New Delhi: The Ministry of Road Transport and Highways on Friday (March 4) issued a draft notification, proposing to revise the premium for third party motor insurance.
The proposed hike in vehicle insurance premium rates will be applicable from the financial year 2022-23. However, two-wheeler and private car owners can benefit from the hike in third party motor insurance, as there is a slight reduction in the premium they pay.
On the other hand, taxi, truck and bus owners will have to shell out their pockets to buy third party motor insurance. The government has also proposed a 15 percent discount on insurance premium for electric vehicles (EVs). Hybrid electric vehicle owners can also avail a discount of 7.5 percent on the purchase of third party motor insurance.
Former Member of Insurance (Non-Life) KK Srinivasan, “There is little justification for the hike. Provisions made against claims are rising, but actual claims not paid. Formula based premium hike needs to be revisited ” Regulatory and Development Authority of India (IRDAI) told IANS.
Also, two-wheelers with a capacity between 75cc and 150cc will pay less at the rate of Rs 714 (Rs 752 with taxes) per year. In contrast, premiums for other classes of two-wheelers have increased.
The proposed hike in third-party motor insurance comes after several general insurers reported that they are incurring heavy losses under the motor insurance portfolio.
However, reports from industry lobby General Insurance Council and Insurance Information Bureau of India (IIB) indicate otherwise, according to an IANS report. Read also: 7th Pay Commission: State government increased dearness allowance of employees, check details
The Indian Non-Life Industry Year Book 2019-20 had mentioned that the total motor insurance premium earned by the industry for 2019-20 was Rs 68,951 crore. However, the claims paid for 2019-20 stood at Rs 38,071 crore, which includes vehicle damage claims worth Rs 20,552 crore and third party liability of Rs 17,519 crore. This means the gross surplus was Rs 30,880 crore. Read also: President of Ukraine talks to Elon Musk, and will meet Starlink internet terminal
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