INAT

INAT is an API-based insurtech platform in Kenya that provides a digital insurance application and management tools for insurance agents, brokers, bancassurance teams, policyholders, and accident investigators.

Key capabilities include:

• Digital policy purchase from multiple insurance companies, with support for price comparison and always-on access to insurance products.
• Policy extension and renewal, including email notifications and automated bulk SMS renewal notices.
• Agency and brokerage management with client and vehicle details, plus reporting for commission statements, production statements, premium payment statements, policy lapses, and other insurance-related reports with data analytics.
• Payments and communications, including mobile money premium payments (Till number 5741361) and client outreach through bulk SMS and email.

Available on Web (inat.co.ke/user), Android (Google Play apps for agents and for buying and managing insurance), and via API-driven infrastructure.

The platform targets a B2B2C mix of intermediaries (agencies, brokers, bancassurance officers) and end users (insured persons and motor vehicle owners), plus accident investigators who need fast search and verification of insured persons and policy products.

It is notable in the Kenyan market for combining consumer self-service with intermediary back-office tools in one system, and for emphasizing data privacy and security through encryption and access control so each user can only access their own data. The product also supports cloud backup and restore to help users recover insurance data when changing or losing a device.