BIMA PIMA          


The following terms and conditions apply to the Bima_Pima Full season cover (“the Service) and by utilising the Service you will be deemed to have read, understood and accepted these terms and conditions.

1              Description of the service

The Service is an insurance service that aims to provide a cushion that protects farmers against weather damage and other specified risks during the crop season. It provides compensation upto a maximum of the sum insured during the crop season via M-Pesa in the event of damage to crop or poor harvest caused by insured risks.

1.1           This insurance is only available during a particular crop season related to maize crop.

1.2           Purchase of card does not automatically register the farmer as a user of the Service. To utilize the Service you are required to purchase the card and – activate the service by sending the unique code found on the card once you are at the farm and are about to plant. A satellite of the National Atmospheric and Oceanic Administration, which produces the Africa Rainfall Climatology product, will measure rainfall. The satellite data is publicly available through: www. The measurements are made in a 10 by 10 km grid and will be the only factor to determine if there was a crop failure as a result of drought at germination or drought at vegetative or drought at flowering stage and excess rain only at pre-harvest stages

1.3            Please activate your Bima_Pima card by sending the unique code found on the scratch card once you are on your farm. The point from where you send the valid code will be assumed to be your farm location. The insurance cover will only be considered after you have received a USSD notification for successful registration.

1.4            If you have not received the notification 10 seconds after submitting the code, please redial the code and submit the code again. Else call 0719 249 615

2               Eligibility

2.1           The Service is available to agricultural farmers in Kenya who have purchased the card

2.2           The Service is available to both post and prepaid subscribers on Safaricom’s network.

2.3           The Service is not available when a Safaricom subscriber is out of the country or on Safaricom’s roaming service.

2.4           The Service does not require a subscriber to have airtime.

2.5          Not all regions are covered by this service, if you are outside the cover region the system will alert you will not be eligible

3              How to activate the Service

3.1           At the farm when you are ready to plant, scratch the Bima_Pima card to reveal the pin.

3.2           To activate the Service, dial a USSD code(*800*15*code#) as indicated on card and click on send. You will receive a USSD confirming successful activation.

4              How to opt out of the Service

4.1           This is a pull service and is only available once you activate by sending the valid unique codes to *800*15#

5              Charges

5.1           All USSD interactions are free both to and from *800*#

5.2           All SMS responses from 20510 to you will be free, All sms to 20510 will be charged at 2/=

6               Access to Location data

  1. By activating the Service by dialling the USSD and code from a Bima Pima card or other material you give consent to Safaricom to disclose your confidential location based information to ACRE Africa and its third part partners for determination of 10by 10 km grid and which is used to commute risk for insurance calculation and loss assessment.
  2. By activating the service, you give consent to ACRE Africa to use your number for future promotions of agriculture insurance products and trainings.

7              Other terms and conditions

ACRE Africa reserves the right to vary or amend any feature of the Service or to amend these terms and conditions at any time. Such changes shall be advertised on ACRE Africa terms and conditions page and may be published in the local press. Such changes may not affect any Service you have requested prior to the effective date of the changes.

7.1           The standard terms and conditions for the Safaricom Pre Pay and Post-pay services will apply to the Service unless expressly varied by these terms and conditions.