Financial Year 2012-13 (27 MB) - The New India Assurance Co. Ltd.

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Leadership and Beyondextremely specialized and niche area too, driven by strong Aviation department at Head Office. The company notonly does domestic business but also accepts inward reinsurance business from all over the world.In this year 2012-13, the company achieved a net premium income of `78.82 crore, showing a growth of 106%.The department generated a profit of `77 crore.In India, the company is the lead insurer for the national carrier Air India and it either leads or participates in all theairlines’ insurances in the country. It also has been the preferred insurer for India’s largest helicopter charter companyPawan Hans and the principal Aviation R&D organization, HAL, apart from the largest and most prestigious flyingschool, the Indira Gandhi Rashtriya Udan Academy. The company, with it’s ‘A-rating’ and underwriting experience,is also a preferred reinsurer for more than 200 international airlines including some of the most famous names likeLufthansa and British Airways.Aviation insurance is a highly volatile ecosystem with losses having disproportionately high chance of attainingcatastrophic dimensions and in view of this reality, the company’s underwriting philosophy is basically conservative.The objective will continue to be careful and responsible underwriting.Auto Tie-UpThe company has entered into tie-ups with leading automobile manufacturers which includes Maruti Udyog, HyundaiMotors, Ford India, Chevrolet Motors and Honda Motorcycles and Scooters India Ltd. Apart from these, more than1500 dealers of private cars, two wheelers and commercial vehicles have tied up with New India offices enablingthe company to capture business emanating from sale of new vehicles and renewals thereof.The Company has opened 23 specialised offices to impart focused services to the customers which includes fasterand hassle free settlement of claims. The company has also extended the facility of ‘Dealer Portal’ to issue onlinepolicies at Dealer point which enables the Auto Dealers to issue online Motor Policies at their door steps.The company is in the process of entering into more tie-ups with Automobile Manufacturers and Auto Dealers inthe coming financial year which will generate more volumes with cashless services to the customers.Motor Own Damage (O.D.)During the year Motor O.D. registered growth of 22.5% against the previous years 18.5%. The premium growth inthis segment for the company is more than that of industry average. On gross basis Motor OD ICR for Indianbusiness has been brought down from 57.7% to 48%. Claim disposal ratio also has gone above 93%.With the objective of faster settlements and better service to customers, the initiative of centralized settlementthrough service hubs continued. 36 more offices have been brought under service hubs. There are 37 ServiceHubs covering 418 offices.Motor Third Party (TP):The Motor TP premium recorded a steady growth of over 25% during the year thanks also to increased premiumof Commercial vehicles.Additional TP Hubs were formed for standardization of claims handling and controlling the losses. The TP Hubstotalled 45 by the year end. TP Hubs in-charge meeting was held for review of their performance and to addresstheir problems. On gross basis, reduction in the incurred claim ratio of approximately 7% (for TP & TP pool overall)has been achieved.ANNUAL REPORT39
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Leadership and BeyondviiiImpairment
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Leadership and BeyondThe Company is
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Leadership and BeyondFor a portfoli
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Leadership and BeyondThe Company cl
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Leadership and Beyondmarket risk po
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Leadership and Beyondix)Sensitivity
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Leadership and Beyondxii)investment
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Leadership and Beyondxiv)xv)xvi)•
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Leadership and BeyondStatement of f
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Leadership and Beyond31 December 20
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Leadership and Beyond1 January 2011
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Leadership and Beyond(e) Financial
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Leadership and BeyondPlant &Machine
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Leadership and Beyond2012N'0002011N
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Leadership and BeyonddDeferred tax
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Leadership and Beyond1 January2012R
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Leadership and BeyondFire GeneralAc
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Leadership and BeyondNOTES TO THE F
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Leadership and Beyond38(a) Profit b
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Leadership and BeyondCategory Male
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Leadership and Beyond(c) The Compan
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Leadership and BeyondReconciliation
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Leadership and Beyond43. Analysis o
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Leadership and Beyond44. Contingenc
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Leadership and Beyondd) Reconciliat
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Leadership and Beyonde) Reconciliat
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Leadership and BeyondPreviousGAAPEf
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Leadership and BeyondPRESTIGE ASSUR
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Leadership and BeyondPRESTIGE ASSUR
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Leadership and BeyondTHE NEW INDIA
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Leadership and BeyondTHE NEW INDIA
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Leadership and BeyondC. SUBSIDIARY
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Financial Year 2012-13 (27 MB) - The New India Assurance Co. Ltd.

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