" data-purpose=\"feature-bullet-list\">\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Prioritise everyone's safety.<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Contact the relevant authorities where necessary.<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Document the accident where it is safe to do so.<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Collect relevant information from the parties involved.<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Notify Geminia or your intermediary.<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Complete the motor accident claim form.<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Provide the required supporting documentation.<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Follow the assessment and repair\/settlement process.<\/span><\/li>\r\n<\/ul>\r\n\r\n<h4 class=\"text-base font-bold text-slate-900 mb-1.5\">If your vehicle is stolen:<\/h4>\r\n<p class=\"\">Report the theft to the police and obtain the relevant documentation.<\/p>\r\n<p class=\"\">Then notify your insurer and complete the appropriate motor vehicle theft claim form.<\/p>\r\n<p class=\"\">Geminia provides a dedicated Motor Vehicle Theft Claim Form for this purpose.<\/p>\r\n<\/div>\r\n<!-- END: MotorClaims -->\r\n\r\n<!-- BEGIN: PAClaims -->\r\n<div class=\"pt-2\">\r\n<h2 class=\"text-2xl sm:text-3xl font-bold text-slate-950 tracking-tight mb-4\">\r\n            Personal Accident Claims\r\n          <\/h2>\r\n<p class=\"\">\r\n            If you have Personal Accident Insurance and suffer a covered accidental injury, the claims process may involve providing documentation relating to the accident, treatment and resulting injury.\r\n          <\/p>\r\n<p class=\"\">\r\n            Geminia's Personal Accident cover includes benefits such as accidental medical expenses, permanent disability, temporary total disability and accidental death, depending on the selected cover.\r\n          <\/p>\r\n<p class=\"\">Geminia also provides a dedicated Personal Accident Claim Form.<\/p>\r\n<p class=\"\">\r\n            If you are making a personal accident claim, keep relevant medical and accident documentation and follow the requirements communicated by Geminia.\r\n          <\/p>\r\n<\/div>\r\n<!-- END: PAClaims -->\r\n\r\n<!-- BEGIN: DocumentsNeeded -->\r\n<div class=\"pt-2\">\r\n<h2 class=\"text-2xl sm:text-3xl font-bold text-slate-950 tracking-tight mb-4\">\r\n            What Documents Do You Need to Make an Insurance Claim?\r\n          <\/h2>\r\n<p class=\"\">There is no single list of documents that applies to every insurance claim.<\/p>\r\n<p class=\"mb-3\">The documents you need depend on the insurance product and what happened. Common supporting documents may include:<\/p>\r\n<ul class=\"space-y-2.5 mb-6 text-slate-700\" data-purpose=\"feature-bullet-list\">\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Completed claim form<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Policy information<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Identification documents<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Police abstract or report where applicable<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Medical documents where applicable<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Purchase receipts or invoices<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Repair estimates or invoices<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Photographs of damage<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Detailed statement of the incident<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Technical or professional reports where applicable<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\">Other documents requested by the insurer<\/span><\/li>\r\n<\/ul>\r\n<p class=\"\">\r\n            For example, Geminia's Asset All Risk claims guidance lists a completed claim form, purchase receipts\/invoices, detailed incident statement, salvage for total losses, police abstract in cases of theft, replacement invoices and a repairer's technical report in material damage cases.