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INSURANCE REGULATORY AND tl i DEVELOPMENT AUTHORITY

04th January 2011

Ref: IRDA /Mot TP (rev)

Exposure Draft on Review of Motor Insurance premium rates for third party liability cover The third party motor insurance is mandatory for all classes of vehicles that ply on the public place. Prior to 2007, premiums for all lines of business in the non-life sector were regulated by the Tariff Advisory Committee. The third party motor insurance premiums were till then governed by the provisions of the India Motor Tariff of 1st July 2002. In 2007, regulation of tariffs was withdrawn. However it was continued to be regulated in the case of third party motor insurance. Considering that due regard had to be paid to the developments since then, the Authority, in 2007, caused a detailed analysis of the various rates etc and after discussions with various apex associations of transporters, initially notified a rate for different classes of vehicles as set out in column-1 of Annexure1. Later, in response to various concerns expressed, the premium was scaled down and a revised notification was issued on 23rd January 2007 as set out in column-2 of Annexure-1. These rates remain in force till today.

2. Parallelly, in order to ensure that this class of business, which seems to be basically unviable, is not disproportionately loaded only on to certain classes of insurers, the Regulatory Authority constituted a Pool which was structured on the premise that all insurers shall share losses arising from the provision of third party insurance cover in proportion to their market share.

3. Having regard to the claims experience and loss experience as well as in response to rising costs and considering that the present notification has retained the rates untouched since 2007, the General Insurance Council organized various discussions with the transporters' associations in order to discuss a revision of rates for this class of business.

iftwt , t{ m ?c , o0& iii, titI I1-500 004. 'IR?1 Parishram Bhavan , 3rd Floor, Basheer Bagh , Hyderabad-500 004. India. : 91-040-2338 1100, Vii: 91-040-6682 3334 Ph.: 91-040-2338 1100 , Fax: 91 -040-6682 3334 t-ii : irda@irda.gov.in a4: www.irda .gov.in / www.irdaindia .org E-mail : irda@irda .gov.in Web.: www.irda.gov.in / www.irdaindia.org

The General Insurance Council and the transporters' associations had several meetings which were inconclusive as the differences in approach could not be completely narrowed down. The GIC, in turn, submitted a report on their discussions to the Authority with a request to take the matter forward. The Authority in its turn held two rounds of meetings with the All India Confederation of Goods Vehicle Owners Association (which also represented members of All India Bus Operators Association) and one round of meeting with the All India Motor Transport Congress. During these discussions, certain concerns were raised by the transporters' associations which were responded to by the Authority and this position is set out in the following paragraphs. Further, during the discussions, one of the participant transporter associations expressed a view that it would not be in the long term interests either of the insurance industry or the transport industry if the third party motor business is run in a manner other than at least on a no-loss no-profit basis.
SI No

Transporters ' Query No relevant data on third party insurance was supplied to them during their meetings with the G.I.Council.

IRDA's Response A booklet containing detailed information on Motor Third party portfolio was compiled and provided by the Authority to all the apex associations. This booklet contains the latest trends in motor third party insurance including data on the 3
years experience of Motor Pool.

Motor Third Party Pool

The Third Party Motor Pool was constituted

has not served its

purpose hence it should

as a measure to share the losses as the

premiums being charged for this class of

be dismantled and insurance are not viable. premium should be market determined and The statistics pertaining to motor third not regulated. The party insurance for the previous two years Authority can fix the is summarized in para 4 below. maximum retail price
(MRP) and give freedom The loss ratio of all classes of vehicles is to insurers to charge set out in Annexure-II.

prices lower than the The Authority has also analyzed the claim MRP. development pattern for goods vehicles and passenger carrying vehicles and the statistics establish that it takes 8 years for 99% of the claims to be filed. As the Pool

P1/

commenced only in the year 2007-08, the last claim for all vehicles which were insured in that year would be expected to be filed only in the year 2015-16. Hence, the statistics of incurred claims ratio are too narrow to enable one to take a decision to dismantle the pool without further experience at hand. Apart from the incurred claim ratio, the absolute amount of compensation being awarded has shown a significant upward trend. Claims settled in 2007 - 08 had an average claim amount per claim of Rs.1.03 lakh. This increased to Rs.1.21 lakhs for claims in 2008-09 which further increased to Rs.1 . 55 lakhs for the claims settled in 2009-10. This increase in claim amount brings out unequivocally that the pattern of settlement is on the increase and this would have profound implications on the loss ratios in the years to come. For all these reasons, it will be premature to consider total abolition of the Pool.
3 MV. Act should be Till 1988, the liability for motor third party

amended to bring in claims was limited. However , the Motor fixed limit of Vehicles Act 1939 was amended in 1988 to provide for unlimited liability . The Authority compensation has recommended to the Government that the original position of limited liability
should be restored. Further, the Authority

has also recommended that the MV Act be amended to provide for a limitation period
in the matter on filin g claims before MACT.

