Old Mutual General Insurance Kenya

Livestock Insurance

Livestock cover

A year costs

KES 3,000

renewed every year

It pays out if an insured animal dies. A vet values the animal, and you pay 4% to 9% of that value each year.

Hear when this changes

Famine, malnutrition and feed poisoning.
Impotence and infertility.
Diseases and deformities the animal already had.
Death from neglect or poor husbandry.
Disposing of a carcass before a post-mortem means no payout.
Report a loss immediately. A stolen animal waits six weeks for recovery before settlement.
Old Mutual is supervised by the IRA, though this page does not say so.

What it costs: 4% to 9% of what the animal is worth, each year
The least you can pay: KES 3,000 to 5,000, depending on the animals
What you pay on a claim: The first 10% of any loss. For theft, the first 20%
How the animal is valued: A vet's report sets the sum insured
If an animal is stolen: Six weeks for recovery before anything is paid

There are no separate charges. What you pay each month is the price of the cover.

The cover stops at the end of the year you paid for. Nothing comes back.

There is nothing to take out. This is cover, not savings.

It could work for you if

Your animals are your capital, and you want the price and the catches stated before you call anyone.

Think twice if

You cannot carry the first 10% of a loss yourself, or 20% if the animal is stolen.

What is the smallest amount you can start with?
KES 3,000.
Are all their charges published?
They list no separate charges. What you pay is the price.

There are 2 other plans of this kind on the board. See all 3 side by side — what each one leaves you with, and which of them will not say.