Car insurance renewal in India is often viewed as a last-minute formality. Even with the legal requirement under the Motor Vehicles Act that mandates third-party insurance for every registered automobile, about half of the vehicles on Indian roads are uninsured or running with a lapsed coverage, as per a survey by the General Insurance Council. This persistent issue exposes motorists to various legal & financial risks, but it also creates opportunities for insurers, OEMs, and policymakers.