Claims for passengers should be segregated from claims for non passengers before reviewing the per

The law treats passengers and other third parties on equal footing. However efforts are on to work out separate data for passenger and non-passengers for the future by the Insurance Information

passenger component Bureau (IIB). of the p remium. Out of court The Supreme Court judgment on Sarla

settlements should be Verma 's case has set a higher bench mark which the future judgments are likely to encouraged .
follow. With the 30-50% extra

compensation pursued by advocates on behalf of claimants , insurers' submission that out of court settlements are not
successful has merit. The Su p reme Court

has grossly increased the final claim amount by similar percentage. The Court has also standardized the deductibles (which are essentially amounts the victim would have spent on self had he/she been alive). 4. Statistics compiled by the Insurance Information Bureau (IIB) of the Authority show that the motor third party insurance portfolio for commercial vehicles is consistently making losses. The summary of incurred claims ratio for preceding 2 years for motor third party insurance for (i) Good carrying vehicles (Public Carrier) and (ii) Passenger Carrying Vehicle (4 wheelers), are given below: TP Incurred Claims Ratio Class Code Description 2007 -08 152.50 158.62 2008-09 173.08 149.94

Goods Carrying Public (other 17 than 3 wheelers ) 21 Passen gers Carr ying 4 wheeler

The data for third party insurance for all classes of vehicles for 2007-08 and 2008years are placed in Annexure-II (a), II (b) respectively.

5. The Authority is of the view that the issue of review of motor third party premium deserves due importance and urgency. The data clearly shows that the portfolio is running at a considerable loss to the insurance companies. The development of claims for this portfolio also takes several years as illustrated in Annexure-III. The development is illustrated separately for all classes of vehicles in respect of (i) death (ii) third party property damage and (iii) other causes which can be accessed in the website of IRDA www.irda .gov.in (" What is New"/ 09t" Nov, 2010). 6. This class of insurance being mandatory, the motor pool whereby the insurers are sharing the loss, is also bursting at seems, with the long term liability threatening to run to 197%. It is also to be noted that as per IRDA estimates the insurance premium represent less than 1% of operating cost of transporters.

IRDA estimates the insurance premium represent less than 1% of operating cost of transporters.

7. In view of the above factors placing severe strain on the underwriting of mandatory third party insurance business by the general insurers, it has become necessary to come out with this exposure draft reviewing the third party premium and replace the current tariff by rates as proposed in column-3 of Annexure-I. 8. The rates proposed are the premium that can be charged by insurers till further orders. 9. All stake holders are invited to provide their comments on this draft proposal so as to reach the Authority by email addressed to hananthakrishnancWirda. aov.in on or before 17th January 2011.

/l ""^ - l_ (M.Ramaprasad) Member Non-Life

Annexure-I
Motor Third Party Insurance - Schedule of Premium Rates Column [ 1 ] 04.12.2006 ( Notified Premium ) Column [2 ] Existing Premium (23.01.2007 Noun. ) Column [ 3 ] Proposed Revised Premium

Private Cars Not exceeding 1000 cc Exceeding 1000 cc but not exceeding 1500 cc Exceeding 1500 cc 670 800 2500 670 800 2500 740 880 2750

Two Wheelers Not Exceeding 75 cc Exceeding 75 cc but not exceeding 150 cc Exceeding 150 cc but not exceeding 350 cc Exceeding 350 cc 300 300 300 620 300 300 300 620 330 330 330 660

Al

Goods Carrying Vehicles Public Carriers (other than 3 wheelers) GVW not exceeding 7500 kgs Exceeding 7500 kgs but not exceeding 12000 kgs Exceeding 12000 kgs but not exceeding 20000 kgs Exceeding 20000 kgs but not exceeding 40000 kgs Exceeding 40000 kgs 8000 8000 8000 9000 9000 5580 5920 6090 6260 6770 10040 10660 10960 11270 12190

