---
type: "industry"
title: "Insurance APIs"
description: "Instant motor insurance proposals with auto-filled vehicle details. RC, DL, PAN verification. IRDAI compliant. Used by 20+ insurers in India."
slug: "insurance"
category: "financial-services"
canonical: "https://eps.eko.in/industries/insurance"
---


> **Canonical URL:** https://eps.eko.in/industries/insurance
> This is a machine-readable Markdown version of the page for AI agents and LLMs. The primary (HTML) version lives at the canonical URL above.

# Insurance APIs for India's insurers & InsurTech

Verify policyholders, auto-fill motor proposals, and accelerate claims with instant verification APIs — IRDAI compliant.

To get started, fill the form at https://eps.eko.in/signup (with your name, mobile number and email) or call us at +919513181707

## Trust Signals

- Trusted by 50,000+ businesses
- RBI compliant
- Reliable, high-volume workflows

## The Challenge

Insurance underwriting and claims still involve manual document collection. Motor insurance proposals require 5–10 minutes of data entry. Eko's verification APIs auto-fill vehicle details, verify identity, and cross-check driving licences — reducing proposal time to seconds.

## Recommended Solution Packs

### Motor Insurance Pack _(featured)_
Instant motor proposals with auto-filled vehicle RC + DL details.

**Includes:** Vehicle & RC Verification, DL Verification, PAN

[View solution pack](https://eps.eko.in/solutions/motor-insurance-pack)

## Recommended APIs

| API | Description | Relevance | Link | Markdown Link |
| --- | --- | --- | --- | --- |
| Vehicle & RC Verification | Auto-fill vehicle details, RC status & insurance from registration number | High | [Details](https://eps.eko.in/products/vehicle-rc-verification-api) | [Markdown](https://eps.eko.in/products/vehicle-rc-verification-api.md) |
| DL Verification | Verify driving licence validity | High | [Details](https://eps.eko.in/products/dl-verification-api) | [Markdown](https://eps.eko.in/products/dl-verification-api.md) |
| PAN Verification | Policyholder identity verification | High | [Details](https://eps.eko.in/products/pan-verification-api) | [Markdown](https://eps.eko.in/products/pan-verification-api.md) |
| Bank Verification | Claims payout account validation | Medium | [Details](https://eps.eko.in/products/bank-verification-api) | [Markdown](https://eps.eko.in/products/bank-verification-api.md) |
| E-Challan Verification | Fetch traffic violation history for motor insurance risk underwriting | Medium | [Details](https://eps.eko.in/products/e-challan-verification-api) | [Markdown](https://eps.eko.in/products/e-challan-verification-api.md) |
| Name Match | Cross-check policyholder name across PAN, Aadhaar, and bank for fraud prevention | Medium | [Details](https://eps.eko.in/products/name-match-api) | [Markdown](https://eps.eko.in/products/name-match-api.md) |

## Use Case Scenarios

### Instant motor insurance proposal
**Situation:** An insurer wants to reduce proposal form time from 10 minutes to 30 seconds.

**Integration:** Vehicle & RC Verification auto-fills vehicle make, model, year, fuel type, and insurance history. DL Verification confirms the driver.

**Outcome:** 90% reduction in proposal time, 3x increase in conversion.

### Claims payout verification
**Situation:** Claims team needs to verify bank account before disbursing claim settlement.

**Integration:** Bank Verification (penny drop) confirms account is active and name matches the policyholder.

**Outcome:** Zero fraudulent claims payouts, instant settlement.

## Why Eko

### Auto-fill proposals
Vehicle & RC Verification API returns make, model, year, fuel, chassis, engine, insurance — one lookup fills the entire form.

### IRDAI compliant
All verification flows designed for insurance regulatory requirements.

### Fraud prevention
Cross-check RC, DL, and PAN to catch identity mismatches before underwriting.

### Sub-second response
99th percentile latency under 2 seconds for all verification APIs.

## Integration Steps

1. **Sign Up** — Sign up in minutes at Developer Console page with your mobile number (OTP verify).
2. **Verify Identity** — Complete your basic KYC with PAN and address details to verify your identity.
3. **Test APIs Live** — Load funds into your wallet and test the APIs live before integrating.
4. **Integrate** — Send your developers to eps.eko.in/ai for free AI plugins & tools to integrate faster.
5. **Go Live** — Get production credentials and start processing real transactions.

## Compliance

### IRDAI KYC norms
PAN and Aadhaar verification for policyholder identity.

### Motor vehicle regulations
Vehicle RC and DL verification ensure valid registration and licensed drivers.

## FAQs

### Can Vehicle & RC Verification auto-fill the entire motor proposal?
Yes. A single Vehicle RC lookup returns vehicle make, model, year, fuel type, registration date, chassis number, engine number, owner name, and insurance details.

### Does DL Verification check for violations?
DL Verification returns licence validity, issue date, expiry, and vehicle classes. Violation history requires a separate RTO integration.

### How fast is the verification?
All verification APIs respond in under 2 seconds. Vehicle RC verification typically completes in 500ms.

## Related Industries

- [Automotive](https://eps.eko.in/industries/automotive) ([markdown](https://eps.eko.in/industries/automotive.md))
- [Lending & NBFC](https://eps.eko.in/industries/lending-nbfc) ([markdown](https://eps.eko.in/industries/lending-nbfc.md))
- [Logistics & Fleet](https://eps.eko.in/industries/logistics-fleet) ([markdown](https://eps.eko.in/industries/logistics-fleet.md))

- [Site index](https://eps.eko.in/index.md): Full list of API products, industries, and solution packs