Table 13Net Commission Ratios (defined as Net Commission to Net Earned Premium)
OVERALL | Year | 2012-13 | 2013-14 | 2014-15 | 2015-16 | 2016-17 | 2017-18 | 2018-19 | 2019-20 | 2020-21 | 2021-22 |
| Fire | 5.9% | 6.1% | 9.2% | 8.6% | 6.2% | 4.1% | 6.6% | 0.5%
| 1.3% | -3.5% |
| Engg. | -12.9% | 0.0% | -3.1% | -2.0% | -2.3% | 3.1% | 1.3% | 4.5%
| 0.1% | 2.7% |
| Marine Cargo | 11.8% | 10.9% | 10.5% | 10.7% | 10.1% | 12.4% | 13.5% | 12.9%
| 13.3% | 14.5% |
| Marine Hull | -7.1% | -3.6% | -4.9% | -3.2% | -1.6% | 1.6% | 1.4% | 3.9%
| 1.4% | 0.5% |
| Motor OD | 7.5% | 7.8% | 6.2% | 6.7% | 6.2% | 14.5% | 17.0% | 17.6%
| 18.3% | 16.6% |
| Motor TP | -1.5% | -0.7% | -0.5% | -0.4% | -1.1% | -1.0% | 0.6% | 0.3%
| 0.3% | 0.5% |
| Aviation | 9.6% | 2.9% | 10.3% | 7.4% | 11.2% | 11.1% | 4.6% | 7.1%
| 11.8% | 4.9% |
| Health | 4.2% | 5.3% | 5.6% | 5.1% | 3.7% | 4.3% | 4.1% | 4.3%
| 6.4% | 6.7% |
| Personal accident | 9.0% | 7.8% | 8.4% | 5.0% | 3.6% | 3.0% | 1.4% | 4.9%
| 4.7% | 0.5% |
| Liability | 12.7% | 14.5% | 14.9% | 13.6% | 12.6% | 14.3% | 12.2% | 9.2%
| 10.6% | 7.9% |
| Other Misc. | -4.0% | -1.9% | -3.3% | -3.0% | -15.8% | -10.6% | -7.6% | -9.0%
| -3.8% | -2.7% |
| TOTAL | 3.3% | 4.3% | 4.0% | 3.9% | 1.6% | 3.9% | 5.0% | 4.5%
| 5.2% | 5.0% |
GENERAL INSURERS | Year | 2012-13 | 2013-14 | 2014-15 | 2015-16 | 2016-17 | 2017-18 | 2018-19 | 2019-20 | 2020-21 | 2021-22 |
| Fire | 5.9% | 6.1% | 9.2% | 8.6% | 6.2% | 4.1% | 6.6% | 0.5%
| 1.3% | -3.5% |
| Engg. | -12.9% | 0.0% | -3.1% | -2.0% | -2.3% | 3.1% | 1.3% | 4.5%
| 0.1% | 2.7% |
| Marine Cargo | 11.8% | 10.9% | 10.5% | 10.7% | 10.1% | 12.4% | 13.5% | 12.9%
| 13.3% | 14.5% |
| Marine Hull | -7.1% | -3.6% | -4.9% | -3.2% | -1.6% | 1.6% | 1.4% | 3.9%
| 1.4% | 0.5% |
| Motor OD | 7.5% | 7.8% | 6.2% | 6.7% | 6.2% | 14.5% | 17.0% | 17.6%
| 18.3% | 16.6% |
| Motor TP | -1.5% | -0.7% | -0.5% | -0.4% | -1.1% | -1.0% | 0.6% | 0.3%
| 0.3% | 0.5% |
| Aviation | 9.6% | 2.9% | 10.3% | 7.4% | 11.2% | 11.1% | 4.6% | 7.1%
| 11.8% | 4.9% |
| Health | 4.0% | 4.8% | 5.1% | 5.2% | 3.3% | 4.1% | 3.4% | 3.7%
| 5.9% | 5.0% |
| Personal accident | 9.2% | 8.3% | 8.3% | 5.1% | 3.6% | 2.9% | 0.9% | 4.6%
| 3.7% | -1.5% |
| Liability | 12.7% | 14.5% | 14.9% | 13.6% | 12.6% | 14.3% | 12.2% | 9.2%
| 10.6% | 7.9% |
| Other Misc. | 2.6% | 4.0% | -2.1% | 0.4% | -12.1% | -6.4% | -6.0% | -8.2%
| -4.9% | -2.4% |
| TOTAL | 4.0% | 4.8% | 4.1% | 4.3% | 2.2% | 4.6% | 5.4% | 4.7%
| 4.8% | 4.7% |
STANDALONE HEALTH INSURERS | Year | 2012-13 | 2013-14 | 2014-15 | 2015-16 | 2016-17 | 2017-18 | 2018-19 | 2019-20 | 2020-21 | 2021-22 |
| Health | 6.6% | 9.5% | 9.3% | 4.8% | 5.5% | 5.0%
| 6.3% | 6.0%
| 8.7% | 11.3% |
| Personal accident | 2.6% | -9.9% | 10.7% | 3.2% | 4.0% | 4.0% | 5.8% | 7.1%
| 13.9% | 15.7% |
| Other Misc. | 6.4% | 8.6% | 10.1% | 3.3% | - | 6.0% | - | - | - | - |
| TOTAL | 6.5% | 9.0% | 9.3% | 4.7% | 5.5% | 5.0% | 6.3% | 6.0%
| 9.0% | 11.5% |
SPECIALISED INSURERS | Year | 2012-13 | 2013-14 | 2014-15 | 2015-16 | 2016-17 | 2017-18 | 2018-19 | 2019-20 | 2020-21 | 2021-22 |
| Other Misc. | -12.2% | -9.0% | -4.8% | -6.8% | -23.1% | -22.9% | -12.6% | -11.3%
| -2.4% | -3.0% |
Source: IRDAI reports and Council Compilation