\r\n          <\/p>\r\n<p class=\"\">The safest approach is to confirm the specific requirements for your claim before submitting your documents.<\/p>\r\n<\/div>\r\n<!-- END: DocumentsNeeded -->\r\n\r\n<!-- BEGIN: CommonMistakes -->\r\n<div class=\"pt-2\">\r\n<h2 class=\"text-2xl sm:text-3xl font-bold text-slate-950 tracking-tight mb-4\">\r\n            Common Mistakes to Avoid When Making an Insurance Claim\r\n          <\/h2>\r\n<ol class=\"space-y-4 mb-2 text-slate-700\" data-purpose=\"mistakes-list\">\r\n<li class=\"flex items-start gap-3\">\r\n<span class=\"flex-shrink-0 w-6 h-6 rounded-full bg-geminia-blue-light text-geminia-navy text-xs font-bold flex items-center justify-center mt-0.5\">1<\/span>\r\n<span class=\"\"><strong class=\"font-bold text-slate-900\">Waiting too long to report the incident.<\/strong> Notify your insurer as soon as reasonably possible.<\/span>\r\n<\/li>\r\n<li class=\"flex items-start gap-3\">\r\n<span class=\"flex-shrink-0 w-6 h-6 rounded-full bg-geminia-blue-light text-geminia-navy text-xs font-bold flex items-center justify-center mt-0.5\">2<\/span>\r\n<span class=\"\"><strong class=\"font-bold text-slate-900\">Providing incomplete information.<\/strong> Make sure your claim form and supporting information are accurate and complete.<\/span>\r\n<\/li>\r\n<li class=\"flex items-start gap-3\">\r\n<span class=\"flex-shrink-0 w-6 h-6 rounded-full bg-geminia-blue-light text-geminia-navy text-xs font-bold flex items-center justify-center mt-0.5\">3<\/span>\r\n<span class=\"\"><strong class=\"font-bold text-slate-900\">Throwing away damaged items too quickly.<\/strong> Depending on the claim, damaged property may need to be inspected or assessed.<\/span>\r\n<\/li>\r\n<li class=\"flex items-start gap-3\">\r\n<span class=\"flex-shrink-0 w-6 h-6 rounded-full bg-geminia-blue-light text-geminia-navy text-xs font-bold flex items-center justify-center mt-0.5\">4<\/span>\r\n<span class=\"\"><strong class=\"font-bold text-slate-900\">Losing receipts and supporting documents.<\/strong> Keep relevant invoices, receipts and other evidence.<\/span>\r\n<\/li>\r\n<li class=\"flex items-start gap-3\">\r\n<span class=\"flex-shrink-0 w-6 h-6 rounded-full bg-geminia-blue-light text-geminia-navy text-xs font-bold flex items-center justify-center mt-0.5\">5<\/span>\r\n<span class=\"\"><strong class=\"font-bold text-slate-900\">Assuming every loss is covered.<\/strong> Insurance policies contain specific terms, conditions, limits and exclusions.<\/span>\r\n<\/li>\r\n<li class=\"flex items-start gap-3\">\r\n<span class=\"flex-shrink-0 w-6 h-6 rounded-full bg-geminia-blue-light text-geminia-navy text-xs font-bold flex items-center justify-center mt-0.5\">6<\/span>\r\n<span class=\"\"><strong class=\"font-bold text-slate-900\">Repairing or replacing property without guidance.<\/strong> For certain claims, the insurer may need to assess the damage before repairs or replacement proceed. Ask your insurer what steps to follow.<\/span>\r\n<\/li>\r\n<li class=\"flex items-start gap-3\">\r\n<span class=\"flex-shrink-0 w-6 h-6 rounded-full bg-geminia-blue-light text-geminia-navy text-xs font-bold flex items-center justify-center mt-0.5\">7<\/span>\r\n<span class=\"\"><strong class=\"font-bold text-slate-900\">Giving inaccurate information.<\/strong> Always provide truthful and complete information. Misrepresentation can affect the assessment of a claim.<\/span>\r\n<\/li>\r\n<\/ol>\r\n<\/div>\r\n<!-- END: CommonMistakes -->\r\n\r\n<!-- BEGIN: MakeItEasier -->\r\n<div class=\"pt-6\">\r\n<h2 class=\"text-2xl sm:text-3xl font-bold text-slate-950 tracking-tight mb-4\">\r\n            How Can You Make the Claims Process Easier?\r\n          <\/h2>\r\n<p class=\"mb-3\">You can make future claims easier by keeping your insurance information organised. Keep a copy of:<\/p>\r\n<ul class=\"space-y-3 mb-6 text-slate-700\" data-purpose=\"feature-bullet-list\">\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\"><strong class=\"font-bold text-slate-900\">Your policy documents:<\/strong> Know what you are insured for.