Acentria Group Multi-Country Expansion Guide

Executive Summary

This document provides a comprehensive guide for expanding the Acentria Group website to support multiple African countries (Kenya, Uganda, Tanzania, Zambia, and future markets). The implementation will follow best practices observed in leading pan-African financial services websites such as Old Mutual, Minet Group, and Equity Group Holdings.

Proposed URL Structure
Reference Site Analysis
Content Classification
Shared vs Country-Specific Pages
Country Selector & Auto-Detection
Implementation Approach Options
Content Management Strategy
Navigation Changes
Recommended Rollout Plan
Key Considerations

1. Proposed URL Structure

Recommended Approach: Path-Based Country Routing

acentriagroup.com/kenya/...     → Kenya site
acentriagroup.com/uganda/...    → Uganda site  
acentriagroup.com/tanzania/...  → Tanzania site
acentriagroup.com/zambia/...    → Zambia site
acentriagroup.com/...           → Group/Global site (or redirect to country)

URL Examples

Page Type	Kenya URL	Uganda URL
Homepage	`/kenya`	`/uganda`
Insurance Landing	`/kenya/insurance`	`/uganda/insurance`
Motor Insurance	`/kenya/insurance/motor`	`/uganda/insurance/motor`
About Us (Shared)	`/kenya/about`	`/uganda/about`
Contact	`/kenya/contact`	`/uganda/contact`
Careers	`/kenya/careers`	`/uganda/careers`

Alternative URL Approaches (Not Recommended)

Approach	Example	Pros	Cons
Subdomains	ke.acentriagroup.com	SEO independence	Higher maintenance, SSL per subdomain
ccTLD	acentriagroup.co.ke	Strong local presence	Expensive, requires separate domains
Path-based ✓	acentriagroup.com/kenya	Single domain, easy management	Preferred approach

2. Reference Site Analysis

Old Mutual - How They Do It

Old Mutual operates separate country-specific domains for each market:

Country	Domain	Products
South Africa	oldmutual.com	Investments, Assurance
Kenya	oldmutual.co.ke	General Insurance, Health, Life, Investments
Uganda	oldmutual.co.ug	Savings, Insure, Motor, Unit Trusts

Key Observations:

Each country has completely different products tailored to local markets
Kenya offers "Afyaimara Family Cover" (health), Uganda offers "Serenicare"
Kenya has "Lady Anchor" solution for women - not available in Uganda
Same branding but localized content and products
Contact numbers, offices, and support are country-specific
Footer links differ per country

Minet Group - How They Do It

Minet uses a Group site with country selector:

Feature	Implementation
Main URL	minet.com (Group site)
Country Selector	Dropdown with: Botswana, Kenya, Lesotho, Malawi, Mozambique, Namibia, Tanzania, Uganda, Zambia
Language Toggle	EN / PT (Portuguese for Mozambique)
Contact Page	Tabs for each country with local addresses

Key Observations:

Single domain with country switching
Products/Services page is universal (pan-African)
About section is shared (Group-level)
Contact information is country-specific (tabs per country)
Careers are shared but locations vary
News/Media is shared across regions

Equity Group Holdings - How They Do It

Equity uses a path-based structure similar to our recommendation:

equitygroupholdings.com/ke  → Kenya
equitygroupholdings.com/ug  → Uganda  
equitygroupholdings.com/tz  → Tanzania
equitygroupholdings.com/rw  → Rwanda
equitygroupholdings.com/ss  → South Sudan
equitygroupholdings.com/cd  → DR Congo

Key Observations:

Path-based country routing (recommended for Acentria)
Each country has tailored banking products
Group information is shared
Country detection likely based on IP

3. Content Classification

Based on analysis of the current Acentria website structure, content falls into three categories:

🌍 GLOBAL (Shared Across All Countries)

These pages contain group-level information that applies universally:

Category	Pages
About Acentria Group	Who We Are, Our Journey, Vision/Mission/Values, Corporate Culture, Our Brand, Leadership & Governance, Board
ESG & Sustainability	ESG, CSR, Sustainability Policies, Our Communities
Legal & Compliance	Privacy Policy, Cookie Policy, Terms & Conditions, Ethics & Compliance, Whistle Blowing
News & Insights	Acentria News and Blogs, Awards
Technology	Technology services (if same platform across countries)

