The Irdai chief made a statement recently that nearly 50% of vehicles in India are uninsured. There were over 30 crore vehicles in India (as on 31 March 2019), which means nearly 15 crore vehicles ply on Indian roads uninsured. This exposes vehicles to third-party damages, loss incurred due to vehicle accidents, thefts, and damage due to fire or natural disasters--all perils an insurance cover protects the vehicle against. In this episode with Kunal Jha, Head - Motor Product and Actuarial, Digit Insurance, we discuss why this is worrisome, the reasons behind low motor insurance penetration, and what can the government and insurers do to increase insurance awareness in India.