GRID FOR THE MONTH OF MARCH - 2024 <<<<< >>>>> UP, DELHI, NCR, UK, UA, HR

PRIVATE CAR - COMPREHENSIVE

SEGMENT INSURER POLICY TYPE LOCATION POINTS REMARKS
Comprehensive 2.80 X Petrol With & W/O NCB
SAOD 1.20 X & Diesel with NCB
BAJAJ Rest all RTOs
Comprehensive + SAOD 0.80 X Diesel Without NCB
Comprehensive 2.10 X High End Vehicles
0.80 X Non NCB All Fuel
BAJAJ Comprehensive UP
3.00 X With NCB All Fuel - UP west Declined
Delhi NCR 2.30 X
HR Good 2.00 X Petrol - Non High End
UP Good, UK Good, UP Bad 2.10 X
Comprehensive All RTO's 1.70 X Petrol- High End
DIGIT DL, NCR, HR Good 1.80 X
Diesel , CNG, LPG - Non High End
UP good, UP Bad, UK Good 2.00 X
All RTO's 1.70 X Diesel , CNG, LPG - High End
2.00 X All Fuel - Non High End
SAOD All RTO's
1.70 X All Fuel - High End
2.60 X Petrol With NCB Only
Delhi 2.20 X Petrol Without NCB & Diesel With NCB

HDFC Comprehensive + SAOD 1.30 X Diesel, CNG, LPG Without NCB

Private Car Petrol, Hybrid, Electric With NCB & Without NCB,
1.90 X
HR, UP, UK, NCR Diesel, CNG, LPG With NCB Only
1.00 X Diesel, CNG, LPG Without NCB
HR 0.80 X
Lucknow, Kanpur, UK 2.20 X
Petrol, CNG,Only - With NCB, Without NCB
Delhi NCR 2.50 X
UP East, UP West 1.90 X
HR 0.80 X
NCR, DL 2.10 X
Diesel, Electric With NCB Only
UP East, UP West, UK 1.70 X
Comprehensive
Kanpur, Lucknow 2.10 X
ICICI DL, NCR, UP East & West 1.30 X
HR 0.80 X Diesel, Electric Without NCB
Kanpur, Lucknow, UK 1.70 X
HR 0.80 X
UP East , West, Kanpur 1.70 X All Fuel - Only for Used Car - Owner Changed Cars
DL, NCR, Lucknow , UK 2.10 X
Kanpur, UK 1.70 X
With NCB Cases Only - All Fuel
SAOD Rest All RTOs 1.90 X
All RTO's 1.30 X Without NCB Cases Only - All Fuel - HR Declined
Comprehensive + SAOD All RTO's 1.90 X All Fuel- ( Diesel Non NCB Declined)
TATA
Comprehensive DL 2.10 X Petrol - With NCB Only - Online Only

DL, UK 2.20 X With NCB - Vehicle Age upto 15 Years Only

Comprehensive
( Allowed RTOs In UP & HR :- 1.90 X Without NCB - Vehicle Age upto 15 Years Only
RAHEJA
UP- 14 & 16 1.90 X With NCB - Vehicle Age upto 15 Years Only
SAOD HR- 26, 29, 38, 51, 55, 72, 87) 1.30 X Without NCB - Vehicle Age upto 15 Years Only
2.20 X Petrol - With NCB
RELIANCE Comprehensive + SAOD All RTO's 1.90 X Diesel - With NCB
1.70 X All Fuel - Without NCB
1.00 X With NCB
DL - Only DL Rtos
0.80 X Without NCB
1.60 X With NCB
ROYAL Comprehensive + SAOD Dehradun, Haridwar, Nainital
Private Car 1.00 X Without NCB
1.10 X With NCB
Rest of UK
0.90 X Without NCB
HR 1.20 X

