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Motor Club - User Leak Prevention to Lifetime Value

Motor Club - User Leak Prevention to Lifetime Value

Transforming boring Insurance with engaging and smart companion

Transforming boring Insurance with engaging and smart companion

Scan QR for Live Prototype

What if

insurance apps

were as engaging

as your favorite social media apps?

Challenges - The Problem

Risk of Policy Lapse

Missed renewals led to policy lapses


Missed renewals led to policy lapses

Engagement Drop-off

Low engagement across the policyholder journey

Data Fragmentation

No centralized view of actionable vehicle data

No Expiry Alerts

Difficulty identifying expired documents like PUC or Fastag

Lack of Documentation

Lack of visibility into what is covered and what is not

Process

1

2

3

Discovery Phase

Competitive benchmarking: CRED, Acko, Park+, HDFC Ergo

Conducted qualitative user interviews across existing and new user segments

Design Phase

Wireframes → Mid-fidelity → UI system → Design tokens

End-to-end journey maps, scenarios, and edge-case coverage

Dev handoffs

Documented component states, edge cases, and behavior guidelines

Included dev notes for interactions and scalable frontend implementation

Decisions

Decisions

1

Add vehicles by

registration number

or Gmail fetch

2

Auto fetch all

related vehicle

using policy data

3

Display policy

summary with

actionables

4

Form habits via

smart reminders

and quick actions

Design Bets

Effortless insurance policy management

Check & manage vehicle PUC

Seamless FASTag experience

Track and manage your vehicle challans

Receive assistance in an emergency

Features

Onboarding

Instantly register vehicle enabiling automatic fetching of associated insurance, challan, and compliance data.

Instantly register vehicle enabiling automatic fetching of associated insurance, challan, and compliance data.

Insurance dashboard

View, manage, and track active and expired insurance policies for added vehicles

View, manage, and track active and expired insurance policies for added vehicles

Different insurance stages

Covers all four stages naturally, Emphasizes the value proposition & Works whether someone is new to the feature or managing existing policies

Covers all four stages naturally, Emphasizes the value proposition & Works whether someone is new to the feature or managing existing policies

What’s covered and what’s not

Clear breakdown of your included benefits and excluded items

Clear breakdown of your included benefits and excluded items

CS - Motor Club Homepage

We designed the Motor Club homepage to be a one-stop control center for vehicle owners — keeping them insured, toll-ready, legally compliant, and informed, with minimal effort. The page prioritized critical needs like insurance and compliance first, while lightly driving engagement through utilities like fuel prices

We designed the Motor Club homepage to be a one-stop control center for vehicle owners — keeping them insured, toll-ready, legally compliant, and informed, with minimal effort. The page prioritized critical needs like insurance and compliance first, while lightly driving engagement through utilities like fuel prices

Vehicle Insurance and Add-ons

The goal was to create a zero-stress insurance overview — from verifying coverage to taking quick actions in emergencies. Every design decision was backed by real user behavior insights — minimizing taps, reducing information overload, and surfacing the most critical actions first."

The goal was to create a zero-stress insurance overview — from verifying coverage to taking quick actions in emergencies. Every design decision was backed by real user behavior insights — minimizing taps, reducing information overload, and surfacing the most critical actions first."

Challan Payment

Designed the Challan screen to simplify a frustrating government service by putting users in control: enabling easy discovery, fast payment, and clear post-payment management — even when technical integration with RTO systems was limited

Designed the Challan screen to simplify a frustrating government service by putting users in control: enabling easy discovery, fast payment, and clear post-payment management — even when technical integration with RTO systems was limited

PUC

Simplified pollution compliance tracking for users, giving instant PUC status, full transparency, and easy renewal pathways

Simplified pollution compliance tracking for users, giving instant PUC status, full transparency, and easy renewal pathways

FASTag

Designed a travel-ready FASTag experience where users feel financially prepared, informed, and confident

Designed a travel-ready FASTag experience where users feel financially prepared, informed, and confident