🏠 COUNTRY-SPECIFIC (Different Per Country)

These pages need to be created/modified for each country:

Category	Why Country-Specific
Insurance Products	Different regulators, products, underwriters, pricing per country
Reinsurance Services	Market-specific solutions, local cedants, regulatory requirements
Actuarial Services	Country-specific consulting, local IFRS implementations
Investment Products	Different fund structures, regulatory requirements
Contact Information	Different offices, phone numbers, addresses, emails
Careers/Vacancies	Location-specific job openings
Claims	Different processes, local adjusters

🔀 HYBRID (Shared Template, Localized Content)

These pages share the same design but content varies:

Category	What's Shared	What's Localized
Homepage	Layout, branding	Hero images, featured products, news
Product Landing Pages	Page structure	Available products list, pricing
Contact Forms	Form design	Recipient emails, office options
Team Pages	Template	Staff photos, names, titles

4. Shared vs Country-Specific Pages

Current Site Structure Analysis

Based on the existing website, here is a detailed breakdown:

✅ SHARED PAGES (Keep Same Across Countries)

📁 About Section
├── about-acentria-group.vue
├── about-us/who-we-are.vue
├── about-us/our-journey.vue
├── about-us/our-vision-mission-values.vue
├── about-us/our-purpose.vue
├── about-us/how-we-work.vue
├── about-us/commitments.vue
├── about-us/our-risk-management.vue
├── corporate-culture.vue
├── corporate-governance.vue
├── our-brand.vue
└── meet-the-team.vue (Board/Leadership only)

📁 Legal & Compliance
├── privacy-policy.vue
├── cookie-policy.vue
├── tnc.vue
├── ethics-and-compliance.vue
└── whistle-blowing.vue

📁 ESG & Sustainability
├── esg.vue
├── csr.vue
├── about-us/our-communities.vue
└── about-us/sustainability-policies.vue

📁 News & Media
├── acentria-news-and-blogs.vue
├── blog/[slug].vue
├── awards.vue
└── our-insights.vue

📁 Technology (If Same Platform)
├── cyber-security.vue
├── cyber-risk-management.vue
└── diy.vue

🏠 COUNTRY-SPECIFIC PAGES (Create Per Country)

📁 Insurance (Different products per country)
├── acentria-group-insurance.vue ❌ Needs country version
├── insurance/motor-insurance.vue
├── insurance/health-insurance.vue
├── insurance/life-insurance.vue
├── insurance/travel-insurance.vue
├── insurance/home-insurance.vue
├── insurance/[all other covers].vue
├── insurance/health-plans/...
├── insurance/life-plans/...
├── insurance/motor-plans/...
└── insurance/travel-plans/...

📁 Reinsurance (Different solutions per market)
├── acentria-group-reinsurance.vue ❌ Needs country version
├── reinsurance/treaty-solutions.vue
├── reinsurance/facultative-solution.vue
├── reinsurance/catastrophic-modelling.vue
├── reinsurance/claims-management.vue
└── reinsurance/[all other services].vue

📁 Actuarial (Localized consulting)
├── acentria-group-actuarial.vue ❌ Needs country version
├── actuarial/insurance-consulting.vue
├── actuarial/reinsurance-consulting.vue
├── actuarial/ifrs-17-implementation.vue
└── actuarial/[all other services].vue

📁 Investment (Country-specific funds)
├── acentria-group-investment.vue ❌ Needs country version
└── [investment products per country]

📁 Contact & Support
├── contact-acentria-group.vue ❌ Needs country version
├── agent-assistance.vue
├── feedback.vue
├── about-us/complaint.vue
└── about-us/customer-feedback-dispute-resolution.vue

📁 Careers (Location-specific)
├── acentria-group-careers.vue ❌ Needs country version
├── join-our-team.vue
└── vacancies.vue

📁 Claims (Country-specific process)
├── claims/car-claims.vue
├── launch-claim.vue
├── report-claim.vue
├── claims-management.vue
└── Insurance-claims.vue

📁 Industry Solutions (May vary by market)
├── products/agriculture.vue
├── products/aviation.vue
├── products/construction.vue
├── products/education.vue
├── products/energy-and-mining.vue
├── products/financial-services.vue
├── products/health-care.vue
├── products/hotel-and-tourism.vue
└── products/manufacturing.vue

