Applicable from 06/06/2022 - Till Further communication

East Zone defined States - OR

Product
Product Policy Type Insurer Deal On Deal
Category
National, New India, Oriental, United, Universal,
OD 1.95x
SBI, Digit(HEV), Magma, Edelweiss

Kotak, Raheja, Reliance, Shriram(Petrol), Digit

OD 2.3x
(Non-HEV) (Petrol)

RSA (Petrol with NCB)(Non- HEV) OD 2.5x

RSA (Petrol without NCB)(Non- HEV) OD 2.2x
RSA (Diesel with NCB)(Non- HEV) OD 1.9x
COMP
RSA (Diesel without NCB)(Non- HEV) OD 1.3x
Digit (Non-HEV) (Diesel) OD 1.9x
ICICI OD 2.1x
IFFCO OD 2.6x
Liberty, Future OD 2.8x
Chola OD 3.0x
Bajaj OD 4.0x

National, New India, Oriental, United, Universal,

SBI, Digit (HEV), Kotak, Magma, Edelweiss, OD 1.95x
IFFCO, Chola

Bajaj OD 1.3x
RSA (Petrol with NCB)(Non- HEV) OD 2.5x
Car All
RSA (Petrol without NCB)(Non- HEV) OD 2.2x
SAOD RSA (Diesel with NCB)(Non- HEV) OD 1.9x
RSA (Diesel without NCB)(Non- HEV) OD 1.3x
ICICI OD 2.1x
Digit (Non-HEV) (Diesel) OD 1.9x
Raheja, Reliance, Shriram(Petrol), Digit (Non-
OD 2.3x
HEV) (Petrol)
Future, Liberty OD 2.8x

National, New India, Oriental, United, Universal,

SBI, Shriram, ICICI, Digit (Diesel), Magma, Net 0.25x
Liberty, Raheja, Reliance(Diesel)

RSA (Petrol) (>1500cc) Net 4.1x

RSA (Diesel) (>1500cc) (Upto 10 Yrs) Net 2.6x
RSA (Petrol) (1000-1500cc) Net 1.6x
TP
Navi (Petrol) Net 2x
Bajaj Net 0.8x
IFFCO Net 1.3x
Chola, Future (Diesel), Edelweiss Net 1.9x
Digit (Petrol), Kotak, Reliance(Petrol) Net 2.3x
Future(Petrol) Net 2.8x

National, New India, United, Universal, Oriental,

OD 1.75x
SBI, Shriram, Reliance, Liberty, Magma

IFFCO Net 1.1x

COMP Chola, Kotak, Edelweiss Net 1.9x
Bajaj Net 3x
 Digit Net 2.3x
Future, Raheja Net 2.8x

National, New India, United, Universal, Oriental,

OD 1.75x
SBI,Shriram, Reliance, Liberty, Magma, Future

IFFCO OD 1.1x
TW (Bike) All SAOD Chola, Kotak, Edelweiss OD 1.6x
Bajaj OD 1.8x
Digit OD 2.3x
Raheja OD 2.8x

National, New India, United, Universal, Oriental,

Net 0.25x
SBI, Shriram, Liberty, Magma, Digit, Bajaj

Navi Net 2.3x

TP IFFCO Net 1.1x
Kotak, Edelweiss Net 1.8x
Chola Net 2.2x
Future, Raheja Net 2.8x
National, New India, United, Universal, Oriental,
OD 1.75x
SBI, Shriram, Liberty
IFFCO Net 1.1x
Kotak, Edelweiss, Magma (OLD) Net 1.8x
COMP
Chola, Reliance, Future, Digit, Magma (New) Net 2.7x

Bajaj Net 3x
Raheja Net 3.3x
National, New India, United, Universal, Oriental,
OD 1.75x
SBI, Shriram, Liberty, Future
Iffco OD 1.1x

TW (Scooter) All SAOD Chola, Kotak, Edelweiss, Magma (OLD), Bajaj OD 1.7x

Reliance OD 2.3x
Digit, Magma (New) OD 2.8x
Raheja OD 3.3x
National, New India, United, Universal, Oriental,
Net 0.25x
SBI, Shriram, Liberty, Bajaj
RSA (Bhubneshwar) Net 0.8x

TP Navi Net 3.5x

IFFCO Net 1.1x
Kotak, Edelweiss, Magma Net 1.8x
Chola, Reliance , Future, Raheja, Digit Net 2.7x