<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\"><strong class=\"font-bold text-slate-900\">Your policy number:<\/strong> Keep it easily accessible.<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\"><strong class=\"font-bold text-slate-900\">Important receipts:<\/strong> Especially for valuable insured property.<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\"><strong class=\"font-bold text-slate-900\">Vehicle documents:<\/strong> Keep relevant vehicle records together.<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\"><strong class=\"font-bold text-slate-900\">Emergency contacts:<\/strong> Know how to reach your insurer or intermediary.<\/span><\/li>\r\n<li class=\"flex items-start gap-3\"><span class=\"text-geminia-navy font-black text-lg leading-tight\">\u2022<\/span><span class=\"\"><strong class=\"font-bold text-slate-900\">Digital evidence:<\/strong> Where appropriate, keep photographs and records of valuable property.<\/span><\/li>\r\n<\/ul>\r\n<p class=\"\">Most importantly, read your policy and understand the claims requirements before an incident happens.<\/p>\r\n<\/div>\r\n<!-- END: MakeItEasier -->\r\n\r\n<!-- BEGIN: GuaranteePayment -->\r\n<div class=\"pt-2\">\r\n<h2 class=\"text-2xl sm:text-3xl font-bold text-slate-950 tracking-tight mb-4\">\r\n            Does Making a Claim Guarantee Payment?\r\n          <\/h2>\r\n<p class=\"\">No.<\/p>\r\n<p class=\"\">Making a claim does not automatically mean that the claim will be paid.<\/p>\r\n<p class=\"\">The claim must be assessed against the applicable policy terms and conditions.<\/p>\r\n<p class=\"\">\r\n            Factors such as the type of cover, circumstances of the incident, exclusions, limits, policy status and supporting documentation can affect the outcome.\r\n          <\/p>\r\n<p class=\"\">\r\n            This is why choosing the appropriate insurance cover and understanding your policy are important before you need to make a claim.\r\n          <\/p>\r\n<\/div>\r\n<!-- END: GuaranteePayment -->\r\n\r\n<!-- BEGIN: HowGeminiaCanHelp -->\r\n<div class=\"pt-2\">\r\n<h2 class=\"text-2xl sm:text-3xl font-bold text-slate-950 tracking-tight mb-4\">\r\n            How Geminia Can Help\r\n          <\/h2>\r\n<p class=\"\">\r\n            At Geminia Insurance, different insurance products have dedicated claim forms and documentation requirements to help customers begin the claims process. The company's website provides a Downloads section where customers can access claim forms for multiple classes of insurance.\r\n          <\/p>\r\n<p class=\"mb-3\">Geminia's current contact information includes:<\/p>\r\n<div class=\"bg-slate-50 border border-slate-200 rounded-xl px-5 py-4 space-y-2.5 mb-4\" data-purpose=\"contact-card\">\r\n<p class=\"text-sm text-slate-700 mb-0 flex items-center gap-2.5\"><i class=\"fa-solid fa-phone text-geminia-blue\"><\/i> +254 709 551 000 \/ +254 20 278 2000<\/p>\r\n<p class=\"text-sm text-slate-700 mb-0 flex items-center gap-2.5\"><i class=\"fa-solid fa-envelope text-geminia-blue\"><\/i> info@geminia.co.ke<\/p>\r\n<p class=\"text-sm text-slate-700 mb-0 flex items-center gap-2.5\"><i class=\"fa-solid fa-location-dot text-geminia-blue\"><\/i> Le'Mac, 5th Floor, Church Road, Off Waiyaki Way, Westlands, Nairobi<\/p>\r\n<\/div>\r\n<p class=\"\">You can also contact Geminia to clarify the specific documentation and next steps applicable to your claim.<\/p>\r\n<\/div>\r\n<!-- END: HowGeminiaCanHelp -->\r\n\r\n<!-- BEGIN: ClosingSection -->\r\n<div class=\"pt-6\">\r\n<h2 class=\"text-2xl sm:text-3xl font-bold text-slate-950 tracking-tight mb-4\">\r\n            Need to Make a Claim?\r\n          <\/h2>\r\n<p class=\"\">Don't know where to start?<\/p>\r\n<p class=\"\">\r\n            Get the information you need to begin your insurance claim and understand the documents that may be required for your type of cover.