If most of your book is private car owners, the daily workflow is RC lookups, NCB conversations, IDV negotiations, OD-TP splits, add-on selection and the 30/15/7/1 day renewal chase. Agenex is a car insurance CRM for agents built around exactly that flow — Vahan-integrated RC fetch, NCB carry-forward tracker, OD/TP split storage, IDV calculator, e-challan check and multi-insurer quote comparison on one screen. Designed for the private-car-focused motor agent renewing 800-1500 vehicles a year.
Cars are different from two-wheelers and different from commercial vehicles. The right CRM treats them with their own workflow.
Enter the registration number, get owner name, engine, chassis, manufacturing year, fuel type, fitness validity, insurance status and pending challans in 5 seconds. Auto-fills the proposal form.
20% / 25% / 35% / 45% / 50% slab tracked per vehicle. Renewal reminder includes the NCB amount at stake. Break-in window of 90 days monitored automatically.
Own Damage and Third Party premiums stored separately. Stand-alone OD renewals on cars older than 3 years handled cleanly.
Insured Declared Value calculated from car age, model and original price. Adjustable for accessories and modifications. Agent's most-asked question answered in two clicks.
Zero depreciation, engine protect, return-to-invoice, roadside assistance, key-and-lock replacement, consumables, NCB protection — all add-ons stored against the policy with premium impact.
Pending traffic challans returned alongside RC data. Useful for explaining why a client's recent insurance claim might be queried.
Private-car insurance is the most competitive motor segment in India. Customers price-shop aggressively, NCB negotiations decide retention, and add-on packaging is where agent revenue gets made. A generic motor CRM that treats a car like a goods carrier misses every one of those conversations. A purpose-built car insurance CRM for agents has to surface NCB at the right point in the renewal conversation, calculate IDV without the agent reaching for a separate tool, store OD-TP splits per policy, and compare add-on stacks across insurers on a single screen.
Agenex models cars natively. Vahan integration fetches the RC in 5 seconds. The NCB ladder (20-25-35-45-50%) is stored against each vehicle and surfaces on the renewal reminder so the customer sees the discount they would lose. OD and TP premiums are separate fields, allowing stand-alone OD renewals on cars over 3 years old (where the TP component runs on the long-term policy bought new). IDV calculator uses age-based depreciation per IRDAI guidelines. Add-on selection — zero dep, engine protect, return-to-invoice, roadside assistance, consumables, key-and-lock, NCB protection — sits in a checklist per quote so the agent never forgets to offer them.
Pair the car module with the broader motor workflow — motor agent CRM for multi-line motor books, two-wheeler tool for high-volume bike renewals, commercial vehicle tracker for goods carriers with fitness, permit and tax timelines, premium calculator for instant quote generation and automatic RC policy fill for one-tap proposal pre-population. The same dashboard handles a private-car agent's full daily flow plus the occasional commercial or two-wheeler client without forcing a separate tool.
NCB (No Claim Bonus) is tracked per vehicle with the current slab — 20%, 25%, 35%, 45%, 50%. The renewal reminder includes the NCB amount at stake so the customer sees the discount they would lose. If renewal happens within 90 days of expiry, NCB carries forward. After 90 days NCB drops to zero — the system flags that risk on the dashboard.
Yes. Own Damage (OD) and Third Party (TP) premiums are stored as separate fields per policy. Commission slabs differ between OD and TP, and the calculator handles both. Useful for stand-alone OD renewals on cars older than 3 years where the agent quotes OD separately from the long-term TP.
Yes. Multi-insurer quote comparison shows OD, TP, NCB-applied premium, add-ons (zero dep, engine protect, return-to-invoice, roadside assistance) side by side across the insurers an agent is empanelled with. PDF quote can be generated and shared on WhatsApp in two taps.
Yes. Vahan integration covers every state RTO series from MH-01 to PB-99 to TN-99 to KA-66 — all India. Rs.5 per check. Owner name, engine, chassis, fitness, insurance status and pending challans return in 5 seconds.
The motor module handles cars, two-wheelers, commercial vehicles and three-wheelers together. The car-focused workflow surfaces car-specific fields (NCB ladder, IDV calculator, add-on stack, OD-TP split) more prominently and adds car-specific quote-comparison views. Same underlying data — different default layout.
The full motor module — cars, two-wheelers, commercial vehicles, three-wheelers on one dashboard.
High-volume bike renewals with bulk WhatsApp reminders and NCB tracking per vehicle.
Goods carriers, taxis, buses — fitness, permit, tax, PUC and CNG cylinder timelines per vehicle.
Instant motor premium quotes — IDV, OD, TP, NCB, add-ons in one screen.
Enter the RC number, the proposal form pre-populates from Vahan in 5 seconds.
Pending traffic challans per vehicle — pulled from the Parivahan database alongside RC data.
Vahan RC, NCB ladder, IDV, OD-TP, add-ons — all in one screen. From Rs.999/year.
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