TW (EV) All COMP/TP/SAOD Bajaj Net 2.3x

Reliance Net 2.7x

Digit Net 0.9x
Magma, Chola Net 3.1x
Comp
Shriram Net 3.7x
Future Net 4.2x
Edelweiss Net 4.7x
3W
Reliance Net 2.7x
Digit Net 0.4x
Magma, Chola, Liberty Net 3.1x
TP
 TP
Shriram Net 3.7x
Future Net 4.2x
Edelweiss Net 4.7x
Reliance, Shriram Net 2.8x
Rsa (0 to 2T) (upto 4 Yrs) Net 3.3x
Rsa (0 to 2T) (above 5T) Net 4.8x
Rsa (2 to 2.5T) (5 to 10 Yrs) Net 1.3x
Rsa (2 to 2.5T) (above 10 Yrs) Net 1.8x
Magma (Public) Net 3.2x
Comp
Magma (Private) Net 1.7x
IFFCO Net 1.5x
Future, Digit (Tata & Maruti) Net 4.2x
Digit (Other Makes) Net 3.8x
Chola, Edelweiss (Others Makes) Net 4.8x
Upto 2.5 T (4W)
Edelweiss (M&M) Net 5.0x
Reliance, Shriram, Liberty Net 2.8x
Magma (Public) Net 3.2x
Magma (Private) Net 1.7x
Rsa (0 to 2T) Net 5.0x
Rsa (2 to 2.5T) Net 3.1x
TP
IFFCO Net 1.5x
Navi, Future, Digit (Tata & Maruti) Net 4.2x
Digit (Other Makes) Net 4.0x
Chola, Edelweiss (Others Makes) Net 4.8x
Edelweiss (M&M) Net 5.0x
Shriram, Chola Net 2.8x
Magma (Public) Net 3.2x
Magma (Private) Net 1.7x
Digit (Tata & Maruti) Net 4.2x
Comp
IFFCO Net 1.5x
Future Net 4.3x
Edelweiss (Others Makes) Net 4.8x
Edelweiss (M&M) Net 5.0x
Shriram, Liberty, Chola Net 2.8x
2.5T - 3.5 T (4W) Rsa (2.5 to 3T) Net 2.3x
Rsa (3 to 7T) Net 1.6x
IFFCO Net 1.5x
Magma (Public) Net 3.2x
TP Magma (Private) Net 1.7x
Digit (Tata & Maruti) Net 4.2x

GCV Future Net 4.3x

Navi Net 4.5x
Edelweiss (Others Makes) Net 4.8x
Edelweiss (M&M) Net 5.0x
Digit Net 0.9x
Magma (Public) Net 1.9x
Comp Magma (Private) Net 1.4x
 Chola Net 3.2x
IFFCO Net 1.4x
Digit Net 1.4x
3.5 T - 7.5 T Magma (Public) Net 1.9x
Magma (Private) Net 1.4x
Chola Net 3.2x
TP
Edelweiss, RSA Net 2.2x
IFFCO Net 1.4x
Liberty Net 2.7x
Navi Net 2.9x
Shriram Net 1.3x
Rsa (7 to 12T) (Only TP) Net 2.9x
7.5 T - 12 T Comp/TP IFFCO Net 1.4x
Magma (Public),Chola Net 1.9x
Magma (Private) Net 1.4x
Shriram Net 1.4x
Digit (Upto 5 Yrs) Net 0.7x
Comp Digit (Over 5 Yrs) Net 1.3x
Magma (Public),Chola Net 2.0x

12 T -20 T Magma (Private) Net 1.5x

Digit (Upto 5 Yrs) Net 0.7x
RSA, Liberty, Digit (Over 5 Yrs) Net 2.5x
TP
Magma (Public),Chola Net 2.0x

Magma (Private), Shriram Net 1.5x

Shriram, Digit Net 1.3x

Chola Net 2.0x
Comp
Magma (Private) Net 1.8x
Magma (Public) Net 2.3x
Shriram, Edelweiss Net 1.3x
20 T- 40 T RSA Net 2.5x
Chola Net 2.0x
TP Digit (Upto 5 Yrs) Net 0.8x
Digit (Over 5 Yrs) Net 2.5x
Magma (Private) Net 1.8x
Magma (Public), Liberty Net 2.3x
Magma (Public) Net 1.0x
Magma (Private) Net 0.5x
Comp
Digit (Upto 5 Yrs) Net 0.4x
Digit (Over 5 Yrs) Net 0.8x
Above 40 T
Magma (Public) Net 1.0x
Magma (Private) Net 0.5x
TP
Digit (Upto 5 Yrs) Net 0.7x
Digit (Over 5 Yrs) Net 1.5x
Magma Net 2.3x
Digit (Upto 5 Yrs) Net 2.3x
Comp
Digit (Over 5 Yrs) Net 1.0x
 Chola Net 2.6x
Agricultural Tractor All
Magma Net 2.3x
Digit (Upto 5 Yrs) Net 1.3x
TP
Digit (Over 5 Yrs) Net 2.3x
Chola Net 2.6x

Tractor (Kisan Suvidha) All Comp/TP Iffco Net 2.5x

Reliance Net 2.2x

Chola Net 2.0x
Comp Digit Net 1.5x
Liberty (Tractor) Net 3.5x
MiscD CE All Bajaj Net 1.3x
Digit Net 1.7x
Chola Net 2.0x
TP
Liberty (Tractor) Net 3.5x
Reliance Net 2.5x
Shriram, Chola Net 6.3x
Reliance, Bajaj Net 5.9x
School Bus All Comp/TP
Digit Net 5.5x
Edelweiss Net 6.5x
Shriram, Chola Net 4.5x
Staff Bus All Comp/ TP Digit Net 5.0x
Reliance Net 5.5x
Passenger Bus All Comp/ TP Iffco Net 1.0x
Magma Net 2.2x
RSA (3+1) Net 0.6x
Comp Bajaj (Petrol & CNG) Net 2.9x
Shriram, Digit (Petrol & CNG) Net 3.4x
Future, Edelweiss Net 4.7x
PCV (3W)-Autorikshaw All
Magma Net 2.2x
RSA (3+1) Net 0.9x
TP Liberty, Bajaj (Petrol & CNG) Net 2.9x
Shriram, Digit (Petrol & CNG) Net 3.4x
Future, Edelweiss Net 4.7x
Shriram Net 1.8x
E-Rickshaw All Comp/TP Bajaj Net 2.8x
Digit Net 2.3x
Flat beds All Comp/TP Reliance Net 2.0x
Digit (upto 5 seater) Net 1.4x
PCV (4W)- Taxi All Comp/TP Shriram, Reliance (7-11 Seater) Net 1.6x
Reliance (upto 6 seater) Net 3.8x