5. Country Selector & Auto-Detection

User Experience Flow

┌──────────────────────────────────────────────────────────────────┐
│                      User Visits acentriagroup.com               │
└──────────────────────────────────────────────────────────────────┘
                                   │
                                   ▼
┌──────────────────────────────────────────────────────────────────┐
│              Auto-Detect User's Country (by IP)                  │
│              Using services like: ipapi, MaxMind, etc.           │
└──────────────────────────────────────────────────────────────────┘
                                   │
                    ┌──────────────┴──────────────┐
                    ▼                              ▼
        ┌─────────────────────┐        ┌─────────────────────┐
        │  Known Country?     │        │  Unknown Country?   │
        │  (Kenya, Uganda,    │        │  Show country       │
        │   Tanzania, Zambia) │        │  selection page     │
        └─────────────────────┘        └─────────────────────┘
                    │                              │
                    ▼                              ▼
        ┌─────────────────────┐        ┌─────────────────────┐
        │  Show Welcome Modal │        │  Country Selection  │
        │  "We detected you're│        │  Landing Page with  │
        │   in Kenya. Visit   │        │  Map of Africa      │
        │   Kenya site?"      │        │  + Country Cards    │
        └─────────────────────┘        └─────────────────────┘
                    │                              │
         ┌────────┴────────┐                      │
         ▼                  ▼                      ▼
    ┌─────────┐      ┌──────────┐          ┌─────────────┐
    │ Yes     │      │ No/Other │          │ User Clicks │
    │ (Auto   │      │ Country  │          │ Country     │
    │ redirect│      │          │          │             │
    └─────────┘      └──────────┘          └─────────────┘
         │                  │                      │
         ▼                  ▼                      ▼
┌──────────────────────────────────────────────────────────────────┐
│           Redirect to: acentriagroup.com/{country}               │
│           Set cookie to remember preference                      │
└──────────────────────────────────────────────────────────────────┘

Country Selector Component Design

The country selector should appear in two places:

Header Navigation (persistent)
- Small dropdown with flag + country name
- Visible on all pages
- Example: 🇰🇪 Kenya ▼
Landing Page (for direct visitors)
- Full-page or modal selection
- Map of Africa with clickable regions
- Cards for each country

Example Country Selector (Header)

┌─────────────────────────────────────────────────────────────────┐
│  🏠 ACENTRIA  │ About │ Insurance │ ... │  🇰🇪 Kenya ▼  │ Login │
└─────────────────────────────────────────────────────────────────┘
                                              │
                                              ▼
                                    ┌─────────────────┐
                                    │ 🇰🇪 Kenya       │
                                    │ 🇺🇬 Uganda      │
                                    │ 🇹🇿 Tanzania    │
                                    │ 🇿🇲 Zambia      │
                                    │ ─────────────── │
                                    │ 🌍 Group Site   │
                                    └─────────────────┘

6. Implementation Approach Options

Option A: Dynamic Routing (Recommended for Nuxt)

How it works: Use Nuxt's file-based routing with dynamic country parameter.

New Folder Structure:

pages/
├── index.vue                    → Country selector landing
├── [country]/                   → Dynamic country segment
│   ├── index.vue               → Country homepage
│   ├── insurance/
│   │   ├── index.vue          → Insurance landing
│   │   ├── motor.vue          → Motor insurance
│   │   └── ...
│   ├── reinsurance/
│   ├── actuarial/
│   ├── contact.vue
│   └── careers.vue
├── about/                       → Shared about pages (no country prefix)
│   ├── who-we-are.vue
│   ├── our-journey.vue
│   └── ...
├── legal/                       → Shared legal pages
│   ├── privacy-policy.vue
│   └── ...
└── news/                        → Shared news pages
    └── ...