\r\n          <\/p>\r\n<\/div>\r\n<!-- END: ClosingSection -->\r\n\r\n<!-- BEGIN: ArticleCalloutBanner -->\r\n<!-- REPLACE: swap the three \"#\" hrefs below for the real claim-start, download-forms and contact links -->\r\n<div class=\"my-10 bg-white rounded-2xl p-6 sm:p-8 shadow-xl border border-slate-200\" data-purpose=\"cta-banner\">\r\n<div class=\"flex flex-col sm:flex-row flex-wrap gap-3\">\r\n<a class=\"flex-1 min-w-[180px] inline-flex items-center justify-center gap-2 px-5 py-3 bg-geminia-navy hover:bg-geminia-navy-dark text-white font-bold rounded-xl transition duration-200 shadow-md text-center\" href=\"#\">\r\n<span class=\"\">Start a Claim<\/span>\r\n<i class=\"fa-solid fa-arrow-right text-xs\"><\/i>\r\n<\/a>\r\n<a class=\"flex-1 min-w-[180px] inline-flex items-center justify-center gap-2 px-5 py-3 bg-geminia-blue hover:bg-sky-400 text-slate-950 font-bold rounded-xl transition duration-200 shadow-md text-center\" href=\"#\">\r\n<span class=\"\">Download Claim Forms<\/span>\r\n<i class=\"fa-solid fa-arrow-right text-xs\"><\/i>\r\n<\/a>\r\n<a class=\"flex-1 min-w-[180px] inline-flex items-center justify-center gap-2 px-5 py-3 border-2 border-geminia-navy text-geminia-navy hover:bg-geminia-blue-light font-bold rounded-xl transition duration-200 text-center\" href=\"#\">\r\n<span class=\"\">Contact Geminia<\/span>\r\n<i class=\"fa-solid fa-arrow-right text-xs\"><\/i>\r\n<\/a>\r\n<\/div>\r\n<\/div>\r\n<!-- END: ArticleCalloutBanner -->\r\n\r\n<!-- BEGIN: FAQSection -->\r\n<div class=\"pt-2\">\r\n<h2 class=\"text-2xl sm:text-3xl font-bold text-slate-950 tracking-tight mb-5\">\r\n            Frequently Asked Questions\r\n          <\/h2>\r\n<div class=\"space-y-3\" data-purpose=\"faq-list\">\r\n<details class=\"group border border-slate-200 rounded-xl p-4 sm:p-5\">\r\n<summary class=\"flex items-center justify-between gap-4 cursor-pointer font-bold text-slate-900 text-base\">\r\n<span class=\"\">How do I make an insurance claim in Kenya?<\/span>\r\n<i class=\"fa-solid fa-chevron-down text-geminia-blue text-xs transition-transform duration-200 group-open:rotate-180 flex-shrink-0\"><\/i>\r\n<\/summary>\r\n<p class=\"text-sm text-slate-600 leading-relaxed mt-3\">Start by notifying your insurer about the incident, complete the appropriate claim form and submit the supporting documentation required for your particular policy and claim.<\/p>\r\n<\/details>\r\n<details class=\"group border border-slate-200 rounded-xl p-4 sm:p-5\">\r\n<summary class=\"flex items-center justify-between gap-4 cursor-pointer font-bold text-slate-900 text-base\">\r\n<span class=\"\">How long do I have to make an insurance claim?<\/span>\r\n<i class=\"fa-solid fa-chevron-down text-geminia-blue text-xs transition-transform duration-200 group-open:rotate-180 flex-shrink-0\"><\/i>\r\n<\/summary>\r\n<p class=\"text-sm text-slate-600 leading-relaxed mt-3\">The applicable notification requirements can vary by policy. Check your policy documents and notify your insurer as soon as possible after an incident.<\/p>\r\n<\/details>\r\n<details class=\"group border border-slate-200 rounded-xl p-4 sm:p-5\">\r\n<summary class=\"flex items-center justify-between gap-4 cursor-pointer font-bold text-slate-900 text-base\">\r\n<span class=\"\">What documents are needed for an insurance claim?<\/span>\r\n<i class=\"fa-solid fa-chevron-down text-geminia-blue text-xs transition-transform duration-200 group-open:rotate-180 flex-shrink-0\"><\/i>\r\n<\/summary>\r\n<p class=\"text-sm text-slate-600 leading-relaxed mt-3\">Requirements vary by insurance product and claim. They can include a claim form, incident statement, police documentation, receipts, invoices, medical documents, repair estimates and other evidence.<\/p>\r\n<\/details>\r\n<details class=\"group border border-slate-200 rounded-xl p-4 sm:p-5\">\r\n<summary class=\"flex items-center justify-between gap-4 cursor-pointer font-bold text-slate-900 text-base\">\r\n<span class=\"\">Can I make an insurance claim without a police abstract?