Applicable from 06/06/2022 - Till Further communication

East Zone defined States- WB (Kolkata, RoWB)
Product
Product Policy Type Insurer Deal On Deal %
Category
National, New India, Oriental, United, Universal,
OD 1.95x
SBI, Digit (HEV), Edelweiss
 Kotak, Raheja, Reliance, Shriram, Digit (Non-
OD 2.3x
HEV) (Petrol)
RSA (Petrol with NCB)(Non- HEV) OD 2.5x
RSA (Petrol without NCB)(Non- HEV) OD 2.2x
RSA (Diesel with NCB)(Non- HEV) OD 1.9x
RSA (Diesel without NCB)(Non- HEV) OD 1.3x
COMP
Digit (Non-HEV) (Diesel) OD 1.9x
ICICI OD 2.1x
IFFCO OD 2.6x
Liberty, Future OD 2.8x
Chola OD 3.0x
Bajaj OD 4.0x
Magma OD 3.3x
National, New India, Oriental, United, Universal,
SBI, Digit (HEV), Kotak, Edelweiss, IFFCO, OD 1.95x
Chola
RSA (Petrol with NCB)(Non- HEV) OD 2.5x
RSA (Petrol without NCB)(Non- HEV) OD 2.2x
RSA (Diesel with NCB)(Non- HEV) OD 1.9x
RSA (Diesel without NCB)(Non- HEV) OD 1.3x
SAOD
ICICI OD 2.1x

Car All Bajaj OD 1.3x

Digit (Non-HEV) (Diesel) OD 1.9x
Raheja, Reliance, Shriram, Digit (Non-HEV)
OD 2.3x
(Petrol)
Future, Liberty OD 2.8x
Magma OD 3.3x

National, New India, Oriental, United, Universal,

SBI, Digit(Diesel), Magma, Raheja, Shriram, Net 0.25x
Liberty (RoWB), ICICI
RSA (Petrol) (>1500cc), RSA (Kolkata) (Diesel)
(>1500cc) (Up to 10 Yrs), RSA (1000-1500cc)
Net 4.3x
(Petrol), RSA (Kolkata) (Upto-1000cc) (Petrol)
(Up to 10 Yrs)
RSA (RoWB) (Upto-1000cc) (Petrol) (Up to 10
Net 2.8x
Yrs)
RSA (RoWB) (Diesel) (>1500cc) (Up to 10 Yrs) Net 3.1x
TP
RSA (1000-1500cc) (Diesel) (Up to 10 Yrs) Net 2.2x

IFFCO Net 1.3x

Reliance(Diesel) Bajaj (Others)(Kolkata) Net 1.0x

Chola, Future (Diesel), Edelweiss, Navi (Petrol) Net 1.9x

Kotak, Bajaj (Petrol)(Kolkata) Net 2.3x

Future (Petrol), Reliance (Petrol), Bajaj (RoWB) Net 2.8x

Digit (Petrol) , Liberty (Kolkata) Net 3.3x

National, New India, United, Universal, Oriental,
OD 1.75x
SBI, Shriram, Reliance
IFFCO Net 1.0x

COMP Chola, Kotak, Edelweiss Net 1.8x

Future Net 2.8x
 Bajaj Net 3.0x
Liberty, Digit (<155cc) (1+1) , Magma Net 3.3x

National, New India, United, Universal, Oriental,

OD 1.75x
SBI, Shriram, Reliance, Future
SAOD Chola, Kotak, Edelweiss, IFFCO OD 1.6x

TW (Bike) All Bajaj OD 1.8x

Liberty, Digit OD 3.3x

National, New India, United, Universal, Oriental,

Net 0.25x
SBI, Shriram, Reliance, Liberty (RoWB)

IFFCO Net 1.0x

Kotak, Edelweiss Net 1.8x
TP Chola, Navi Net 2.3x
Bajaj Net 2.6x
Digit (<155cc) Net 3.6x
Future Net 2.8x
Liberty (Kolkata), Magma Net 3.2x
National, New India, United, Universal, Oriental,
OD 1.75x
SBI, Shriram
Reliance (RoWB), IFFCO Net 1.0x
Kotak, Edelweiss, Net 1.8x
COMP Chola, Future Net 2.8x
Bajaj Net 3.0x

Reliance (Kolkata), Liberty , Raheja, Magma Net 3.3x

Digit Net 3.8x

National, New India, United, Universal, Oriental,

OD 1.75x
SBI, Shriram, Reliance (RoWB), Future

IFFCO OD 1.0x
SAOD
TW (Scooter) All Chola, Kotak, Edelweiss, Bajaj OD 1.8x
Reliance (Kolkata), Liberty , Raheja OD 3.3x
Digit OD 3.8x

National, New India, United, Universal, Oriental,

Net 0.25x
SBI, Shriram, Liberty (RoWB)