A2

Goods Carrying Vehicles Private Carriers (other than 3 wheelers) GVW not exceeding 7500 kgs Exceeding 7500 kgs but not exceeding 12000 kgs Exceeding 12000 kgs but not exceeding 20000 kgs Exceeding 20000 kgs but not exceeding 40000 kgs Exceeding 40000 kgs 7000 7000 7000 8000 8000 1 5000 5300 5440 5610 6050 9000 9540 9790 10100 10890

AS

Goods Carrying Motorized Three Wheelers and Motorized Pedal Cycles - Pubic Carriers

1600

1530

2750

A4

Goods Carrying Motorized Three Wheelers and Motorized Pedal Cycles - Private Carriers

1450

1450

2610

Trailers Agricultural Tractors up to 6 HP vehicles (Class-D) ( For each trailer, for more please multiply by no of trailers )
Premium (Per licensed Passenger) tB) Premium Per licensed Passenger)

350 550

350 550

400 990

Cla

Four wheeled vehicles used for carrying passengers for hire or reward with carrying capacity not exceeding 6 passengers Not exceeding 1000 cc

Basic TP Premium

IA)
2375 3375

Premium (Per licensed Passenger) (B)

Basic TP Premium

Basic TP Premium

(A) 1650 2330 2840

(A) 2970 4190 5110

181
560 560 560

350 350 350

350 350 350

Exceeding 1500 cc I TP Premium is the total of a basic amount ( A) plus an amount derived by mulloyingthe licensed t b the amount (B)1 ... Nine

4125

Page 1 of 2

04.12. 2006 ( Notified Premium ) (A) (B)

Existing Premium ( 23.01 . 2007 ) (A) (B )

Proposed Revised Premium ( A) (B)

C2

Four or more wheeled vehicles with carrying capacity exceeding 8 passeng ers for hire or reward

4650

350

3160

235

5690

420

FC1b

Three wheeled vehicles used for carrying passengers for hire or reward with carrying capacity not exceeding 6 passengers
I TP Premium is the total of a basic amount (A) plus an amount derived by multiplying the licensed carrying capacity by the amount in (B) I

750

350

510

315

920

570

Motorized three wheeled passenger carrying vehicles for hire or C3 reward with carrying capacity exceeding 6 but not exceeding 17 passen g ers
[ TP Premium is the total of a basic amount (A) plus an amount derived by multiolvin the licensed carrvin capacity by the amount in Bt

2300

350

1560

315

2810

570

C2 Three wheelers with carrying capacity exceeding 17 passengers .

I TP Premium is the total of a basic amount (A) plus an amount derived by multiply ing the licensed carrying ca pacity by the amount in (B)

4650

350

3160 235

5690

420

C4

Motorized Two Wheelers used for carrying passengers for hire or reward Not exceeeding 75 cc Exceeding 75 cc but not exceeding 150 cc Exceeding 150 cc but not exceeding 350 cc Exceeding 350 cc 300 300 300 680 300 300 300 680 540 540 540 1220

D S pecial Types of Vehicles i) Pedestrian controlled Agricultural Tractors with Horse Power rating not exceeding 6 HP; Hearses and Plane Loaders ii) Other Misc & Spl types of vehicles 400 800 400 800 440 1440

E Motor Trade ( Road Transit Risk ) i) Distance not exceeding 2400 Kms if) Distance exceeding 2400 Kms 500 600 500 600 900 1080

F Motor Trade ( Road Risk) (Excluding Motorized Two Wheelers) [Named Driver or Trade Certificate 1st named driver or certificate For additional Drivers/Certificates upto 5 (Per driver/certificate For additional Drivers/Certificates exceeding 5 but not exceeding 10 (per driver/certificate) For additional Drivers/Certificates exceeding 10 but not exceeding 15 (per driver/certificate Motor Trade ( Road Risk) (For Motorized Two Wheelers ) [Named Driver or Trade Certificate 1st named driver or certificate For each additional Driver/Certificate

550 265 175 150

550 265 175 150

990 480 320 270

300 150

300 150

540 270
Page 2 of 2

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