NCR,Lucknow, Allahabad, Gorakhpur, Kanpur & Varanasi, UK 2.50 X Non Diesel

Rest of UP 1.90 X
Comprehensive NCR 2.00 X
LIBERTY HR 1.20 X
Lucknow, Allahabad, Gorakhpur, Kanpur & Varanasi 2.20 X Diesel
Rest of UP 1.90 X
UK 2.20 X
Rest All RTO's 1.70 X HR Declined
SAOD
HR 1.30 X -
DL, UK 1.80 X
Upto 1000 CC
UP 1.30 X
Petrol - Comprehensive DL, UK 2.20 X
CHOLA 1001 - 1500 CC
( SAOD Declined ) UP 1.80 X
DL 3.10 X
Above 1500 CC
UP, UK 2.60 X
DL, UK 1.30 X
Upto 1000 CC
UP 0.80 X
Diesel - Comprehensive DL, UK 1.80 X
CHOLA 1001 - 1500 CC
( SAOD Declined ) UP 1.30 X
DL 2.60 X
Above 1500 CC
UP, UK 2.20 X
FUTURE Comprehensive + SAOD All RTO's 2.60 X -
SBI DL, NCR,UA 2.20 X
Comprehensive + SAOD Without NCB Less 2%
( Age Upto 12 Years Only ) UP 2.00 X
Upto 15 Years Only
Comprehensive + SAOD
SHRIRAM DL, HR 2.20 X In Delhi Only Hyundai & Toyota Allowed
Private Car ( Non Diesel Only ) In Haryana Only Hyundai , Maruti Suzuki Allowed
Delhi-NCR 2.10 X
Comprehensive UP-2 1.80 X With NCB
HR 1.30 X
UNIVERSAL SOMPO
Delhi-NCR 1.60 X
Comprehensive + SAOD UP-2 1.30 X Without NCB
HR 0.80 X
KOTAK Comprehensive + SAOD All RTO's 2.60 X -
ZUNO Comprehensive + SAOD Delhi, NCR, Panchkula 2.20 X With NCB ( ODD Above 75% Points = 1.70 X )
IFFCO Comprehensive + SAOD DL, UP, UK, HR 1.20 X NET
DL , UK 3.00 X -
MAGMA Comprehensive
UP 2.50 X Above 1000 CC Only
Comprehensive 1+3 All RTO's 1.20 X NET -
SAOD All RTO's 1.70 X Upto 3 Years
NATIONAL All RTO's 2.20 X + 1.00 X Above 3 to 4 Years
Comprehensive - 1+1 All RTO's 1.90 X + 0.80 X Above 4 to 8 Years
All RTO's 1.80 X + 0.50 X Above 8 to 12 Years
PRIVATE CAR - THIRD PARTY
SEGMENT INSURER POLICY TYPE LOCATION POINTS REMARKS
BAJAJ Third Party UK 1.80 X Petrol Only - Allowed RTOs:- UK-04,07,08,14,16
2.50 X Age Above 10 Years
Delhi NCR
Third Party 3.50 X Upto 10 Years
( Petrol + Electric ) HR Good 2.30 X
-
UK Good, UP Good 2.20 X
DIGIT
Third Party -
Delhi NCR, UP Good, UK Good 2.50 X In UP Good - Points Applicable only for UP-32 & 65