IFFCO Net 1.1x

Reliance (RoWB), Kotak, Edelweiss Net 1.8x

TP Chola, Future Net 2.7x

Reliance (Kolkata), Raheja, Magma, Navi Net 3.3x

Bajaj Net 2.6x

Digit Net 4.1x
Liberty (Kolkata) Net 4.3x
TW (EV) All COMP/TP Bajaj Net 3.8x
Reliance, Digit Net 2.8x
Bajaj (Kolkata) Net 3.3x
Bajaj (RoWB) Net 3.8x
Comp
Chola, Liberty, Shriram, Future Net 4.2x
Magma Net 4.5x
Edelweiss Net 5.0x
3W
 3W
Digit Net 2.3x
Reliance, Bajaj (Kolkata) Net 2.8x
Bajaj (RoWB) Net 3.8x
TP
Chola, Shriram, Future Net 4.2x
Magma Net 4.5x
Edelweiss Net 5.0x
RSA (Kolkata) (0 to 2T) (upto 4Yrs), Edelweiss
Net 4.8x
(Other Makes)
RSA (RoWB) (0 to 2T) (upto 4Yrs) Net 3.3x
RSA (0 to 2T) (Above 5Yrs) Net 4.8x
RSA (Kolkata) (2 to 2.5T) (upto 4Yrs) Net 1.8x
RSA (2 to 2.5T) (5 to 10Yrs) Net 0.8x
RSA (2 to 2.5T) (above 10 Yrs) Net 1.8x
Shriram, Bajaj (RoWB) Net 3.2x
Comp Reliance, Bajaj (Kolkata) Net 3.6x
IFFCO Net 1.4x
Digit (Tata & Maruti) Net 2.7x
Digit (Others Makes) Net 2.9x
Liberty Net 3.9x
Magma (Public), Future, Chola Net 4.4x
Upto 2.5 T (4W)
Magma (Private) Net 2.9x
Edelweiss (M&M) Net 5.0x
Shriram, Bajaj (RoWB) Net 3.2x
Reliance, Bajaj (Kolkata), Liberty Net 3.6x
RSA (Kolkata) (0 to 2T) Net 4.1x
RSA (RoWB) (0 to 2T) Net 5.0x
RSA (Kolkata) (2 to 2.5T), Edelweiss (Other
Net 4.8x
Makes)
TP RSA (RoWB) (2 to 2.5T) Net 3.3x
IFFCO Net 1.4x
Digit Net 3.2x
Magma (Public), Navi, Future, Chola Net 4.4x
Magma (Private) Net 2.9x
Edelweiss (M&M) Net 5.0x
Bajaj Net 2.7x
Shriram Net 3.2x
Liberty Net 3.9x
IFFCO Net 1.4x
Comp Digit (Tata & Maruti) Net 2.7x
Magma (Public), Future Net 4.4x
Magma (Private) Net 2.9x
Edelweiss (Other Makes) Net 4.8x
Edelweiss (M&M) Net 5.0x
2.5T - 3.5 T (4W) RSA (Kolkata) (2.5 to 3T) Net 2.6x
RSA (RoWB) (2.5 to 3T) Net 1.9x
Bajaj Net 2.7x
IFFCO Net 1.4x
Shriram, Digit (Tata & Maruti) Net 3.2x
TP
 TP
GCV Liberty Net 3.5x
Magma (Public), Navi, Future Net 4.4x
Magma (Private) Net 2.9x
Edelweiss (Other Makes) Net 4.8x
Edelweiss (M&M) Net 5.0x
Magma (Public), Chola Net 2.1x
Magma (Private) Net 1.6x
Comp
IFFCO Net 1.4x
Liberty, Shriram Net 3.2x
RSA (Kolkata) (3 to 7T) Net 1.7x
RSA (RoWB) (3 to 7T) Net 1.4x
3.5 T - 7.5 T
IFFCO Net 1.4x
Magma (Public), Chola, Edelweiss Net 2.1x
TP
Magma (Private) Net 1.6x
Shriram Net 3.2x
Navi Net 2.8x
Liberty Net 3.5x
Shriram Net 1.5x
Digit Net 0.4x
Rsa (Kolkata) (7 to 12T) (TP) Net 3.4x
RSA (RoWB) (7 to 12T) (TP) Net 2.5x
7.5 T- 12 T Comp/TP
IFFCO Net 1.4x
Bajaj Net 1.7x
Magma (Private) Net 1.6x
Magma (Public), Chola Net 2.1x
Shriram Net 1.6x
Digit (Over 5 Yrs) (Comp) Net 1.0x
Digit (Over 5 Yrs) (TP) Net 2.0x
RSA (Only TP) Net 3.0x
12 T- 20 T Comp/TP
Reliance Net 0.25x
Chola, Bajaj Net 1.9x
Magma (Private) Net 1.7x
Magma (Public) Net 2.2x
Reliance Net 0.25x
Shriram Net 1.6x
Digit (2 to 5 Yrs) Net 1.0x
Comp
Digit (Over 5 Yrs) Net 1.4x
Magma (Private) Net 1.7x
Magma (Public), Chola Net 2.2x
Reliance Net 0.25x
Edelweiss Net 1.3x
20 T -40 T
RSA Net 3.0x
Shriram Net 1.6x
Magma (Public), Chola Net 2.2x
TP
Magma (Private) Net 1.7x
Liberty Net 2.7x
Digit (2 to 5 Yrs) Net 1.8x
 Digit (Over 5 Yrs) Net 2.5x
Bajaj (Kolkata) Net 3.3x
Reliance Net 0.25x
Magma (Public) Net 1.3x
Above 40 T Comp/TP Magma (Private) Net 0.8x
Digit Net 1.8x
Bajaj (Kolkata) (Only TP) Net 3.3x
Magma, Bajaj (Commercial Tractor) (Kolkata),
Bajaj (RoWB) (Only Comp) (Commercial Net 2.5x
Agricultural Tractor All Comp/TP Tractor)
Chola (WB) Net 1.9x
Digit Net 3.2x

