Achieved more than 95% inspection accuracy using Gemini Enterprise Agent Platform
Boosted five-minute decisioning from 71% to 96% with Google Cloud
Slashed video assessment loops to under three minutes
Achieved 97% issuance within five minutes in PAYD using Gemini models
Reclaimed 50% of advisor capacity utilizing Cloud Storage
Policybazaar leverages Gemini multimodal capabilities on Gemini Enterprise Agent Platform to automate video checks and clear renewal backlogs.
Motor insurance options in India can be complex, which is why Policybazaar built its market-leading reputation by making the consumer journey entirely transparent and accessible. The digital platform empowers millions of unique buyers to seamlessly research, compare policies from dozens of competing providers side-by-side. While this transparent architecture successfully optimized front-end customer onboarding, an unavoidable regulatory hurdle historically disrupted this experience whenever a customer attempted to renew an expired vehicle policy. These ‘break-in cases’ mandate a comprehensive vehicle inspection to verify integrity before any new coverage can be issued.
To remove this friction, Policybazaar empowered customers to self-upload smartphone videos of their cars directly through its platform. But everyday drivers are not professional videographers. User-uploaded footage frequently suffered from severe environmental noise, such as intense windshield glare, dynamic outdoor lighting, and erratic camera angles. Traditional computer vision models and vision transformers proved inadequate under these real-world conditions. Legacy pipelines failed to exceed a 70% accuracy threshold for odometer readings due to reflections, and inconsistent lighting triggered frequent false negatives across a strict 30+ parameter checklist, especially when trying to flag windshield cracks or verify if the vehicle moved out of frame.
This technological challenge forced insurance advisors to manually review every 5-to-7-minute video frame-by-frame. The manual grind consumed 10 to 15 minutes per case, which choked the operational pipeline, created massive backlogs, and caused customer drop-offs. In-house development of custom video models promised prohibitive maintenance, deployment, and infrastructure costs. To secure a scalable foundation, Policybazaar migrated its inspection architecture to Google Cloud, choosing Gemini Enterprise Agent Platform to harness its out-of-the-box temporal sequence intelligence.
Google Cloud provides superior accuracy with temporal data and the scalable architecture we need to solve complex video evaluations. By transitioning to Gemini, we eliminated infrastructure maintenance overheads while accelerating our operational efficiency.
Santosh Bhat
Chief Data Scientist, Policybazaar
Policybazaar constructed an advanced, multi-model parallelized orchestration pipeline. Media assets are now hosted securely within Cloud Storage before a Python-based orchestrator splits long video files into logical segments for processing. The foundational breakthrough of this architecture relies on a custom sequential accumulation logic. Rather than deploying rigid algorithms that search for an elusive, flawless ‘hero frame,’ Policybazaar instructed the Gemini models to continuously track and accumulate visual evidence of edges (Top, Bottom, Left, Right) over the entire duration of a camera pan to ensure the full windshield is visible.
This architectural shift allowed the company to effortlessly track over 30 separate parameters while discarding blurry or unreadable segments just like a human inspector. To balance infrastructure costs against performance constraints, the team deployed a highly efficient multi-model strategy. Simpler tasks like document parsing or basic object extraction run concurrently through models like Gemini 2.5 Flash and Gemini 2.5 Flash-Lite. Complex visual parameters are routed directly to Gemini 3 Flash Preview, while Gemini 3.1 Pro provides deep meta-analysis.
The team also utilized direct content injection, embedding specific inspection instructions directly alongside the video inside the User Prompt rather than System Prompts to secure tighter visual-logic grounding. The engineering team implemented Embedded Reasoning through strict Chain-of-Thought prompts, and the model is forced to define contextual boundaries and write out a detailed description of the camera path inside a designated JSON field before it is permitted to deliver a final true-or-false validation status. This extra layer of accountability significantly improved system accuracy, while optimizing hyperparameters to a temperature of T=1.0 enhanced the model’s grasp of fluid visual motion.
With Gemini, we pass raw video chunks and let the model infer context just like a human being. It completely simplifies our architecture, removing the need to manage frame rates or write custom frame-by-frame analysis logic.
Gaurav Sharma
AVP - Data Sciences, Policybazaar
Policybazaar saw a dramatic accuracy shift from a 0-60% baseline to 100% on tested datasets by deploying Gemini models on Google Cloud. The multi-model pipeline dropped average inference latency to 11–13 seconds per video evaluation, crashing total advisor review loops from 15 minutes to just 1 to 3 minutes. These metrics directly optimized the consumer experience, pushing the five-minute policy decisioning window from 71% to 96%. For the Pay As You Drive (PAYD) segment, turnaround latency plummeted from 97% to 0%, securing instantaneous issuance for last-minute shoppers.
The removal of the administrative backlog successfully reclaimed 50% of advisor capacity, with clear milestones to hit 50% in the near term. Freed from the manual work of inspecting windshield videos, advisors can scale their output up to three times the current volume and pivot toward strategic tasks.
Crucially, this operational shift preserves the human element in insurance. Because insurance touchpoints frequently occur during high-stress life events like lapsed coverage or post-accident vehicle damage, advisors can now leverage automated root-cause case histories to bypass paperwork and focus their conversations on human empathy and rapid crisis resolution. In the upcoming phase, Policybazaar will continue co-architecting its ecosystem with Google Cloud, deploying real-time edge guidance models that actively correct customer recording errors at the source to secure an enduring competitive advantage.
Automating our inspection pipeline ensures more than 95% accuracy, meaning our advisors don’t have to redo the work. Technology acts as the ultimate assistant, clearing administrative hurdles so our team can focus entirely on empathy and customer service.
Santosh Bhat
Chief Data Scientist, Policybazaar
Policybazaar is a leading online insurance aggregation marketplace based in India, providing a transparent, customer-first platform for comparing and purchasing life, health, motor, and travel policies from leading insurers.
Industries: Financial Services, Insurance
Location: India
Products: Gemini Enterprise Agent Platform, Gemini 2.5 Flash, Gemini 2.5 Flash-Lite, Gemini 3 Flash Preview, Gemini 3.1 Pro, Cloud Storage