Required Documents & Preparation
Prepare your documentation for fast and efficient claim processing
Quick Processing: Having all required documents ready ensures your claim can be processed within 24 hours for weather index products.
Document Checklist
Essential Documents (Required for All Claims)
Important: All documents must be clear, readable, and in acceptable formats (JPG, PNG, PDF). Maximum file size: 5MB per document.
| Document Type | Purpose | Acceptable Formats | Notes |
|---|---|---|---|
| Government-Issued ID | Identity verification | National ID, Passport, Driver's License | Must be valid and clearly visible |
| Policy Documentation | Proof of insurance coverage | SMS confirmation, Receipt, Certificate | Must show policy number and coverage period |
| Premium Payment Receipt | Proof of payment | Mobile money receipt, Bank statement | Must match policy records |
Additional Documents (Product-Specific)
Weather Index Insurance: Minimal additional documentation required due to automated processing.
| Product Type | Additional Requirements | Purpose |
|---|---|---|
| Picture-Based Insurance | Crop photos, GPS coordinates | AI analysis of crop damage |
| Hybrid Insurance | Field location details, planting records | Combined index and field verification |
| Livestock Insurance | Livestock count, grazing area details | Verify livestock numbers and location |
| Bundled Products | Input purchase receipts, credit agreements | Verify linked credit or input purchases |
Payment Information Requirements
Mobile Money Details
Most Popular: M-Pesa in Kenya is the most commonly used payout method with fastest processing times.
Required Information:
- Mobile money provider (M-Pesa, Airtel Money, etc.)
- Registered phone number
- Account holder name (as registered)
- Verification of account ownership
Supported Providers by Country:
- Kenya: M-Pesa, Airtel Money
- Rwanda: MTN Mobile Money, Airtel Money
- Tanzania: M-Pesa, Tigo Pesa, Airtel Money
Bank Transfer Details
Processing Time: Bank transfers typically take 1-2 business days compared to 1-2 hours for mobile money.
Required Information:
- Bank name and branch
- Account holder full name
- Account number
- Branch code or IBAN (if applicable)
Partner Banks (Examples):
- Kenya: Equity Bank, KCB, Co-operative Bank
- Rwanda: Bank of Kigali, Equity Bank Rwanda
- Tanzania: CRDB Bank, NMB Bank
Crypto Payout (sip.trading) - Optional
Important Disclaimer: Crypto payouts via sip.trading are optional and subject to ACRE Africa's policy, partner acceptance, and local regulations. Availability varies by country and product type.
Requirements:
- Valid sip.trading wallet address
- Address verification (double entry)
- Additional KYC/AML documentation may be required
- Compliance with local cryptocurrency regulations
Important Notes:
- Subject to regulatory approval in your country
- Processing times may vary
- Exchange rates applied at payout time
- Transaction fees may be deducted
- Backup payout method required
Document Preparation Guide
Photography Tips
Quality Matters: Clear, well-lit photos ensure faster processing and reduce the need for additional documentation.
For Identity Documents:
- Use good lighting (natural light preferred)
- Ensure all text is clearly readable
- Avoid shadows or glare
- Capture the entire document in frame
- Keep the document flat and straight
For Crop/Damage Photos:
- Take multiple angles of affected areas
- Include reference objects for scale
- Capture GPS coordinates if possible
- Take photos during daylight hours
- Show both damaged and healthy areas for comparison
File Format Guidelines
| File Type | Recommended Format | Maximum Size | Quality Tips |
|---|---|---|---|
| Photos | JPG, PNG | 5MB per file | High resolution, good lighting |
| Scanned Documents | PDF, JPG | 5MB per file | 300 DPI minimum, black & white for text |
| Screenshots | PNG, JPG | 5MB per file | Full screen capture, readable text |
Common Document Issues
Avoid These Problems: These issues can delay your claim processing significantly.
Rejected Documents:
- Blurry or unreadable text
- Partial documents (cut off edges)
- Expired identification documents
- Wrong file formats
- Files too large (over 5MB)
Missing Information:
- Policy numbers not visible
- Payment amounts unclear
- Dates not readable
- Names don't match across documents
- Contact information missing
Country-Specific Requirements
Kenya
Streamlined Process: Kenya has the most automated systems with M-Pesa integration for fastest payouts.
- ID Documents: National ID, Passport, or Huduma Namba
- Mobile Money: M-Pesa most common, Airtel Money also accepted
- Replanting Guarantee: Seed purchase receipt from participating stores
- GPS Coordinates: Required for satellite monitoring products
- Partner Documentation: Dealer receipts from authorized ACRE partners
Rwanda
Focus Areas: Strong emphasis on cooperative partnerships and financial education.
- ID Documents: National ID (Indangamuntu) or Passport
- Mobile Money: MTN Mobile Money, Airtel Money
- Cooperative Membership: Documentation if insured through cooperative
- District Information: Specify province and district clearly
- Crop Records: Planting and harvest records where available
Tanzania
Diverse Products: Multiple insurance product types available with varying requirements.
- ID Documents: National ID (Kitambulisho) or Passport
- Mobile Money: M-Pesa, Tigo Pesa, Airtel Money
- Regional Details: Specify region, district, and ward
- Agricultural Records: Farm registration or land ownership documents
- Weather Station Data: Reference to nearest weather monitoring station
Document Security & Privacy
Data Protection
Secure Processing: All documents are encrypted and processed according to international data protection standards.
- Encryption: All uploaded documents are encrypted during transmission and storage
- Access Control: Only authorized ACRE Africa staff can access your documents
- Retention Policy: Documents stored only as long as required for claim processing
- Privacy Compliance: Processing complies with local data protection regulations
Document Handling Best Practices
Protect Your Information: Follow these guidelines to keep your personal information secure.
- Only upload documents through official ACRE Africa channels
- Verify website URLs before submitting sensitive information
- Keep copies of all submitted documents for your records
- Report any suspicious requests for additional documentation
- Use secure internet connections when uploading documents
Getting Help with Documents
Document Support Services
Assistance Available: ACRE Africa partners provide document preparation support in local communities.
Local Support:
- Dealer and agent assistance
- Cooperative support services
- Mobile money agent help
- Community extension officers
Digital Support:
- SMS-based guidance
- USSD platform assistance
- Phone support hotlines
- WhatsApp support (where available)
Document Checklist Download
Preparation Tool: Use this checklist to ensure you have all required documents before starting your claim.