Tractor (Kisan Suvidha) All Comp/TP Iffco Net 2.5x

Bajaj Net 1.3x

Comp Liberty (Tractor) Net 3.5x
Digit, Chola Net 2.0x
MiscD CE All Digit Net 1.5x
Chola Net 2.0x
TP
Liberty (Tractor) Net 3.5x
Reliance Net 2.5x
Shriram, Chola Net 6.3x
School Bus All Comp/TP Reliance, Bajaj Net 5.9x
Digit Net 5.5x
Shriram, Chola Net 4.5x
Bajaj (RoWB) Net 2.6x
Staff Bus All Comp/ TP Digit Net 5.0x
Reliance Net 5.5x
Edelweiss Net 6.5x
Passenger Bus All Comp/ TP Iffco Net 1.0x
Digit (Petrol & CNG) Net 2.7x
RSA (RoWB) (3+1) Net 0.6x
Rsa (Kolkata) (3+1) Net 3.9x
Comp
Magma, Future Net 4.2x
Shriram Net 4.7x
Bajaj (Petrol & CNG), Edelweiss, Chola
Net 4.9x
(Kolkata)
PCV (3W)-Autorikshaw All Liberty Net 3.0x
RSA (3+1) Net 0.9x
Rsa (Kolkata) (3+1) Net 3.9x

TP Digit (Petrol & CNG) Net 2.7x

Magma Net 4.2x
Shriram, Future Net 4.7x
Bajaj (Petrol & CNG), Edelweiss, Chola
Net 4.9x
(Kolkata)
Bajaj (RoWB) Net 3.8x
E-Rickshaw All Comp/TP Digit Net 4.5x
Shriram, Bajaj (Kolkata) Net 4.3x
Flat beds All Comp/TP Reliance Net 2.0x
 Shriram (7 to 10) Net 1.3x
Digit (Upto 5 Seater) (Diesel) Net 0.25x
Digit (Upto 5 Seater) (Petrol & CNG) Net 0.8x
Comp
Reliance (7-11 seater) Net 1.6x
Bajaj (Kolkata) Net 2.6x
Reliance (upto 6 seater), Shriram (6+1) Net 3.8x
PCV 4W All Shriram (7 to 10) Net 1.3x
Digit (Upto 5 Seater) (Diesel) Net 1.5x
Digit (Upto 5 Seater) (Petrol & CNG) Net 2.0x
TP Reliance (7-11 seater) Net 1.6x
Bajaj (Kolkata) Net 2.6x
Bajaj (RoWB) (Only TP) Net 3.3x
Reliance (upto 6 seater), Shriram (6+1) Net 3.8x

Applicable from 06/06/2022 - Till Further communication

East Zone defined States- North East (Sikkim, Nagaland, Meghalaya, Mizoram, Manipur, Tripura, Assam, Arunachal),

Product
Product Policy Type Insurer Deal On Deal %
Category
National, New India, Oriental, United, Universal,
SBI, Chola (North East Excl. Assam), Digit OD 1.95x
(HEV), Edelweiss, Shriram
Kotak, Raheja, Reliance, Digit (Non-HEV)
OD 2.3x
(Petrol), Chola (AS)
RSA (Petrol with NCB)(Non- HEV) OD 2.5x
RSA (Petrol without NCB)(Non- HEV) OD 2.2x
RSA (Diesel with NCB)(Non- HEV) OD 1.9x
COMP
RSA (Diesel without NCB)(Non- HEV) OD 1.3x
Digit (Non-HEV) (Diesel) OD 1.9x
ICICI OD 2.1x
IFFCO OD 2.6x
Liberty, Future OD 2.8x
Bajaj OD 4.0x
Magma OD 3.3x

National, New India, Oriental, United, Universal,

SBI, Chola (North East), Digit (HEV), Kotak, OD 1.95x
Edelweiss, IFFCO, Shriram

RSA (Petrol with NCB)(Non- HEV) OD 2.5x

RSA (Petrol without NCB)(Non- HEV) OD 2.2x
RSA (Diesel with NCB)(Non- HEV) OD 1.9x
Car All
SAOD RSA (Diesel without NCB)(Non- HEV) OD 1.3x
ICICI OD 2.1x
Bajaj OD 1.3x
Digit (Non-HEV) (Diesel) OD 1.9x

Raheja, Reliance, Digit (Non-HEV) (Petrol) OD 2.3x

Future, Liberty OD 2.8x

Magma OD 3.3x
 National, New India, Oriental, United, Universal,
SBI, ICICI, Digit(Diesel), Magma, Raheja,
Net 0.25x
Reliance (North East except Meghalaya),
Bajaj(North East), Shriram, Liberty

