Guides and data

Every guide, table and calculator on the site

134 pages, grouped by what you came to do: check an insurer against IRDAI's own figures, deal with a claim, size a cover, or read up before a renewal.

Watch

Anyone can place a policy. The claim is the job.A 48-second film, in English and Hindi, with the whole script on the page.

History

Four thousand years of keeping each other safeInsurance in India and the world, 1750 BC to today: 51 events on a globe, each with its published source.

Figures from IRDAI, each with its source

Claim settlement ratio of insurance companiesGeneral and life insurers, with the study period on every figure.
Solvency ratio of insurance companiesQuarterly from March 2015, against IRDAI's minimum of 1.50.
Insurance complaints by insurerRanked per 10,000 claims paid rather than by raw count.
Incurred claim ratio of health insurersClaims against premium for every health and personal accident insurer, group and retail apart.
Market share by insurer and lineWho writes the most fire, marine, motor and health insurance, with ten years of the market.
Insurance Ombudsman outcomes by centreHow fast each centre closes complaints, and how awards fall.
IRDAI Handbook on Indian Insurance StatisticsWhere to download it, every table in it, and which we publish as pages.
Policy wordings of every general insurance productIRDAI's product register by insurer: UIN, approval date and wording PDF.
Insurance data for journalistsThe current story in the figures, how to credit them, and who to call.
India insurance statisticsInsurers, products and add-ons counted from IRDAI's registers.
The tables above as CSV, with the source on every row: settlement ratios, solvency, complaints, incurred claims, market share.

When a claim goes wrong

Claim rejected: is it worth fighting?Five questions, and an honest answer when the insurer is right.
Claim letters and checklistThe intimation letter, the section 16 carrier notice, and the surveyor checklist.
The agreed bank clauseWhat a lender's clause on a fire policy does to who gets paid.
Fire policy wordings comparedWhere insurers' wordings actually differ.
Claims DeskOur claims arm: claims run end to end, including on policies placed elsewhere.

Cargo and transit

ITC and ICC marine cargo clausesWhich clause your consignment is on, and what each covers.
Marble Transit Insurance in India: Cover That Pays for Chipped SlabsWhy ITC-B does not pay for a chipped marble slab, what Kishangarh traders should insure on instead, and what a transit claim on stone actually turns on.
Granite Transit Insurance India: Blocks, Slabs and Export MovementsInsuring granite blocks and slabs in transit: which clause set applies, what goes wrong on quarry and port movements, and what a claim turns on.
Textile Transit Insurance India: Yarn, Fabric and Export ConsignmentsInsuring yarn and fabric in transit: why water damage decides most textile claims, which clause set applies, and how export consignments should be covered.
Chemical Transit Insurance India: Cargo, Spillage and Public LiabilityInsuring chemicals in transit: the cargo policy, the separate liability the Public Liability Insurance Act 1991 imposes, and what a spillage claim involves.
Cement Transit Insurance: Rain, Torn Bags and ShortageWhy rain-wetted cement is not covered under ITC-B, what covers torn bags and short delivery, and how to insure a continuous despatch from Rajasthan's plants.
Transit Insurance for Mustard, Guar and Farm ProduceTransit cover for mustard, guar, cumin and other farm produce: moisture, shortage, the exclusions that decide these claims, and the export leg.
Machinery Transit Insurance: Heavy and ODC CargoTransit cover for heavy machinery and over-dimensional cargo: loading by crane, the replacement clause that pays by the part, delay, and imported machines.

By trade

Marine Insurance for Textile ExportersMarine cargo cover for Indian textile exporters: ICC clauses, CIF vs CIP under Incoterms 2020, and why the buyer's policy rarely protects the seller.
Business Interruption Insurance for ManufacturersGross profit cover for Indian manufacturing plants: indemnity period, the material damage proviso, and why most BI sums insured are set too low.
Workmen Compensation for Construction CompaniesEmployees Compensation cover for Indian construction firms: statutory liability, contractor and sub-contractor exposure, and where CAR policies stop.
Cyber Insurance for IT & Software CompaniesCyber cover for Indian IT and software firms: DPDP Act exposure, third-party liability to clients, and why professional indemnity and cyber overlap.
Group Medical Cover for Hospitals & Nursing HomesGroup health and statutory employee cover for Indian hospitals: experience rating, room-rent sub-limits, and the professional liability that sits alongside.
Machinery Breakdown Cover for Pharmaceutical PlantsMachinery breakdown and deterioration of stock cover for Indian pharma manufacturing: the fire-policy gap, cold chain, and validated equipment.
DPDP Act Compliance and Cyber Insurance for SMEsWhat the DPDP Act and Rules require of an Indian business by 13 May 2027, what a breach now costs, and which parts cyber insurance can and cannot carry.
Bima Sugam and Business Insurance: What It ChangesIRDAI's Bima Sugam marketplace opens with motor, health and term life. What it means for a business buyer, and why fire, marine and liability sit outside it.
Professional Indemnity Insurance for Doctors in IndiaMedical indemnity for Indian doctors and clinics: why consumer commissions hear negligence claims, and what a policy must pay for beyond damages.
Professional Indemnity Insurance for CAs in IndiaPI cover for CAs and audit firms: auditor liability under the Companies Act, class actions under section 245, tax-filing errors, and what a policy must cover.
PI Insurance for Architects and Engineers in IndiaPI cover for architects and engineers: the five-year defect liability RERA puts on promoters, how it reaches the designer, and why CAR cover does not.
Textile Mill Insurance in BhilwaraInsurance for Bhilwara spinning, weaving, processing and texturising units: fire and stock on a declaration basis, machinery breakdown, workmen compensation and transit cover.
Marble Quarry & Processing Insurance, RajsamandInsurance for Rajsamand marble quarries and processing units: plant and machinery, contractors plant, workmen compensation at the face, public liability and transit cover for dimensional stone.
Wedding and Event Insurance in UdaipurWedding and event insurance for Udaipur: cancellation cover for families, liability for venues and planners, and the venue contract clauses to read first.
Jewellers Block Insurance in JaipurJewellers block insurance for Jaipur's gem and jewellery trade: premises, custody, angadia transit and exhibitions, and the stock records a claim is paid on.
Insurance for Mine and Plant Contractors, RajasthanThe insurance a contractor needs to work at a Rajasthan mine or plant: workmen compensation, why principals demand it, plant, vehicles and liability.
Marine Insurance for Jodhpur Handicraft ExportersMarine cargo cover for Jodhpur furniture and handicraft exporters: breakage, the packing and inherent vice exclusions, the inland leg, and buyer default.
Group health insurance for a small business

