Amazon Pay has broadened its motor insurance offerings through partnerships with Acko, ICICI Lombard and HDFC ERGO, growing its network to 9,000 cashless garages and enabling policyholders to access repairs nationwide without upfront payments or travel to major cities.

By embedding insurance purchases and claim submissions within its shopping app, Amazon Pay reduces processing times, eliminates physical paperwork and enhances customer convenience compared to traditional brick-and-mortar distribution models.

In a market characterized by single-digit insurance penetration, Amazon’s fully digital approach increases pressure on incumbents, raises customer expectations and targets underserved regions beyond metropolitan areas.