RSA (Excp. AR) (Petrol) (>1500cc) Net 3.6x

RSA (Excp. AR, AS) (Diesel) (>1500cc) (Up to
Net 2.5x
TP 10 Yrs)
IFFCO Net 1.3x
Digit(Petrol)(North East),
Net 1.0x
Reliance(Petrol)(Meghalaya),
Chola, Future (Diesel), Edelweiss, Navi (Petrol) Net 1.9x

Kotak Net 2.3x

Future (Petrol) Net 2.8x

National, New India, United, Universal, Oriental,

SBI, Shriram, Reliance (North East), Liberty OD 1.75x
(North East), Digit (Nagaland)

COMP IFFCO Net 1.0x

Chola, Kotak, Edelweiss, Digit (North East
Net 1.8x
except Nagaland), Magma (AS)
Bajaj Net 3.0x
Future Net 2.8x

National, New India, United, Universal, Oriental,

SBI, Shriram, Reliance (North East), Liberty ( OD 1.75x
North East), Digit (Nagaland), Future
SAOD
TW (Bike) All Chola, Kotak, Edelweiss, Digit (North East
OD 1.6x
except Nagaland), IFFCO
Bajaj OD 1.8x

National, New India, United, Universal, Oriental,

SBI, Shriram, Reliance (North East), Bajaj Net 0.25x
(North East), Digit (Nagaland)

IFFCO Net 1.0x

TP Kotak, Edelweiss, Magma (AS) Net 1.8x

Chola, Digit (North East except Nagaland), Navi Net 2.3x

Future Net 2.8x

Liberty (North East) Net 3.2x

National, New India, United, Universal, Oriental,

SBI, Shriram, Reliance (North East), Liberty OD 1.75x
(North East), Digit (Nagaland)

IFFCO Net 1.0x

COMP Kotak, Edelweiss, Digit (North East except
Net 1.8x
Nagaland), Magma (AS)
Chola,Future Net 2.8x
Bajaj Net 3.0x
Raheja Net 3.3x
National, New India, United, Universal, Oriental,
SBI, Shriram, Reliance, Liberty, Digit OD 1.75x
(Nagaland), Future
TW (Scooter) All SAOD IFFCO OD 1.0x
Chola,Kotak, Edelweiss, Digit (North East
OD 1.8x
except Nagaland), Bajaj
Raheja OD 3.3x
 National, New India, United, Universal, Oriental,
Net 0.25x
SBI, Shriram, Digit (NL)
IFFCO Net 1.1x
Kotak, Edelweiss, Magma (AS) Net 1.8x
TP Chola, Reliance , Future, Digit (North East
Net 2.7x
Except Nagaland)
Raheja, Navi Net 3.3x
Bajaj Net 3.8x
Liberty Net 4.3x
COMP/SAOD Bajaj Net 3.8x
TW (EV) All
TP Bajaj Net 3.8x
Digit (AS, Rest of North East) Net 2.0x
Reliance, Magma (AS), Digit (NL) Net 2.8x
Comp Bajaj (AS) Net 3.3x
Chola, Shriram(AS), Future Net 4.2x
Edelweiss Net 4.8x

3W Digit (AS, Rest of North East) Net 2.0x

Digit (NL) Net 2.3x
Reliance, Magma (AS) Net 2.8x
TP
Bajaj (AS) Net 3.8x

Chola, Shriram(AS), Future, Liberty (ML) Net 4.2x

Edelweiss Net 4.8x

Reliance, Magma (AS) (Public), Digit (NL) Net 2.8x

RSA (upto 2T) (upto 4Yrs) Net 2.8x

RSA (upto 2T) (Above 5 Yrs) Net 4.3x
RSA (2 to 2.5T) (5 to 10Yrs) Net 0.8x
RSA (2 to 2.5T) (above 10Yrs) Net 1.8x
Digit (NL) Net 3.0x
Digit (AS) Net 3.8x
Comp Magma (AS) (Private) Net 1.3x
Bajaj (AS) Net 3.2x
Digit (Rest of North East) Net 3.5x
IFFCO Net 1.5x
Future Net 4.3x
Chola (AS) Net 4.6x
Upto 2.5 T (4W) Edelweiss (Excl. As) (Others Makes) Net 4.8x
Edelweiss (Excl. As) (M&M) Net 5.0x
Reliance, Magma (AS) (Public) Net 2.8x
RSA (upto 2T) Net 3.1x
RSA (2 to 2.5T) Net 3.4x
Digit (AS) Net 3.8x
Magma (AS) (Private) Net 1.3x
Digit (Rest of North East) Net 3.5x
TP
Bajaj (AS), Digit (NL) Net 3.2x
IFFCO Net 1.5x
Future, Liberty (ML) Net 4.3x
Chola (AS) Net 4.6x
 Navi, Edelweiss (Excl. As) (Others Makes) Net 4.8x
Edelweiss (Excl. As) (M&M) Net 5.0x
Magma (AS) (Public), Digit (NL) Net 2.8x
Digit (AS) (Tata & Maruti) Net 3.8x
Digit (Rest of North East) (Tata & Maruti) Net 3.5x
Digit (AS) (Other Makes) Net 1.0x
Magma (AS) (Private), Digit (Rest of North
Comp Net 1.3x
East) (Other Makes)
IFFCO Net 1.5x
Edelweiss (Excl. As) (Others Makes) Net 4.8x
Future Net 4.3x
Edelweiss (Excl. As) (M&M) Net 5.0x
RSA (2.5 to 3T) Net 2.3x
2.5T - 3.5T (4W)
Magma (AS) (Public) Net 2.8x
Magma (AS) (Private), Digit (Rest of North
Net 1.3x
East) (Other Makes)
Digit (AS) (Tata & Maruti) Net 3.8x
Digit (AS) (Other Makes) Net 1.0x
TP Digit (Rest of North East) (Tata & Maruti) Net 3.5x
GCV
Digit (NL) Net 3.2x
IFFCO Net 1.5x
Future, Liberty (ML) Net 4.3x
Navi, Edelweiss (Excl. As) (Others Makes) Net 4.8x
Edelweiss (Excl. As) (M&M) Net 5.0x
Magma (Public) Net 2.2x
Digit (NL) Net 0.3x
Comp
Magma (Private) Net 1.7x
IFFCO Net 1.5x
Navi Net 2.9x
RSA (3 to 7T) Net 1.0x
3.5 T - 7.5 T
Digit (NL) Net 0.5x
IFFCO Net 1.5x
TP
Magma (Public), Edelweiss (AR, MZ, SK, ML,
Net 2.2x
NL)
Magma (Private) Net 1.7x

