Overview · Motor 360

From 25 insurers' monthly files to the uninsured vehicle gap

Why this matters to IIB. Every month 25 insurers send IIB their motor policy and claim files. Only IIB sees all of them together. So only IIB can estimate how many vehicles in each state have no insurance. That is the headline on this page. The other cards show the checks that make it safe to use.

SCIKIQ checks each file as it arrives, hides personal data by role, finds claim patterns no single insurer can see, and compares policies with the real VAHAN register. The insurer data here is synthetic, with known problems built in, so you can watch each one being found.

Start the 10-minute tour or open any page above

This month: September 2026

Uninsured vehicles, illustrative

about 11 crore

Estimated vehicles on the VAHAN register with no live policy. Real register, synthetic insured count, so this shows how the method works, not the real gap.

See the gap by state

Insurer files flagged

3 of 50

1,463 rows held back on arrival. Worst: Insurer K's policies file. In 1,074 rows, premiums are about 100 times the usual level, which looks like paise entered as rupees.

See the file checks

Claims alerts open

1 open

Telangana two-wheeler claims are 68% above the usual level over the last 6 weeks, led by theft claims.

Read the weekly briefing

Personal data hidden

30 columns

Names, mobile numbers, emails, dates of birth, PIN codes, registration, chassis and engine numbers. Found and hidden automatically.

See who sees what

By state

Two-letter codes are states and union territories, for example TS is Telangana and RJ is Rajasthan. Hover for the full name.

Click a state to see it by vehicle class, then by insurer.

Insurer names are commercially sensitive. This role sees code names such as Insurer K.

Drill-down

Click a state on the map.

This week's briefing

Read the briefing

Week ending 4 October 2026

Telangana two-wheeler claims up 68% against the usual level

In the 6 weeks to 4 October 2026 the demo sample had 2,469 motor claims. That is 2.2% above the usual level for this time of year. This change is small and may be noise. Policies issued, new and renewed, were 2.7% below the usual level in the 6 weeks to 27 September. The file checks held back 1,310 policy rows from these weeks, more than the shortfall, so this fall is likely missing data, not lost sales.

Telangana two-wheeler claims were 77 in the last 6 weeks, against a usual level of about 46 for this time of year. That is 68% above usual, which is very unusual. By claim type, theft claims were 19 against about 3, own damage claims were 52 against about 38 and third party claims were 6 against about 5. 13 insurers have more claims than usual. The biggest single rise is 5 claims, at Insurer J.

Open alerts

1 alert needs an owner

Telangana two-wheeler claims	+68%	No outcome yet

Mark each as Investigating, Explained, Action taken or Noise. These outcomes build the record that lets routine steps run on their own later.

The demo's insurer sample

These figures count the synthetic sample, not the market.

Policies in force

3,03,369

Demo sample. Each stands for about 743 insured vehicles in the market.

Premium, last 12 months

₹219 cr

Demo sample only. Do not multiply it up.

Claim frequency per 1,000 policies

64.8

19,557 claims in the sample, last 12 months