Smart Agent is the most complete motor insurance agent software India offers — instant RC verification, challan check, OD/TP tracking, WhatsApp reminders and commission reports. From ₹999/yr.
Motor insurance is data-heavy and time-sensitive
Motor insurance is one of the highest-volume lines of business for Indian insurance agents — but also the most time-sensitive. Every policy requires verifying the RC (Registration Certificate), checking for e-challans, capturing vehicle details like engine and chassis numbers, splitting OD and TP premiums, and tracking a one-year or three-year renewal cycle. Generic insurance CRMs miss at least half of these specifics. Without the right software, agents end up toggling between the VAHAN portal, Parivahan challan site, the insurer's website, WhatsApp and an Excel sheet — for every single policy.
Smart Agent solves this end-to-end. The app unifies RC verification, challan lookup, policy issuance, renewal tracking and commission reporting in one screen. It has been specifically built for Indian motor agents — from two-wheeler advisors in small towns to multi-branch commercial vehicle specialists in metros. Indian motor insurance agents use Smart Agent to cut policy issuance time from fifteen minutes down to under three.
From lead to renewal — one unified flow
Type the vehicle registration. Smart Agent fetches RC details in seconds.
Owner, engine, chassis, fuel type appear. Challans are listed if any.
Capture OD and TP premiums as separate line items with insurer selection.
WhatsApp and SMS reminders auto-scheduled 30, 15 and 3 days before expiry.
Commission calculated automatically by insurer and product type.
One-click renewal with pre-filled data — happy customer, repeat business.
RC and challan verification is the single most important feature a motor insurance agent needs inside their CRM. Smart Agent's integrated RC check works across all Indian states and covers 2-wheelers, 4-wheelers, commercial vehicles and transport vehicles. Simply enter a vehicle number like "MH01AB1234" and within five seconds you see the registered owner, vehicle make and model, engine number, chassis number, fuel type, registration date, RC status, insurance expiry, fitness expiry and PUC expiry. Challans are displayed alongside with fine amount and offence details. Everything is pay-as-you-go — no subscription means you only pay for the checks you actually run.
This single integration removes the need to log into the VAHAN portal or Parivahan challan website separately. It also improves your conversion — because you can give a full, verified quote to the customer on the spot instead of calling back. And it reduces policy-issuance errors since the engine and chassis numbers are auto-populated from the RC record.
Comprehensive motor policy data captured correctly
Most motor policies in India are "comprehensive" — meaning they bundle Own Damage (OD) coverage with Third Party (TP) liability. But in terms of compliance, these two parts are separate contracts with their own premiums, expiry rules and claim behaviour. Under IRDAI rules, the TP portion of a new vehicle is often long-term (5 years for 2-wheelers, 3 years for cars), while OD is typically 1-year. Smart Agent captures these as independent line items on the same policy record — so you can track their expiry separately, reconcile commissions on each, and alert the client at the right time for each renewal.
Watch OD and TP expiry on their own timelines — crucial for long-term TP policies.
Commission calculated separately on OD and TP premiums as per insurer grid.
Full support for bundled policies issued by HDFC Ergo, ICICI Lombard, Bajaj Allianz and others.
Smart Agent is one of the best-rated motor insurance agent software solutions in India — it integrates RC verification, challan check, OD/TP policy tracking, WhatsApp renewal reminders and commission reporting in one app, starting at ₹999/yr.
Yes. Smart Agent has a built-in RC check module — enter a vehicle number and instantly get owner name, engine number, chassis number, fuel type, registration date, and more. Pay-as-you-go, no subscription required.
Smart Agent lets motor insurance agents capture OD (Own Damage) and TP (Third Party) premiums as separate line items on the same policy. You can track their expiry dates, premiums and commissions independently, which is essential for multi-year comprehensive motor policies.
Yes. Smart Agent handles two-wheeler, private car, taxi, bus, truck and goods carrier policies with the right fields for each — including permit number, fitness expiry and vehicle load capacity for commercial vehicles.
Yes. Alongside RC verification, Smart Agent fetches pending e-challans for any vehicle number on a pay-as-you-go basis. This helps motor insurance agents flag risky vehicles and advise clients before policy issuance.