Advantages:

Single codebase
Easy to add new countries
Content can be loaded from configuration/database
SEO-friendly URLs

Option B: Separate Builds Per Country

How it works: Deploy separate Nuxt applications for each country.

kenya.acentriagroup.com    → Separate Nuxt app
uganda.acentriagroup.com   → Separate Nuxt app

Advantages:

Complete independence per country
Country teams can manage their own site

Disadvantages:

Higher maintenance overhead
Harder to keep branding consistent
More expensive to host

Option C: Hybrid Approach

How it works:

Single Nuxt app with country routing
Country-specific content stored in CMS (like Sanity, Strapi, Contentful)
Shared components pull from country config

Advantages:

Best of both worlds
Non-technical users can manage content
Easy to scale to new countries

7. Content Management Strategy

Recommended: Headless CMS Integration

For managing multi-country content efficiently, integrate a headless CMS:

CMS Option	Best For	Pricing
Sanity	Flexibility, real-time collaboration	Free tier + pay as you grow
Strapi	Self-hosted, open source	Free (self-hosted)
Contentful	Enterprise, large teams	Paid
Storyblok	Visual editing	Free tier available

Content Model Structure

Country:
  - code: "ke"
  - name: "Kenya"
  - flag: "🇰🇪"
  - phone: "+254 705 200 222"
  - email: "kenya@acentriagroup.com"
  - address: "West Park Towers, Nairobi"
  - products: [references to products]
  - team: [references to team members]

Product:
  - name: "Motor Insurance"
  - slug: "motor-insurance"
  - countries: ["ke", "ug", "tz"]  # Available in which countries
  - content_ke: "Kenya-specific description..."
  - content_ug: "Uganda-specific description..."
  - pricing_varies: true
  
TeamMember:
  - name: "John Doe"
  - title: "Country Manager"
  - country: "ke"
  - image: "..."

8. Navigation Changes

Current Navigation Structure

About | Insurance | Reinsurance | Actuarial | Technology | Investment

Proposed Navigation for Multi-Country

Top Bar (above main nav):

🇰🇪 Kenya | Contact: +254 705 200 222 | Login

Main Navigation (country-aware):

Home | About ▼ | Insurance ▼ | Reinsurance ▼ | Actuarial | Technology | Investment

When user is on /kenya/*:

"Insurance" links go to /kenya/insurance
"About" dropdown shows shared pages (no country prefix)
"Contact" goes to /kenya/contact

Navigation Configuration Per Country

const countryConfig = {
  ke: {
    name: "Kenya",
    flag: "🇰🇪",
    phone: "+254 705 200 222",
    services: ["insurance", "reinsurance", "actuarial", "investment"],
    insuranceProducts: ["motor", "health", "life", "travel", "home", ...],
    reinsuranceProducts: ["treaty", "facultative", ...],
  },
  ug: {
    name: "Uganda",
    flag: "🇺🇬", 
    phone: "+256 XXX XXX XXX",
    services: ["insurance", "reinsurance", "actuarial"],  // No investment yet
    insuranceProducts: ["motor", "health", "life"],  // Fewer products initially
    reinsuranceProducts: ["treaty"],
  },
  // ... more countries
}

9. Recommended Rollout Plan

Phase 1: Foundation (Weeks 1-4)

Setup country routing structure
- Implement [country] dynamic routing in Nuxt
- Create country configuration file
- Build country selector component
Migrate Kenya content
- Move current site content to /kenya/* structure
- Set up redirect from old URLs
Build shared pages
- About section (no country prefix)
- Legal pages
- News/Blog
Implement geo-detection
- Integrate IP geolocation service
- Build welcome modal/country detection

Phase 2: Uganda Launch (Weeks 5-8)

Content preparation
- Gather Uganda-specific products
- Collect contact information
- Get local team photos
Create Uganda pages
- Duplicate Kenya product pages
- Update content for Uganda market
- Add Uganda contact details
Testing
- Test country switching
- Verify all links work correctly
- Test geo-detection

Phase 3: Tanzania & Zambia (Weeks 9-12)

Repeat Phase 2 process for additional countries
Refine based on learnings

Phase 4: CMS Integration (Weeks 13-16)

Integrate headless CMS for content management
Train country teams on content updates
Build admin dashboard for multi-country management

10. Key Considerations

SEO Implications

Consideration	Recommendation
Hreflang tags	Implement for each country version
Sitemap	Generate per-country sitemaps
Meta tags	Country-specific titles and descriptions
Canonical URLs	Set properly to avoid duplicate content
Local keywords	Optimize for country-specific search terms

Legal & Regulatory

Country	Key Regulatory Body	Considerations
Kenya	IRA Kenya	Local insurance regulations
Uganda	IRA Uganda	Different compliance requirements
Tanzania	TIRA	Specific disclosure requirements
Zambia	PIA	Local licensing needed

Currency & Pricing

Display prices in local currency (KES, UGX, TZS, ZMW)
Consider regional pricing differences
Payment gateway integration per country

Language Considerations

Country	Primary Language	Secondary
Kenya	English	Swahili
Uganda	English	-
Tanzania	Swahili	English
Zambia	English	-

Consider future translation needs, especially for Tanzania.