<\/span>\r\n<i class=\"fa-solid fa-chevron-down text-geminia-blue text-xs transition-transform duration-200 group-open:rotate-180 flex-shrink-0\"><\/i>\r\n<\/summary>\r\n<p class=\"text-sm text-slate-600 leading-relaxed mt-3\">This depends on the type of claim and the circumstances. Police documentation may be required for incidents such as theft, while other claims may not require it.<\/p>\r\n<\/details>\r\n<details class=\"group border border-slate-200 rounded-xl p-4 sm:p-5\">\r\n<summary class=\"flex items-center justify-between gap-4 cursor-pointer font-bold text-slate-900 text-base\">\r\n<span class=\"\">Can I track my insurance claim?<\/span>\r\n<i class=\"fa-solid fa-chevron-down text-geminia-blue text-xs transition-transform duration-200 group-open:rotate-180 flex-shrink-0\"><\/i>\r\n<\/summary>\r\n<p class=\"text-sm text-slate-600 leading-relaxed mt-3\">The appropriate way to obtain an update depends on the claim and the communication channel being used. Contact Geminia or your intermediary with your claim details for assistance.<\/p>\r\n<\/details>\r\n<details class=\"group border border-slate-200 rounded-xl p-4 sm:p-5\">\r\n<summary class=\"flex items-center justify-between gap-4 cursor-pointer font-bold text-slate-900 text-base\">\r\n<span class=\"\">What happens after I submit an insurance claim?<\/span>\r\n<i class=\"fa-solid fa-chevron-down text-geminia-blue text-xs transition-transform duration-200 group-open:rotate-180 flex-shrink-0\"><\/i>\r\n<\/summary>\r\n<p class=\"text-sm text-slate-600 leading-relaxed mt-3\">The insurer reviews the claim and supporting information against the applicable policy terms. Further information, assessment or documentation may be required before a decision and settlement.<\/p>\r\n<\/details>\r\n<\/div>\r\n<\/div>\r\n<!-- END: FAQSection -->\r\n\r\n<!-- BEGIN: TagAndSocialSharing -->\r\n<div class=\"pt-6 border-t border-slate-200 flex flex-wrap items-center justify-between gap-4\">\r\n<div class=\"flex flex-wrap items-center gap-2\">\r\n<span class=\"text-xs font-semibold text-slate-400 uppercase tracking-wider\">Topics:<\/span>\r\n<span class=\"px-2.5 py-1 bg-slate-100 text-slate-700 text-xs font-medium rounded-md hover:bg-slate-200 cursor-pointer\">#InsuranceClaims<\/span>\r\n<span class=\"px-2.5 py-1 bg-slate-100 text-slate-700 text-xs font-medium rounded-md hover:bg-slate-200 cursor-pointer\">#ClaimsProcess<\/span>\r\n<span class=\"px-2.5 py-1 bg-slate-100 text-slate-700 text-xs font-medium rounded-md hover:bg-slate-200 cursor-pointer\">#MotorClaims<\/span>\r\n<span class=\"px-2.5 py-1 bg-slate-100 text-slate-700 text-xs font-medium rounded-md hover:bg-slate-200 cursor-pointer\">#ClaimDocuments<\/span>\r\n<\/div>\r\n<div class=\"flex items-center gap-2 text-xs text-slate-500 font-semibold\">\r\n<span class=\"\">Was this helpful?<\/span>\r\n<button class=\"px-3 py-1 border border-slate-200 rounded-full hover:bg-slate-50 text-slate-700 transition\">\r\n<i class=\"fa-regular fa-thumbs-up mr-1\"><\/i> Yes\r\n            <\/button>\r\n<button class=\"px-3 py-1 border border-slate-200 rounded-full hover:bg-slate-50 text-slate-700 transition\">\r\n<i class=\"fa-regular fa-thumbs-down mr-1\"><\/i> No\r\n            <\/button>\r\n<\/div>\r\n<\/div>\r\n<!-- END: TagAndSocialSharing -->\r\n<\/section>\r\n<!-- END: ArticleContent -->\r\n<\/article>\r\n<\/main>\r\n<!-- END: MainContentContainer -->\r\n<\/body><\/html>\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>How to Make an Insurance Claim in Kenya | Geminia Insurance Home Knowledge Centre Claims How to Make a Claim Claims \u2022 Knowledge Centre Claims \u2022 10 Min Read \u2022 Updated September 2026 How to Make an Insurance Claim in Kenya: A Step-by-Step Guide GC Geminia Claims Desk Claims &amp; Assessment Division When an accident, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2229","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - 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