For insurers and brokers

Insurer pilot brief: evidence for every ODC move

Fewer transit losses on over-dimensional and over-weight cargo, and a record that underwriters and claims teams can rely on. Every move is inspected to a fixed standard, checked by a second person and locked into one evidence file before the truck moves.

A power transformer carried between the girders of a heavy-haulage trailer on a town road. — Photo: Hullian111, CC BY-SA 4.0, via Wikimedia Commons

The proof

2×reduction in loss ratio, transformer client

1.3×reduction in loss ratio, chiller client

0.5×inspection expenses, both clients

Loss ratios on annual turnover and survey fees, two clients (not named), April to December 2025. The basis is in the research papers on SSRN and Zenodo. Client-reported, not a guarantee. The data behind the platform: 207 trips and 242 inspections, anonymised (Analytics).

What stands behind each move

Documents read and cross-checked: invoice, LR, eWay Bill, vehicle RC and driver licence, against the declared cargo and vehicle.
A fixed 10-photo evidence standard before dispatch: front, sides, rear, nameplate, lashing and ODC markers.
Limits and securing checked: length, breadth and height against the MoRTH over-dimension thresholds, payload against the vehicle, and lashing capacity against the 1.5× weight rule.
Two people, always: the inspector (maker) captures and confirms, an independent checker approves or returns it. Every correction carries a logged reason.
Unloading is evidenced too: a four-stage photo protocol and incident logging to final rest.
See it for yourself: three real reports, redacted: one cleared, one with a lashing gap, one stopped for overloading.
One locked file: a PDF report and archive with a QR code, ready for underwriting, claims and regulators.

Pilot scope and terms

Two categories, MoRTH and non-MoRTH, which you switch between in the app. The pilot data holds only the unit of measure, quantity and HSN code of what was floated: no names and no values.

Pilot terms*: Diwali 2026 enterprise founding partners: qualify and contract by 8 November 2026 for up to 30 included inspections before 2027; billing from 1 January 2027. Offer and full terms. *Terms and conditions apply.

Insurers and brokers can also bid on ODC movements, one inspection or a repeat programme: place a bid.

Request a pilot

Download this brief as a one-page PDF

To request a pilot: iCargoFinsure, Cargofin Softwares Pvt Ltd, icargofinsure.com/insurer-pilot-brief.html

Educational brief, not an underwriting opinion, a permit or a certified calculation.