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Insurance excess is what you pay out of pocket before your insurer covers the rest. Exclusions are situations your policy will never pay for, no matte. Your excess - think foreseen incidents, misusing your vehicle, or filing within a waiting period. Most claim rejections in Kenya happen because policyholders never read the fine print. Know your cover. Know its limits. #insurance #excess #policyexclusions #financialliteracy #insurancetips
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