Changing Constants

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

Insurtech Infrastructure 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

At a Glance

Headquarters: Nairobi, Kenya

Category & Focus

Category: Insurtech Infrastructure
Subcategories: Digital certificate management Fraud detection Claims technology Insurance marketplace
Insurance Verticals: P&C Personal
Target Customers: Carriers, Brokers