by
July 14, 2025
Tired of delays, paperwork, and fraud risks in insurance? Discover how RC Verification is helping insurers move from manual chaos to instant, secure, and data-driven processes. Faster claims, better compliance, and smarter decisions—all with just one API call.
It's easy to picture an insurersitting with mountains of RC books (Registration Certificate) to issue a policyor resolve a claim—the client waiting, the employees rushing to finish other tasks,and the likelihood of errors skyrocketing.
National transport database currently contains over 210 million vehicle registrations in India alone. An insurer cannot manually review every vehicle's documentation. As a result, 40%of the remaining insurance procedures are still done manually, which results in errors and a lengthy turnaround time.
However, intelligent technology can eliminate this tedious task: Any vehicle's registration can be instantly verified with RC Verification tools.
Let’s explore how RC Verification istransforming the insurance sector — making processes faster, more reliable, andsignificantly streamlining day-to-day operations.
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Insurance entails mountains of paperwork. The car's identity and ownership have to be verified by the insurers before a policy is issued or a claim paid. Traditionally, it meant collecting the RC book, calling an RTO, or simplychecking through the logs. Each step takes a lot of time. "40%of insurers still rely on manual entry for key processes," an industrysurvey notes; this manual process slows down turnaround times and increases therisk of errors. In actuality, this means that customers will experiencedelays—for instance, waiting days for policy issuance or claim approval—whileunderwriting teams manage file folders and forms and back-office teamsrepeatedly review them. To put it briefly, paperwork is the bottleneck.Additionally, the traditional system is brittle; if you lose an RC slip orforget to enter one number on a registration, the corresponding file is bouncedout of the system. Moreover, the fraudsters may exploit its lack of internal controls,which make it easier to perpetrate stolen vehicle or forged document scams whenverifications are slow. The paradox is that as the number of vehicles andpolicies increases, actual piles of paper are transferred.
One example of digital shortcuts is RC Verification. For instance, insurance companies use an API or software tool to query the Government of India's VAHAN database, which is the country's official vehicle registry, rather than spending time perusing an RC book. Typically, an automated system or staff member enters the vehicle's registration number and the API provides the authoritative data. This can therefore be regarded as a live lookup into the RTO systems. For example, in a single call, RC Verification APIs from technology providers fetch vehicle information from VAHAN verifying vehicle details, insurance, permit & blacklist status. These services provide the insurer with accurate and up-to-date data, one still trusting a photocopy of the document or relying on a customer to fill the forms correctly. Thus, RC Verification becomes the single source of truth. Notably, businesses have already connected their systems to VAHAN and cover every vehicle on Indian roads, making it possible to access any car's history with a single click. To put it briefly, RC Verification turns the RC Book into an online data source. Instead of rearranging papers, an API retrieves data.
The significant shift: before VAHAN went digital in 2011, or so, RC verification was entirely manual and "impossible" to do instantly. The same task can now be done with asingle click. Digitizing and linking vehicle checks through insurance systems to the VAHAN registry reduces errors and ensures compliance with RTO laws.
Read More: Intelligent Document Processing (IDP) in Insurance
Quicker Turnaround Time: Policy issuance and claims processing are automated; previously time-consuming tasks now take seconds.
Enhanced Precision & Adherence: VAHAN's real-time data reduces rejections and fines by ensuring regulatory alignment and removing manual errors.
Effective Fraud Detection: Protects insurers from risk by instantly identifying forged or stolen documents by cross-referencing RC data with official records.
Smarter Risk Assessment: Enables accurate risk assessment and improved pricing strategies by offering information on vehicle make, model, age, and location.
Active Management of Policies: Helps modify premiums based on real-time data and permits early renewal alerts.
Operational Efficiency: Significantly lowers processing costs, minimizes reliance on humans, and reduces manual labor.
The future holds some greater potential, much as the RC Verification is changing the way insurance companies operate. An industry is changing into a smooth, paperless one as a result of regulators striving for completely digitalized procedures, such as IRDAI's 2024mandate to integrate with DigiLocker. In the near future, insurers would be able to safely obtain verified RC and insurance information via government platforms without ever needing customer assistance. Think about AI-enabled systems that can flag expired documents for auto-renewals or instantly verify RC and coverage following an event-triggered telematics intervention. When blockchain technology and predictive analytics mature, RC data will have even more value. Using RC Verification APIs, like AmyGB, is not merely a technological advancement for insurers; rather, it is a calculated move toward faster services, cleaner data, and less fraud. By establishing a connection with VAHAN's authoritative source, insurance companies will be able to lead rather than follow. In the shortest shipments, RC verification will soon be as quick and easy as a single click, eliminating the indifference of paper delays.