Liberty (ML) Net 2.8x

Magma (Public), RSA (7 to 12T) (TP) Net 2.2x
Digit (NL) Net 0.3x
7.5 T - 12 T Comp/TP Digit (NL) Net 0.5x
Magma (Private) Net 1.7x
IFFCO Net 1.5x
Magma (Public) Net 2.2x
Digit (AS) (0 to 1 Yr), Digit (Rest of North East)
Net 0.3x
(0 to 1 Yr)
Digit (AS) (2 to 5 Yrs) Net 1.0x
Comp Digit (AS) (Above 5 Yrs) Net 1.3x
Digit (Rest of North East) (Above 2 Yrs) Net 0.5x
Magma (Private) Net 1.7x
Reliance Net 0.25x
12 T- 20 T
 12 T- 20 T Magma (Public) Net 2.2x
Digit (North East), Digit (NL) Net 0.5x
Digit (AS) (Upto 5 Yrs) Net 1.0x
Digit (AS) (Above 5 Yrs), Digit (NL) Net 1.3x
TP
Digit (North East) (Above 5 Yrs) Net 1.3x
Magma (Private) Net 1.7x
RSA (NL) Net 3.0x
Reliance Net 0.25x
Magma (Public) Net 2.2x
Magma (Private) Net 1.7x

Digit (AS) (0 to 1 Yr), Digit (Rest of North East) Net 0.3x

Comp
Digit (AS) (2 to 5 Yrs) Net 1.0x
Digit (AS) (Above 5 Yrs) Net 1.3x
Reliance Net 0.25x
20 T -40 T Magma (Public), Liberty (ML) Net 2.2x
Magma (Private) Net 1.7x
Digit (AS) (Upto 5 Yrs) Net 1.0x

TP Digit (North East), Digit (NL) Net 0.5x

Edelweiss, Digit (AS) (Above 5 Yrs), Digit (NL) Net 1.3x

RSA (NL) Net 3.0x

Reliance Net 0.25x
Comp Reliance Net 0.25x
Digit (NL) (Upto 5 Yrs) Net 0.5x
Above 40 T
TP Digit (NL) (Over 5 Yrs) Net 1.3x
Liberty Net 2.3x
Digit (NL) Net 3.0x
Tractor All Comp/TP
Magma Net 2.5x

Tractor (Kisan Suvidha) All Comp/TP Iffco Net 2.5x

Bajaj (AS) Net 1.8x

Comp Digit (NL) Net 2.0x
Digit (AS, Rest of North East) Net 1.5x
MiscD CE All Digit (AS, Rest of North East) Net 1.7x
Digit (NL) Net 1.5x
TP
Chola Net 2.0x
Reliance Net 2.5x
Shriram, Chola Net 6.3x
Reliance, Bajaj Net 5.9x
School Bus All Comp/TP
Digit Net 5.5x
Edelweiss Net 6.5x
Shriram, Chola Net 4.5x
Bajaj (AS) Net 2.6x
Staff Bus All Comp/ TP
Digit Net 5.0x
Reliance Net 5.5x
Passenger Bus All Comp/ TP Iffco Net 1.0x
Magma (AS) Net 2.2x
 RSA (3+1) Net 0.6x
Shriram (AS) Net 3.2x
Digit (AS) (Petrol & CNG) Net 3.9x
Comp
Digit (Rest of North East) (Petrol & CNG) Net 3.7x
Digit (NL) Net 2.7x
Future Net 4.2x

PCV (3W)- Autorikshaw All Bajaj (AS) (Petrol & CNG), Edelweiss Net 4.7x
Magma (AS) Net 2.2x
RSA (3+1) Net 0.9x

Digit (AS, Rest of North East) (Petrol & CNG) Net 4.2x
TP Digit (NL) Net 2.7x
Shriram (AS) Net 3.2x
Future, Liberty (ML) Net 4.2x
Bajaj (AS) (Petrol & CNG), Edelweiss Net 4.7x
Bajaj (AS) Net 3.2x
Digit (Rest of North East) Net 4.3x
E-Rickshaw All Comp/TP Digit (NL) Net 4.5x
Digit (AS) Net 4.8x
Shriram (AS) Net 4.3x
Flat beds All Comp/TP Reliance Net 2.0x
Reliance (Upto 6 seater) Net 3.8x
Digit (NL) (Upto 5 seater) (Diesel) (TP) Net 1.5x

