Combine coconut milk & cream of coconut in blender & blend on high until smooth- about 1 minute
Add in water & pulse to combine
Transfer to freezer safe container, cover & place in freezer for about 2 hours
After a couple hours in the freezer it should be thick enough to mix in your remaining ingredients
Remove cover & slowly fold in your almonds, coconut & chocolate chips being careful to not let it all sink to the bottom
Cover & return to freezer to finish setting for at least 6 hours or overnight