# Changing Constants

> Digital insurance certificate and verification infrastructure for the Kenyan insurance market\.

## At a glance

| Field | Value |
| --- | --- |
| Category | Insurtech Infrastructure |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Nairobi, Kenya |
| Stage | Growth |

## Overview

Changing Constants is an insurtech infrastructure provider serving insurance carriers, brokers, and industry associations in Kenya and East Africa, with its core products centered on P&C motor insurance certification and verification. The company builds tools aimed at closing the digitization gap in a market still reliant on paper-based processes and legacy systems.

The product suite spans the policy lifecycle: digital, verifiable motor insurance certificates with built-in fraud detection; real-time insurance status verification paired with instant policy purchase; a claims reporting and first-notice-of-loss system; a know-your-customer onboarding tool; and a marketplace platform connecting stakeholders across the insurance ecosystem. Products are delivered as a cloud-based platform with API integrations into carrier, broker, and distribution systems.

The certificate platform has seen countrywide adoption in Kenya and is integrated with the Association of Kenya Insurers' certificate ecosystem. Microsoft has recognized Changing Constants as a digital transformation success story.

## Products & services

### DMVIC \(Digitally Managed and Verifiable Insurance Certificates\)

A platform that replaces paper motor insurance certificates with a digital, verifiable format, using fraud-detection algorithms to flag fraudulent certificates during underwriting before they enter circulation. Adopted by insurance associations and carriers across Kenya.

**Key features:**

- Digital, verifiable insurance certificates
- Preemptive fraud detection during underwriting
- Adopted by carriers and associations countrywide

*Target users:* Insurance carriers, brokers, industry associations

### InVIP \(Instant Insurance Verification and Purchase\)

A real-time system for verifying a customer's insurance status and completing a policy purchase, integrated with carrier and broker systems.

**Key features:**

- Real\-time insurance status verification
- Instant policy purchase
- Integrates with carriers and brokers

*Target users:* Carriers, brokers, consumers

### InCRM \(FNOL and Claims Reporting\)

A first-notice-of-loss and claims reporting system that streamlines claims intake and management for insurers.

**Key features:**

- First notice of loss \(FNOL\) reporting
- Claims management workflow

*Target users:* Insurance carriers

### i3 Digital Connect

A know-your-customer (KYC) digital onboarding tool that helps insurers verify and onboard customers.

**Key features:**

- Digital customer identification
- Streamlined onboarding

*Target users:* Insurance carriers

### Ahadi Platform

An insurance marketplace platform connecting carriers, brokers, and other stakeholders to broaden distribution and product access.

**Key features:**

- Marketplace connecting insurance ecosystem stakeholders
- Broader product distribution

*Target users:* Carriers, brokers

## Category & focus

- Subcategories: Digital certificate management, Fraud detection, Claims technology, Insurance marketplace
- Insurance verticals: P&C Personal
- Target customers: Carriers, Brokers

## Notable customers

- Insurance carriers and brokers operating in Kenya
- Association of Kenya Insurers \(AKI\)

## Links

- Website: <https://www.changingconstants.io/>
- Directory profile: <https://insurtechlist.com/companies/changing-constants/>
- About: <https://www.changingconstants.io/about.html>
- Dmvic: <https://www.changingconstants.io/dmvic.html>

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*Last updated: 2026\-08\-12*