Background
Coversure, an insurtech startup, aimed to redefine insurance management in India with a mobile-first platform, risked ₹2M in revenue due to fragmented vehicle management experiences.
Motor Club was launched on June 15, 2023, to unify these tasks and strengthen Coversure’s position against competitors like PolicyBazaar and Acko.
Problem statement
Vehicle owners struggled with multiple apps for insurance, fines, and tolls, causing 45% to miss renewals and a 12% drop-off, so we needed one easy fix to keep customers.
Motor Club transformed Coversure’s insurance experience, boosting renewals by 25% (from 60% to 75%) and adding ₹5 L in revenue within three months, while growing daily users by 40% to 7,000.
Results & Impact
Engagement
🚀
Adoption
Leadership Approach
I envisioned Motor Club as the "control center" for vehicle owners—a seamless interface consolidating essential tasks.
Steps taken:
Secured executive buy-in with a business case linking engagement to a 15% renewal rate increase, backed by competitor analysis (e.g., PolicyBazaar, Acko).
Prioritized features like Fastag and Challan integration over roadside assistance, based on survey data showing 68% user preference for toll and challan management.
Aligned teams — design, product, engineering, and partnerships — around a goal to halve task completion time, validated by usability testing.
A mindmap clarified this strategy, aligning user needs (e.g., timely renewals), business goals (e.g., higher retention), and technical constraints (e.g., API reliability) around the core vision.
Process and collaboration
Discovery
Conducted 350 user interviews and mapped the vehicle ownership journey, finding 45% missed renewals due to forgotten deadline & 60% found challan checks cumbersome.
Created a customer journey map with three stages—Awareness (in-app notifications), Usage (dashboard), and Loyalty (regular use)—highlighting pain points like missed notifications and slow performance, with opportunities like personalized alerts and optimization.
Design & Iteration
This streamlined onboarding flow ensures users can register their vehicle, verify policy details, and access Motor Club services—including 24/7 roadside help and claim facilitation—without friction.
Enter your registration number—or upload your RC document—and we’ll instantly fetch the car’s details and link the active motor policy.
Final Design

Interactive Prototype
Motor club onboaring
What's covered, what's not
Insurance in the center
Stages of insurance
Results & Impact
Engagement
🚀
Adoption
Key Takeaways
Designed a Complete Vehicle Ownership Ecosystem
Not just a single feature — Motor Club reimagined the entire ownership journey.
Brought together insurance, compliance, finance, and daily engagement into one unified dashboard, reducing fragmentation across multiple apps and services.
Balanced Business Goals with User Needs
Prioritized insurance visibility for monetization (renewals, upsells) without compromising user trust.
Designed flows that felt helpful first, commercial second, creating natural opportunities for business growth.
Simplified Complex Government-Driven Tasks
Payment of fines (challans), pollution compliance (PUCC), toll recharges (FASTag) — typically painful in India — were streamlined into friendly, intuitive digital flows.
User Empowerment through Transparency and Control
Focused on making critical information (like insurance status, challan dues, PUCC validity) easily accessible.
Gave users clear actions and manual override options (e.g., mark challan paid) when tech limitations existed (state RTO integrations).
Human-Centric Micro-journeys
Mapped user goals (e.g., "Is my insurance active?", "Is my PUC valid?") to simple, guided flows, creating an overall effortless product experience.
Every feature (insurance, FASTag, challan, PUC) was treated as a micro-journey, not just a data dump.
Seamless Design-Product-Engineering Collaboration
Designed with backend realities in mind (e.g., incomplete APIs from RTOs, FASTag data sync delays).
Built fallback mechanisms (e.g., "Mark Paid" button) and used clear messaging to maintain user trust even when tech couldn't guarantee live updates.
Data-Led Iterations
Used user interviews, A/B testing, and click-path data to optimize what’s surfaced on the Motor Club homepage (e.g., why Insurance is at top, why Challan needs urgency flags).
Created Habitual Engagement beyond Transactions
Added Fuel Price Tracker not for monetization but to build small daily/weekly engagement hooks, ensuring users kept returning even without an active insurance task.
Finally….
Motor Club transformed vehicle ownership into a simple, trusted, and proactive experience — blending critical services, daily utility, and effortless control into one seamless ecosystem