Contact & Support

Each country needs:

Summary

Quick Reference: What's Shared vs. Localized

Content Type	Shared	Localized
Branding & Design	✅
About/History	✅
Mission/Vision/Values	✅
ESG/CSR	✅
Legal Pages	✅
News/Blog	✅
Insurance Products		✅
Reinsurance Services		✅
Actuarial Services		✅
Investment Products		✅
Contact Information		✅
Careers/Vacancies		✅
Claims Process		✅
Pricing/Quotes		✅

Next Steps

Client Decision: Choose implementation approach (Recommended: Option A with CMS)
Content Audit: List all products/services per country
Design: Create country selector mockups
Development: Begin Phase 1 implementation
Content Collection: Gather country-specific information

Appendix

A. Current Page Inventory

Total Pages in Current Site: 80+ pages

Pages Directory Structure:

Root pages: 35+
/about-us/: 22 pages
/insurance/: 25+ pages (including sub-plans)
/reinsurance/: 18 pages
/actuarial/: 6 pages
/products/: 9 pages (industry solutions)
/claims/: 1 page
/blog/: Dynamic (slug-based)

B. Component Inventory

Key components that may need country-awareness:

Navigation.vue - Add country selector
Footer.vue - Update contact per country
ContactForm.vue - Route to country-specific email
Hero.vue / Hero2.vue - May need localized content
Various form components - Country-specific recipients

C. Reference Sites URLs

Old Mutual Group: https://oldmutual.com
Old Mutual Kenya: https://oldmutual.co.ke
Old Mutual Uganda: https://oldmutual.co.ug
Minet Group: https://www.minet.com
Equity Holdings: https://equitygroupholdings.com

Document prepared for Acentria Group
Date: February 2026
Version: 1.0

Konyuka/Acentria Group Multi-Country Expansion Guide.md

Acentria Group Multi-Country Expansion Guide

Executive Summary

Table of Contents

1. Proposed URL Structure

Recommended Approach: Path-Based Country Routing

URL Examples

Alternative URL Approaches (Not Recommended)

2. Reference Site Analysis

Old Mutual - How They Do It

Minet Group - How They Do It

Equity Group Holdings - How They Do It

3. Content Classification

🌍 GLOBAL (Shared Across All Countries)

🏠 COUNTRY-SPECIFIC (Different Per Country)

🔀 HYBRID (Shared Template, Localized Content)

4. Shared vs Country-Specific Pages

Current Site Structure Analysis

✅ SHARED PAGES (Keep Same Across Countries)

🏠 COUNTRY-SPECIFIC PAGES (Create Per Country)

5. Country Selector & Auto-Detection

User Experience Flow

Country Selector Component Design

Example Country Selector (Header)

6. Implementation Approach Options

Option A: Dynamic Routing (Recommended for Nuxt)

Option B: Separate Builds Per Country

Option C: Hybrid Approach

7. Content Management Strategy

Recommended: Headless CMS Integration

Content Model Structure

8. Navigation Changes

Current Navigation Structure

Proposed Navigation for Multi-Country

Navigation Configuration Per Country

9. Recommended Rollout Plan

Phase 1: Foundation (Weeks 1-4)

Phase 2: Uganda Launch (Weeks 5-8)

Phase 3: Tanzania & Zambia (Weeks 9-12)

Phase 4: CMS Integration (Weeks 13-16)

10. Key Considerations

SEO Implications

Legal & Regulatory

Currency & Pricing

Language Considerations

Contact & Support

Summary

Quick Reference: What's Shared vs. Localized

Next Steps

Appendix

A. Current Page Inventory

B. Component Inventory

C. Reference Sites URLs