Table 13Net Commission Ratios (defined as Net Commission to Net Written Premium)
OVERALL | Year | 2015-16 | 2016-17 | 2017-18 | 2018-19 | 2019-20 | 2020-21 | 2021-22 | 2022-23 | 2023-24 | 2024-25 |
| Fire | 8.6% | 6.2% | 4.1% | 6.6% | 0.5%
| 1.3% | -3.3% | -9.5% | -0.2% | 0.6% |
| Engg. | -2.0% | -2.3% | 3.1% | 1.3% | 4.5%
| 0.1% | 2.5% | -1.4% | -0.5% | 0.2% |
| Marine Cargo | 10.7% | 10.1% | 12.4% | 13.5% | 12.9%
| 13.3% | 13.6% | 14.4% | 17.1% | 17.1% |
| Marine Hull | -3.2% | -1.6% | 1.6% | 1.4% | 3.9%
| 1.4% | 0.5% | 0.3% | 0.3% | 2.5% |
| Motor OD | 6.7% | 6.2% | 14.5% | 17.0% | 17.6%
| 18.3% | 16.6% | 18.6% | 29.6% | 31.0% |
| Motor TP | -0.4% | -1.1% | -1.0% | 0.6% | 0.3%
| 0.3% | 0.5% | 0.7% | 14.5% | 20.2% |
| Aviation | 7.4% | 11.2% | 11.1% | 4.6% | 7.1%
| 11.8% | 5.0% | 5.4% | 8.3% | 4.3% |
| Health | 5.1% | 3.7% | 4.3% | 4.1% | 4.3%
| 6.4% | 6.1% | 7.8% | 8.8% | 10.0% |
| Personal accident | 5.0% | 3.6% | 3.0% | 1.4% | 4.9%
| 4.7% | 0.5% | 3.6% | 11.8% | 5.8% |
| Liability | 13.6% | 12.6% | 14.3% | 12.2% | 9.2%
| 10.6% | 6.9% | 5.7% | 11.2% | 13.0% |
| Other Misc. | -3.0% | -15.8% | -10.6% | -7.6% | -9.0%
| -3.8% | -2.8% | 10.5% | -0.9% | -1.7% |
| TOTAL | 3.9% | 1.6% | 3.9% | 5.0% | 4.5%
| 5.2% | 4.8% | 4.7% | 12.0% | 13.8% |
GENERAL INSURERS | Year | 2015-16 | 2016-17 | 2017-18 | 2018-19 | 2019-20 | 2020-21 | 2021-22 | 2022-23 | 2023-24 | 2024-25 |
| Fire | 8.6% | 6.2% | 4.1% | 6.6% | 0.5%
| 1.3% | -3.3% | -9.5% | -0.2% | 0.6% |
| Engg. | -2.0% | -2.3% | 3.1% | 1.3% | 4.5%
| 0.1% | 2.5% | -1.4% | -0.5% | 0.2% |
| Marine Cargo | 10.7% | 10.1% | 12.4% | 13.5% | 12.9%
| 13.3% | 13.6% | 14.4% | 17.1% | 17.1% |
| Marine Hull | -3.2% | -1.6% | 1.6% | 1.4% | 3.9%
| 1.4% | 0.5% | 0.5% | 0.3% | 2.5% |
| Motor OD | 6.7% | 6.2% | 14.5% | 17.0% | 17.6%
| 18.3% | 16.6% | 18.6% | 29.6% | 31.0% |
| Motor TP | -0.4% | -1.1% | -1.0% | 0.6% | 0.3%
| 0.3% | 0.5% | 0.7% | 14.5% | 20.2% |
| Aviation | 7.4% | 11.2% | 11.1% | 4.6% | 7.1%
| 11.8% | 5.0% | 5.4% | 8.2% | 4.3% |
| Health | 5.2% | 3.3% | 4.1% | 3.4% | 3.7%
| 5.9% | 4.6% | 3.6% | 5.9% | 6.7% |
| Personal accident | 5.1% | 3.6% | 2.9% | 0.9% | 4.6%
| 3.7% | -1.5% | 2.2% | 10.6% | 5.0% |
| Liability | 13.6% | 12.6% | 14.3% | 12.2% | 9.2%
| 10.6% | 6.9% | 5.7% | 11.2% | 13.0% |
| Other Misc. | 0.4% | -12.1% | -6.4% | -6.0% | -8.2%
| -4.9% | -2.6% | -7.3% | 0.0% | -1.1% |
| TOTAL | 4.3% | 2.2% | 4.6% | 5.4% | 4.7%
| 4.8% | 4.5% | 4.1% | 12.6% | 13.8% |
STANDALONE HEALTH INSURERS | Year | 2015-16 | 2016-17 | 2017-18 | 2018-19 | 2019-20 | 2020-21 | 2021-22 | 2022-23 | 2023-24 | 2024-25 |
| Health | 4.8% | 5.5% | 5.0%
| 6.3% | 6.0%
| 8.7% | 9.9% | 10.9% | 15.2% | 17.3% |
| Personal accident | 3.2% | 4.0% | 4.0% | 5.8% | 7.1%
| 13.9% | 14.1% | 13.3% | 21.8% | 11.8% |
| Other Misc. | 3.3% | - | 6.0% | - | - | - | - | - | - | - |
| TOTAL | 4.7% | 5.5% | 5.0% | 6.3% | 6.0%
| 9.0% | 10.0% | 11.0% | 15.4% | 17.2% |
SPECIALISED INSURERS | Year | 2015-16 | 2016-17 | 2017-18 | 2018-19 | 2019-20 | 2020-21 | 2021-22 | 2022-23 | 2023-24 | 2024-25 |
| Other Misc. | -6.8% | -23.1% | -22.9% | -12.6% | -11.3%
| -2.4% | -3.0% | -1.7% | -2.8% | -3.1% |
Source: IRDAI reports and Council Compilation
