Motor Od Incurred Claims Ratio in Indian Insurance

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Definition

Segment-level net incurred claims ratio for Motor OD, from IRDAI Form NL-20's own segmental analytical-ratios table (not the company-wide NL-20 figure).

Note: IRDAI Form NL-20 (Analytical Ratios Schedule), segmental breakdown page, 'Current Period' row for this segment.

Source form: NL-20 ·Source documents

Lowest to Highest

Latest available value per insurer (periods range from Q1 FY25-26 – Q1 FY26-27 — see the Period column for each insurer's actual reporting date)

#	Insurer	Motor Od Incurred Claims Ratio (%)	Period
1	Navi General Insurance	-739.0	Q1 FY26-27
2	Niva Bupa Health Insurance	0.0	Q1 FY25-26
3	ICICI Lombard General Insurance	68.0	Q1 FY26-27
4	HDFC ERGO General Insurance	69.1	Q1 FY26-27
5	IFFCO Tokio General Insurance	71.7	Q1 FY26-27
6	Reliance General Insurance	72.0	Q1 FY26-27
7	Digit General Insurance	75.9	Q1 FY26-27
8	Bajaj Allianz General Insurance	76.6	Q1 FY26-27
9	Liberty General Insurance	78.0	Q1 FY26-27
10	Zuno General Insurance	80.0	Q1 FY26-27
11	Raheja QBE General Insurance	81.0	Q1 FY26-27
12	SBI General Insurance	83.9	Q1 FY26-27
13	Royal Sundaram General Insurance	84.2	Q1 FY26-27
14	Chola MS General Insurance	86.3	Q1 FY26-27
15	Tata AIG General Insurance	89.0	Q1 FY26-27
16	Generali Central Insurance (formerly Future Generali)	89.0	Q1 FY26-27
17	Zurich Kotak General Insurance	92.0	Q1 FY26-27
18	Shriram General Insurance	98.4	Q1 FY26-27
19	United India Insurance	98.5	Q4 FY25-26
20	Kshema General Insurance	100.5	Q1 FY26-27
21	Universal Sompo General Insurance	102.0	Q1 FY26-27
22	National Insurance Company	103.3	Q1 FY26-27
23	Magma General Insurance	107.1	Q1 FY26-27
24	Oriental Insurance Company	116.5	Q1 FY26-27
25	New India Assurance	119.1	Q1 FY26-27
26	Acko General Insurance	127.0	Q1 FY26-27

Source: IRDAI public disclosures (NL-20). Click an insurer name for full provenance and historical data.
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