car insurance india qr code

The Insurance Regulatory and Development Authority of India (IRDAI) has issued a circular in November 2015 that states that:

All motor policies issued on or after 1st of December, 2015 shall essentially contain a Quick Response Code. This QR Code would be used to verify the authenticity of the electronic policy

car insurance india qr code

(This snapshot has been taken from a real insurance policy generated after December 01, 2015)

A QR Code is a 2D barcode that usually contains information such as URLs or alphanumeric text. Such a code can be scanned by a smartphone device with the help of a QR Code scanning app.

This move by IRDAI is in response to a recent study by Insurance Information Bureau of India (IIB) which claims that 45-55% of vehicles in India are uninsured.

In fact, close to 50% of private cars are uninsured after the first year. These vehicles are able to get by due to the black economy. Insurance policies are fabricated and traffic authorities have no way to verify policy details – S.V. Ramanan, Chief Executive Officer, CAMS Repository Services Ltd, an insurance repository.

The QR Code will help traffic policemen verify the authenticity of the insurance policies. The traffic policeman on duty can scan the QR Code using a state-provided smartphone device and refer to the official policy details with the details on the document.

car insurance india qr code

(This is a screenshot of the mobile page that loads when the QR Code is scanned)

Telangana is the first State to adopt this move and recognize the digital motor insurance policy.

QR readers are easily downloadable on phones, and all the traffic personnel are being provided with QR readers through their phones in Telangana -S.V. Ramanan, Chief Executive Officer, CAMS Repository Services Ltd, an insurance repository.

IRDAI is of the opinion that their e-Vahan policy will be implemented by all states by 2017.

Do you think this is a progressive move by IRDAI to curb insurance non-compliance or this is another policy that will be implemented poorly? Share your thoughts in the comments below.


Gautam Garg is a Co-founder and the CEO of Scanova. He is a QR Code enthusiast and a big fan of inbound marketing, CRO, and usability. When taking a break, he likes to go trekking and eat spicy food.


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