By city

Insurance Advisor in UdaipurIRDAI-registered insurance advisor in Udaipur, Rajasthan. Business and personal cover, free policy reviews and claims support for Udaipur families and firms.
Insurance Broker for Jaipur BusinessesIndependent insurance broking for Jaipur firms: factory, marine, liability and employee cover, placed across India's insurers by a Rajasthan advisory.
Insurance Broker for Mumbai BusinessesIndependent broking for Mumbai firms: marine cargo, liability, property and employee benefits, placed and defended across India's insurers since 2004.

Calculators

Sum Insured Calculator for Indian FactoriesWork out the fire sum insured your building, plant and stock need, and see what the average clause takes off an under-insured claim.
Diwali Stock Check: Is Your Peak Stock Insured?Stock peaks before Diwali, and a fire policy set on your usual stock pays a claim in proportion. Check your festive peak against your sum insured.
Business Interruption Calculator, IndiaSize a business interruption sum insured on the gross profit basis: annual gross profit, a realistic indemnity period, and growth uplift.
Workmen Compensation Calculator, IndiaDeath and permanent disablement compensation per worker under the Code on Social Security, 2020, with the Schedule age factor.
Gratuity Calculator for Indian EmployersAccrued gratuity per employee under the 15/26 formula in the Code on Social Security, 2020, and the liability already on your books.
Marine Cargo Insurance Calculator, IndiaSize a marine transit programme from consignment values and dispatch frequency, and see whether an open policy or voyage cover fits.
IDV Calculator for Car and Bike InsuranceIDV calculator for a car or bike: the insured declared value from age and showroom price, and what a lower IDV quietly costs at claim time.
Human Life Value Calculator for Term CoverHow much term cover your family actually needs: income replacement to retirement, plus outstanding loans, less the cover you hold.

Asking for a quote

Professional Indemnity Insurance Quote, IndiaProfessional indemnity quotes for Indian practices. What drives the premium, what we need from you, and why the retroactive date matters more than price.
Group Health Insurance Quote for Small FirmsGroup mediclaim for an Indian company of any size. What drives the premium, the room rent trap that halves claims, and what we need to quote you properly.
Public Liability Insurance Quote in IndiaPublic liability cover for Indian premises and operations, including the statutory policy under the Public Liability Insurance Act 1991.
Marine Cargo Insurance Cost and Quote, IndiaWhat actually sets a marine cargo rate for Indian exporters and traders, why no honest broker quotes it off a table, and how to get real terms the same day.
Shopkeeper Insurance Policy Quote in IndiaOne policy covering shop stock, fittings, cash, plate glass and customer liability. What drives the premium and what we need to quote your shop today.
Fire and Burglary Insurance Quote for FactoriesFire and burglary cover for Indian factories and warehouses. What drives the premium, why the sum insured matters more than the rate, and how to get quoted.
Workmen Compensation Policy Quote in IndiaEmployer liability cover under the Code on Social Security, 2020. The statutory exposure per worker, and what drives the premium.
Office Insurance Package Policy Quote, IndiaOne policy for an Indian office: fire, burglary, electronic equipment, money and liability. What drives the premium and what your lease probably requires.

Guides

Claim guides

Comparisons

Explained

What drives the cost

In Hindi, and the assistant

बीमा हिंदी मेंInsurance explained in Hindi.
कानूनी बीमा दायित्वStatutory insurance duties, in Hindi.
क्लेम सेटलमेंट रेशियोEvery insurer's claim settlement ratio from IRDAI, in Hindi.
बीमा कंपनियों का सॉल्वेंसी रेशियोEvery insurer against IRDAI's 1.50 floor, in Hindi.
किस बीमा कंपनी की सबसे ज़्यादा शिकायतेंComplaints per 10,000 claims paid, in Hindi.
व्यावसायिक क्षतिपूर्ति बीमाProfessional indemnity for doctors, CAs and designers, in Hindi.
Raksha AIFree insurance answers in English or Hindi.
AI in Indian insuranceA practitioner's account.
Renewal reminderComparison quotes brought 30 days before renewal.

How we work

Editorial standardsWhere the figures come from and how pages are checked.
Three-insurer comparison
The advisors
All calculators
All notes