Metrics & Validation

Average Session Duration

35,000

Peak Motor Club Sessions

90 days achievement

280K

Total Session Minutes

Motor Club (Day 90)

1,567%

Session Growth Rate

Motor Club vs Coversure

Jul3

Jul 17

Jul 31

Aug 14

Aug 28

Sep 4

Sep 18

Session Volume (90 Days after launch)

Monthly Active Users

Day 0

Day 30

Day 60

Day 90

Engagement

40% (5,000 to 7,000)

40% increase from 5K

Digital insurance platform designed to simplify motor insurance for modern consumers.

Digital insurance platform designed to simplify motor insurance for modern consumers.

73%

Time reduction in

complex forms

Time reduction in

complex forms

45%

Reduction in

junk calling

Reduction in

junk calling

60%

Increases user

satisfaction

Increases user

satisfaction

User Retention

User Retention (Cohort Analysis)

Initial active users

2.8K → 24.6K

Growth Rate: 778% over 13 weeks

Day 1 Retention

85% → 99%

Improving

Day 90 Retention

48% → 67%

Strong

Cohort

Week of Jul 3

Week of Jul 10

Week of Jul 17

Week of Jul 24

Week of Jul 31

Week of Aug 7

Week of Aug 14

Week of Aug 21

Week of Aug 28

Week of Sep 4

Week of Sep 11

Week of Sep 18

Week of Sep 25

Initial Users

2,800

3,200

4,100

5,300

6,800

8,600

10,200

12,400

14,800

17,500

19,800

22,100

24,600

Days Active

90

83

76

69

62

55

48

41

34

27

29

13

6

Day 0

100%

100%

100%

100%

100%

100%

100%

100%

100%

100%

100%

100%

100%

Day 1

85%

87%

89%

91%

92%

93%

94%

95%

96%

97%

98%

98%

99%

Day 7

77%

75%

78%

81%

83%

85%

86%

88%

90%

92%

94%

95%

Day 15

65%

68%

72%

75%

77%

79%

81%

83%

85%

87%

89%

Day 30

58%

62%

66%

69%

71%

73%

75%

77%

79%

81%

Day 60

52%

56%

60%

63%

65%

67%

69%

71%

73%

Day 90

48%

52%

58%

59%

61%

63%

65%

67%

Average Day 1 Retention : 93.4%

Average Day 1 Retention : 93.4%

Average Day 90 Retention : 58.9%

Average Day 90 Retention : 58.9%

Average Session Duration

Average Session Duration

35,000

Peak Motor Club Sessions

Peak Motor Club Sessions

90 days achievement

280K

Total Session Minutes

Total Session Minutes

Motor Club (Day 90)

1,567%

Session Growth Rate

Session Growth Rate

Motor Club vs Coversure

Jul3

Jul3

Jul 17

Jul 17

Jul 31

Jul 31

Aug 14

Aug 14

Aug 28

Aug 28

Sep 4

Sep 4

Sep 18

Sep 18

Session Volume (90 Days after launch)

Monthly Active Users

Monthly Active Users

Day 0

Day 0

Day 30

Day 30

Day 60

Day 60

Day 90

Day 90

Engagement

Engagement

40% (5,000 to 7,000)

40% increase from 5K

40% increase from 5K

Designed from real user insights

Habit formation with utility to drive retention

Managing policies is a hassle experience

Accelerate with AI without compromising UX

MAU 40%

(5,000 to 7,000)

Design-decisions driven by user interviews & behaviours

Discovery Phase

Competitive benchmarking: CRED, Acko, Park+, HDFC Ergo

Conducted qualitative user interviews across existing and new user segments

1

Design Phase

Wireframes → Mid-fidelity → UI system → Design tokens

End-to-end journey maps, scenarios, and edge-case coverage

2

Dev handoffs

Documented component states, edge cases, and behavior guidelines

Included dev notes for interactions and scalable frontend implementation

3

Process