Motor Insurance API Pack
Pre-built verification bundle for motor insurance workflows — vehicle RC details, ownership, insurance history, and driver verification in minutes.
What You Can Achieve
"Verify vehicle details, ownership, and driver eligibility in under 30 seconds — enabling instant motor insurance quotes and policy issuance without manual form filling."
What You Get
Every API in this pack, what it does, and why it's included.
Vehicle & RC Verification API
See API docs →What it does: Fetch complete vehicle data from VAHAN — chassis, engine, make/model, fuel type, ownership, RC status, and previous insurance.
Why it's in this pack: Pre-fills the policy application with verified vehicle data and checks previous insurance history — required for accurate premium calculation and lapse detection.
Driving Licence Verification API
See API docs →What it does: Verify the policyholder's driving licence validity and suspensions.
Why it's in this pack: Affects risk underwriting — suspended or invalid licences change the risk profile significantly.
PAN Verification API
See API docs →What it does: Verify policyholder identity for premium above ₹50,000.
Why it's in this pack: IRDAI mandates PAN verification for high-premium policies and for tax deductions on claims.
E-Challan Verification API
See API docs →What it does: Fetch pending traffic challans and violation history for the vehicle.
Why it's in this pack: Challan history indicates driving behavior risk — affects premium calculation and underwriting decisions.
Name Match API
See API docs →What it does: Match the proposer's name across PAN, RC ownership, and the claims bank account.
Why it's in this pack: Confirms the policyholder, vehicle owner, and payout account align — reduces claim fraud and KYC mismatches.
Bank Account Verification (Penny Drop) API
See API docs →What it does: Penny-drop verify the policyholder's account for claim and refund payouts.
Why it's in this pack: Ensures claim settlements reach a live, name-matched account — fewer failed or misrouted payouts.
How it works
Customer enters vehicle registration number
Vehicle & RC Verification — make, model, engine, ownership & insurance pre-filled
DL Verification — driver risk profile assessed
Instant quote generated — policy issued in minutes
Frequently Asked Questions
Does Eko provide claims verification too?+
Currently the Motor Insurance Pack covers the underwriting/onboarding workflow. Claims verification APIs are on the roadmap. Contact sales for early access.
What data does the Vehicle & RC Verification API return?+
Make, model, fuel type, engine number, chassis number, registration date, owner name, registration state, insurance details, blacklist status, permit info, and financing status — 50+ fields in a single call.
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