For multi-insurer distributors, quote every insurer from one RC

Picture a POSP agent sitting with a customer who wants to renew cover on a five-year-old two-wheeler. The agent types in the registration number, the RC details come back, and the app asks six insurers for a quote. Four come back. One fails. One comes back for the wrong variant at a premium that makes no sense, and the customer starts to look doubtful.

The agent now has two choices. Pick a variant from a dropdown and hope it's right, or sell one of the four quotes that did come back. Either way you've lost something: a choice the customer should have had, a commission, or a correct policy.

Web aggregators have the same problem without the agent. The customer simply sees fewer quotes and leaves.

Where the money goes

Selling across several insurers is the business. Every insurer that fails to quote makes your offer a little weaker than it should be, and the reason is almost always the vehicle code.

• A missing code means a missing quote. Customers compare, so fewer quotes means fewer sales, and you never find out which ones.
• A guessed code is worse. When an agent picks the variant by hand, the policy can go out with the wrong variant, and then IDV and premium are wrong too. Fixing it means an endorsement, and sometimes a refund and an awkward call.
• Behind all of this sits an ops team that maps vehicles and handles agents' "quote not coming" messages. It grows with your volume and your insurer panel, not with your revenue.
• Agents learn which insurers "never work for bikes" and stop trying them. Your panel gets smaller in practice than it is on paper.

What changes with Dorvy Tech

You send the vehicle fields from the RC, the same ones you already fetch. Dorvy Tech returns the listing and code for every insurer master you use in a single call, each with a confidence level and the closest alternatives. That takes about 7 ms per vehicle for five insurers, which is fast enough for the agent's screen.

When it's confident, you can skip the dropdown altogether. When it isn't, show the agent the two or three closest listings instead of the whole master, so they choose from a short list rather than scrolling through every Splendor the insurer has ever listed. When an insurer doesn't list the vehicle at all, the app can say so and stop sending requests that were always going to fail.

Two-wheelers deserve a mention here, because they cause a lot of the pain. RC spellings like SUPER SPLENDOR(SV)DRUMSELFCAST and SUPER SPLENDOR-DRUM-SELF-CAST describe the same bike, and every insurer writes its variants differently again. That mess is the case we built Dorvy Tech for.

Accuracy and cost, in numbers

On our held-out test of 150 real RC records across five insurer masters, Dorvy Tech picked the exact listing 77.0% of the time, against 66.2% for the best standard matcher. When it gave an answer, it was right 84.9% of the time, against 66.9%. The test was deliberately hard. How we measured explains it.

For a distributor, the bigger number is usually the quotes you get back. A rough way to size it, with made-up figures: say your agents run 40,000 quote journeys a month and one journey in 25 loses at least one insurer to a vehicle problem. That's 1,600 customers a month seeing a shorter list than they should. If even a small share of them would have bought from the missing insurer, that's real premium and real commission. Add the ops hours spent fixing mappings and the endorsements raised afterwards, and the total gets large quickly.

Use your own numbers. The free comparison gives you the accuracy side on your own vehicles.

Getting started

Send about 300 recent vehicles from your quote traffic, with the code you use today for each insurer. Within 3 working days you get our pick, confidence and alternatives next to yours. Your team judges, and if we're better, we start a pilot on live traffic.