Diesel Above 1500 CC Only
Delhi NCR 1.80 X
Third Party CNG ONLY
UP Good, UK Good 1.00 X
Third Party DL, UA 2.20 X Declined RTOs:- HR, Agra, Allahbad, Kanpur,Lucknow,
HDFC
( Petrol Only ) NCR, Rest of UP 0.80 X Meerut,Bareilly, Muzzaffarnagar, Varanasi
UP East, UP West 2.20 X
DL, NCR, Kanpur, Lucknow 3.00 X
Private Car Petrol
HR 1.30 X
UK 2.60 X
ICICI Third Party
HR 1.30 X
UP East, UP West, UK 2.60 X
Diesel
Kanpur, Lucknow 3.10 X
DL, NCR 3.30 X
UP 1.90 X
UK 3.00 X Petrol / CNG
TATA Third Party DL 3.50 X
DL 3.00 X
Diesel
UK 1.30 X
Delhi 2.70 X
RELIANCE Third Party Petrol
HR 1.90 X
 PRIVATE CAR - THIRD PARTY
SEGMENT INSURER POLICY TYPE LOCATION POINTS REMARKS
Dehradun 4.30 X
Petrol - All Age, All CC
Delhi 2.00 X
Nainital 2.40 X
Above 1500 CC, Above 5 Years
Rest All RTOs 3.70 X
Third Party - Petrol Ghaziabad 2.00 X Upto 1000 CC , 5-10 Years
Haridwar 0.80 X Upto 1000 CC, Above 5 Years
Ghaziabad 2.80 X
Lucknow 1.50 X 1001-1500 CC - Above 5 Years
Private Car ROYAL
Haridwar 2.20 X
Dehradun 3.40 X Above 1500 CC - Above 5 Years
Delhi 4.00 X Above 1500 CC - 5-10 Years Age
Delhi 3.00 X
Above 1500 CC - Above 10 Years
Third Party - Diesel Ghaziabad, Haridwar 0.80 X
Ghaziabad 3.80 X
Lucknow 1.00 X Above 1500 CC - 5-10 Years Age
Noida, Haridwar 2.10 X
NCR 3.50 X
Lucknow, Allahabad, Gorakhpur,
2.90 X Upto 1000 CC
Kanpur & Varanasi
Dehradun 3.70 X
NCR 4.20 X
Lucknow, Allahabad, Gorakhpur,
3.50 X
Kanpur & Varanasi 1001 - 1500 CC
Rest of UP 0.80 X
Third Party - Petrol
Dehradun 3.70 X
Rest of UK 1.80 X
LIBERTY NCR 4.00 X
Lucknow, Allahabad, Gorakhpur,
4.00 X
Kanpur & Varanasi Above 1500 CC
Rest of UP 1.80 X
Dehradun 3.70 X
Private Car Rest of UK 3.00 X
Dehradun 2.50 X
1000- 1500 CC
NCR 1.30 X
Third Party - Diesel Dehradun 3.50 X
Lucknow, Allahbad, Above 1500 CC
3.00 X
Gorakhpur, Kanpur, Varanasi, Delhi NCR
FUTURE Third Party DL, UP 2.60 X -
DL, NCR, UA 3.70 X Petrol upto 1500 CC - Vehicle Age Upto 25 Years

