Have you covered the ‘what if’ as you gear up for holiday festivities?

This December, by all means, celebrate. Enjoy that mbuzi, the family time, the break you've earned. But add one more item to your meticulous planning should be the "what if" cover.

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Ask any Kenyan about their December plans and you'll hear meticulous details: which transport they're using, what time they’re leaving to beat traffic, which mbuzi has been earmarked for the feast, even which relatives they are visiting. We are exceptional planners during the festive season. But mention insurance, and the conversation shifts.

“We’ll be fine," we say. “Nothing will happen”. "We anticipate everything—except the possibility that something might go wrong. And that's precisely when it does.

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Note: The results are not exact but very close to the actual.