Digit (NL) (Upto 5 seater) (Petrol, CNG) (Comp) Net 0.8x

PCV (4W)- Taxi All Comp/TP Digit (NL) (Upto 5 seater) (Petrol, CNG) (TP) Net 2.0x

Shriram (6+1) (AS), Bajaj (AS) Net 2.3x

Shriram (7 to 10) (AS) Net 1.3x
Reliance (7-11 seater) Net 1.6x

School Bus Scheme (1st June'22 to 30th June'22)

(Slabs - NOP) Incentive%
5 to 10 2.00%
11 to 15 2.50%
16 to 20 3.00%
21 to 30 3.50%
31 & Above 4.00%
TnC:
Slab qualifications for school bus = policy can be sourced from any insurers

Car &TW Portfolio Scheme (1st June'22 to 30th June'22)

Slabs (Net
Premium) Car-OD Car-TP TW-Net
0-1 lacs 2.50% 1.00% 2.50%
1-2.99 lacs 3.00% 1.50% 3.00%
3-4.99 lacs 3.50% 2.00% 3.50%
5 & above 4.00% 2.50% 4.00%
TnC:
All motor products (including CV) will be counted for slab qualification under Car and TW portfolio scheme.

Additional % will be paid as per definite slabs for Car (OD), Car (TP) and TW (Net), please refer the table above

For TW - All products (SATP, 1+1, 1+5) will be considered

Definitions

Pick Up/Delivery Van, Truck, Heavy Truck/Semi

GCV Trailer, Tanker, Trailer, Tipper, Bulker, Dumper,
Refrigerated Van, Loader, Tractor

Backhoe Loader, Crane, Compressors,

Excavaters, Loader, Ambulance, Harvester, Fork
MISCD CE Lift Trucks, Transit Mixer, Garbage Van,
Generator Van, Tractor Loader, Drilling Rigs,
Motor Grader, Car Carrier

Notes: 1. For Insurers not in the list against any product, Basic will be paid

2. TW (1+5): Digit, Future, Chola, Bajaj, Kotak, Magma- On Net

Premium; Other insurers- on OD Premium only

3. Above Grid is applicable for only System Accepted RTOs

4. RSA: High End Vehicles - Audi, BMW, Merc, Landrover, Jaguar,

Volvo, Porche, Toxota - Fortuner(except UP, HR, RJ) - 1.95x

5. Kotak Declined Usage - The transport of high explosives, such as

nitro-glycerine, dynamite or any other similar explosive. The
transportation of chemicals or gases in liquid, compressed or gaseous
form. Explosion losses resulting out of inherent vice in bulk
transportation of liquefied petroleum, or gasoline or fuel. The
transportation of hazardous waste
6. ICICI:

Negative Models- Audi, Skoda, VW,Fortuner

except MH & GJ,Swift/Dzire-Diesel,I-20
Diesel,Etios-Diesel,Amaze-
Pvt Car Diesel,Kwid,Polo,Vento,Bolero,Tavera,Qualis,Ind
ica,Indigo,Sumo,Brezza Diesel, Omni, Echo,
Ertiga Diesel, Tavera, TATA Sumo, Hyundai
Getz, GM, Chevrolet)

Negative Models- Hindustan Trekker, Camry,

Fortuner, Chevrolet(Except STP), ICML,
Mitsubishi, Force One, Traveller, Trax, Cruiser,
Challenger, Gama, Toofan, Mahindra Armada,
PCV (4W)- Taxi Jeep, Thar, Marshal, Maxx, Savari, CL 500, CL
550, Commander, Tata Aria, Winger & Sumo,
Omni, Magic, Ace, Iris, Swift(D), Dzire(D),
Dzire Tour(D), Etios(D), Liva(D), Verito(D),
Logan(D), Indica(D), Indigo(D)

PCV (4W)- Taxi Grid applicable for NZD only

Grid applicable for LT 150 CC only.. Bajaj &

TW (Bike)
Yamaha Bikes are declined models
 Decline Models: MAN, Volvo, Scania, Bharat
GCV
Benz Pan India & (Eicher in North)

GCV Grid applicable on Public Carrier only

7. Reliance
TW (Bike) Grid applicable for LT 150 CC only.
Grid applicable on TATA and Ashok Leyland
GCV (> 12 T)
only
8. Digit
TW (Bike) Grid applicable for LT 150 CC only.
Digit: Definitions
Good RJ RJ 14, 19, 27, 41, 43, 45, 47
UP 07, 10, 11, 28, 30, 31, 32, 33, 34, 35, 36,
40, 41, 42, 43, 44, 45, 46, 47, 50, 51, 52, 53,
Good UP
54, 55, 56, 57, 58, 60, 61, 62, 63, 64, 65, 66,
67, 78
Good KA KA 09, 19, 20, 21, 45, 55

TN 01, 02, 03, 04, 05, 06, 07, 09, 10, 11, 12,
Good TN
13, 14, 18, 20, 22, 37, 38, 66, 85, 87, 99

Digit: Public and Private Carrier deals will be same