Products launched
Kenya's first pay-per-kilometre motor cover
Underwritten by Britam and by Takaful Insurance of Africa (TIA Switch).
Core insurance system · Nairobi
Built to run an insurer's whole book.
AiCare is a core system for general, medical and life business. Quotation, underwriting, policy servicing, claims, reinsurance, finance and reporting write to one ledger, and the Kenyan plumbing is already in it: DMVIC certificates, M-Pesa receipting, treaty reinsurance, maker-checker on every financial transaction.
Where it stands. The system runs on live workflows in a demonstration environment and is in evaluation with insurers. It is adopted in stages: selected modules beside your existing core first, or the full core, cohort by cohort. How adoption works
Backed by Antler and Mobility54, the venture arm of Toyota Tsusho.
Policy no.
MTR/CM/2026/04182
Class
MOTOR COMMERCIAL · PSV
Insured
Mwangaza Sacco Ltd
Period
01 Sep 26 to 31 Aug 27
Vehicle
KDA 412X · 14 seats
Certificate
DMVIC C 2,381,004
RI cession
QS 40% · Treaty 26/MTR
Premium
KES 84,600
Checker: authorised 01 Sep 26, 10:42Audit ref 00981
| Claim | Head | Reserve | Change |
|---|---|---|---|
| CLM/0917 | Own damage | 312,000 | +62,000 |
| CLM/0917 | Third party | 150,000 | 0 |
| CLM/0917 | XOL recovery | 0 | below layer |
Illustrative records, not client data
Accelerator
BimaLab, 2021
Insurtech accelerator, run by the Insurance Regulatory Authority at the time and now by FSD Africa.
Investors
Antler and Mobility54
Mobility54 is the venture capital arm of Toyota Tsusho.
Engineering
1,900+ automated tests
Run on every build of the platform and its claims and reinsurance services.
One ledger
A month-end that reconciles itself.
Underwriting, claims, reinsurance and finance write to the same records, so premium, reserves, cessions and receipts agree without a spreadsheet in between. Management reports come from live data, not extracts.
Control
Nothing moves money without a second pair of eyes.
Maker-checker on receipts, payments, reserves and recoveries, with roles and permissions per screen and action and an audit trail that cannot be edited afterwards.
Local plumbing
The Kenyan integrations are already built.
Motor certificates through DMVIC, M-Pesa receipting, SMS and email notices, treaty reinsurance at policy and at claim, and report formats the regulator recognises.
01
Quote
General and medical quotations, enquiry, conversion to policy.
02
Underwrite
Risk capture from a configured field catalogue, referrals, authorisation.
03
Issue
Policy documents, schedules and DMVIC motor certificates.
04
Service
Endorsements, renewals, reinstatements, refunds, lapse and contra.
05
Claim
Notification, reserves, assessment, payments, salvage, recoveries.
06
Reinsure
Quota share and excess of loss applied at policy and at claim.
07
Account
Receipts, allocations, commissions, requisitions, general ledger.
08
Report
Underwriting, accounts, GL listings, audit trail, custom reports.
General
Motor and non-motor classes
- Motor private, commercial and PSV with DMVIC certificates issued and printed by branch.
- Non-motor classes defined in configuration: fire, burglary, all risks, WIBA, contractors and more.
- Claims with reserve movements, maker-checker payments, salvage and reinsurance recovery.
Medical
Schemes, members and providers
- Schemes and categories with limits, sub-limits, family sizes, loadings and exclusions.
- Members, dependants and cards with bulk upload.
- Providers, pre-authorisation and claims against the benefit, plus self-funded schemes.
Life
Individual and group business
- Individual life with beneficiaries, instalments, accruals and maturity schedules.
- Group, credit and mortgage life processed in bulk from lender and employer schedules.
- Receipts and commissions matched to instalments, with sub-agent rates.
Route A
Modules beside your core
Claims, reserves and reinsurance run on AiCare and exchange data with the existing core through APIs. One system of record per aggregate, documented, so nothing is written twice.
Route B
A new class or channel first
A new product, a bancassurance channel or a PSV book goes live on AiCare while the legacy book stays where it is. The team learns the system on business that has no migration risk.
Route C
Full core, cohort by cohort
Policies, clients and open claims migrate in cohorts with checker sign-off and a reconciliation you can audit. Cutover is recorded per cohort. The old core is retired when the last one reconciles.
Two usage-based motor covers launched with Kenyan insurers
Motomatic, underwritten by Britam, and TIA Switch, underwritten by Takaful Insurance of Africa: app, telematics, rewards and claims in market. Read the case study
Britam · Takaful
A driving-score model built on Kenyan roads
Built on more than two million kilometres of Kenyan driving data, down to safe speeds by hour for every 100 m of most major Nairobi roads.
2 million km
BimaLab
Selected for the insurtech accelerator, run by the Insurance Regulatory Authority at the time and now by FSD Africa.
2021 cohort
Backed by Antler and Mobility54
Founded in Nairobi in 2020 through Antler. Mobility54 is the venture capital arm of Toyota Tsusho.
Since 2020
Access and control
Roles and permissions per screen and action. Maker-checker on every financial transaction. Immutable audit logs. Sign-in through your Active Directory if you use one.
Hosting and residency
PostgreSQL, in a cloud region you choose or on your own servers. Backups, retention and restore tests are agreed in the scope and written into the contract.
Data protection
A data processing agreement, a named data protection contact, and your DPO's sign-off before any record is migrated.
Migration controls
Cohort migration with checker sign-off, reconciliation reports and a cutover register that names the system of record for every aggregate.
Support
A Nairobi team with a named contact and a written escalation path. Support means someone who understands PSV risk and a treaty statement.
Integration
Documented APIs, a quotation web service, DMVIC through AKI, M-Pesa, SMS and email, bank payment files and sanctions screening.
Also from AiCare
Launching a new product
We launched Kenya's first pay-per-kilometre cover and learned that a data feed is not a product. We now launch usage-based and other bespoke products end to end, on our core or through APIs into yours.
For insurers with a product to bring to market.
Product launchesMembership administration
Enrolment, contributions, packages, pre-authorisation and utilisation for organisations that fund care at their own facilities and are not insurers.
For hospital groups, provider networks, employers and SACCOs.
MembershipStart with a thirty-minute systems review.
Tell us what runs your book today and what it cannot do. We come back with a written view of what would migrate, what would be configured and how we would stage it. If it makes sense, the next step is a demonstration on scenarios shaped like your own portfolio. Sanitised cases are fine; no customer data changes hands.