Whalesbook
Toh bhaiyo aur behno, baat yeh hai ki India mein car insurance companies ki thodi tension badh gayi hai. Kyuki ab jo gaadiyan road pe hain na, woh pehle jaisi simple nahi rahiin. Smart tech, ADAS systems, aur khaas kar ke electric vehicles (EVs) ke repairs itne costly ho gaye hain ki claim amount seedha upar ja raha hai.
Tech Ka Keher!
Simple damage bhi ab complicated ho gaya hai. Modern cars mein sensors, complex electronics hote hain, jinko repair karna ya badalna bahut paisa mangta hai. Agar aap standard gaadi ki baat karein toh claim abhi ₹35,000 se ₹40,000 tak ja raha hai, aur premium cars mein toh yeh ₹1.5 lakh se ₹1.8 lakh tak pahunch raha hai!
EV Ka Alag Hi Scene Hai!
Aur EV toh ek alag hi level pe hai. Battery hi gaadi ki total cost ka 35% se 50% hoti hai. Chhote mote accident mein bhi agar battery ko kuch ho gaya toh repair bill imagine kar lo! Plus, India mein EV repair ke liye specialized workshops aur skilled log abhi bhi kam hain, toh yeh bhi cost badha raha hai.
Mehengai Aur Badhti Claims
Upar se duniya bhar ki inflation, supply chain issues ne auto parts ke price ko bhi 8% se zyada badha diya hai. Labour cost bhi badhi hai. Gallan ye hai ki gaadi ke parts milne mein bhi average 1.5 days extra lag rahe hain.
Kon Kon Hai Is Race Mein?
Is game mein sabse zyada stress mein hai ICICI Lombard jaise bade players, SBI General Insurance, HDFC ERGO, Bajaj Allianz aur Go Digit bhi. Go Digit ka toh motor OD loss ratio kaafi kharab hua hai pichle do saal mein. Competition itna hai ki log price kam rakh rahe hain, profit se zyada market share pe focus hai.
Aage Kya Hoga?
Motor insurance premiums toh badh rahe hain, lekin us speed se nahi jitni claims ki cost badh rahi hai. Third-Party (TP) insurance ke rates toh saalon se badhe nahi hain, aur claim cost 8-12% per year se badh rahi hai. Ab sunne mein aa raha hai ki government 18% se 25% tak TP premiums badhane par विचार kar rahi hai taaki insurers thoda rahat mein aa sakein.
Aur is sab ka bojh ultimately policy holders par aa sakta hai. Deductibles, depreciation lagne se customer ko bhi accident cost ka 20% se 40% khud uthana pad sakta hai.
Future ki baat karein toh general insurance sector ki GWP toh saal mein 8% se 14% tak badhne ki umeed hai, lekin profitability aaram aaram se sudharegi. Insurance companies ab smart pricing aur underwriting pe zyada dhyan de rahi hain.