SBI Third Party DL, NCR, UA 1.80 X Other Than Petrol upto 1500 CC - Vehicle Age Upto 25 Years
All Fuel Above 1500 CC- Vehicle Age upto 25 Years
DL Only 3.50 X
Decline models Qualis & Tavera,
ZUNO Third Party As Per System RTO's 1.70 X -
IFFCO Third Party DL, UK, UP, HR 1.20 X -
DL, UK 3.00 X -
MAGMA Third Party
UP 2.10 X Above 1000 CC Only
1.80 X All Fuel - All CC - Upto 3 years
NATIONAL Third Party All RTO's
1.30 X All Fuel - All CC - Above 3 years
TWO WHEELER - COMPREHENSIVE
INSURER SEGMENT POLICY TYPE LOCATION POINTS REMARKS
Delhi NCR 2.60 X
Bike Comprehensive - 1+1
UK 1.80 X
Delhi NCR 2.60 X
Scooter Comprehensive- 1+1
UK 1.80 X
Allowed RTOs Electric All Models Will be Done As per
1.30 X
UP - 25, 44, 63, 74, 77, 78, 82, 93 Bajaj Underwriter Approval Only
Allowed RTOs : UP - 17, 20, 24, 51, 53, 73, 79, 90, 94 1.80 X
Bike + Scooter Comprehensive- 1+1 Allowed RTOs - UP - 14, 26, 57, 80 2.20 X
BAJAJ Allowed RTOs
UP -11,12,23,32,33,35,40,41,43,47,50, 2.50 X
52,54,55,60,61,62,65,66,67,71,72,76,87,92
Hero, Honda, Suzuki Makes only 3.60 X
Refer RTO Master List for Doable
TVS Makes 2.60 X
& Restricted RTO & Segments
Bike + Scooter - 1+5 Bajaj Makes All RTOs 2.20 X Electric All Models Will be Done As per
Vespa Makes 1.80 X Bajaj Underwriter Approval Only
Yamaha Makes 8.10 X OD
Bike + Scooter SAOD All RTOs 1.70 X -
Comprehensive - 1+5 UP Open Good 500/-
Delhi NCR, NCR UP+HR 2.80 X
Bike - Upto 150 CC UP Open Good 3.00 X
DIGIT ( Other Than Bajaj Comprehensive - 1+1 UP Open Good 2 2.50 X Other Than Bajaj & Yamaha Makes Only
& Yamaha Makes ) Good HR 1.30 X
UK Open 2.10 X
SAOD All RTOs 1.80 X
UP Open Good 2.30 X
Bike - Upto 150 CC Comprehensive - 1+1
UK Open 1.00 X Bajaj & Yamaha Makes Only
( Bajaj & Yamaha Makes Only )
SAOD All RTOs 1.80 X
Bike - 151-180 CC UP Open Good 0.80 X
DIGIT Comprehensive Other Than Bajaj & Yamaha Makes Only
( Other Than Bajaj Delhi NCR, NCR UP+HR 2.60 X
& Yamaha Makes ) SAOD - ( 151 - 350 CC ) All RTOs 1.80 X -
Bike - 151-350 CC
Comprehensive - 1+1 Delhi NCR, NCR UP+HR 2.60 X Bajaj & Yamaha Makes Only
( Bajaj & Yamaha Makes Only )
UK Open 1.30 X
Comprehensive - 1+1 UP Open Good 3.10 X
Bike Royal Enfield Only
Delhi NCR, NCR UP+HR 2.60 X
SAOD All RTOs 1.80 X
UK Open 1.80 X
Scooter - 1+5 Comprehensive - 1+5 -
DIGIT UP Open Bad, UP Open Good, UP Open Good 2 500/-
UP Open Bad, UP Open Good, UP Open Good 2 4.10 X
Delhi NCR, NCR UP+HR, UK Open 4.20 X
Comprehensive - 1+1 -
Scooter - 1+1 Good HR 1.90 X
HR Bad 1.80 X
SAOD All RTOs 1.80 X -
Electric UP Open Good, UK Open, UP Open 2 1.80 X Upto 3 KW , Above 7 KW
DIGIT Comprehensive - 1+5
Scooter - 1+5 UP Open Good, UK Open , UP Opne Good 2 3.10 X 3-7 KW
2.20 X With CPA
Scooter Comprehensive + 1+1 All RTOs
1.90 X Without CPA
HDFC
2.20 X With CPA
Electric - Scooter Comprehensive - 1+1 All RTOs
1.80 X Without CPA
HDFC Scooter SAOD All RTOs 1.90 X Scooter All CC
Bike DL, NCR, UP-2, UP-3, UK 2.60 X
Comprehensive -1+1
TATA Scooters All RTOs 4.50 X New Vehicles Declined
Scooter SAOD HR 1.80 X
Bikes - Upto 150 CC DL 1.30 X
Comprehenisive - 1+5
Sccoter DL, UP-1,UK, Lucknow, Varanasi 3.50 X
Comprehensive - 1+1 Delhi 1.80 X
Bike - Upto 150 CC Dehradun, Lucknow, Varanasi, UK 1.30 X -
SAOD
UP-1 2.50 X -
DL 2.80 X -
RELIANCE
HR 3.10 X -
Comprehensive - 1+1
Dehradun, Lucknow, Varanasi 3.80 X -
Scooter UP-1, UP-2, UK 2.60 X
DL 1.80 X -
SAOD HR 1.50 X -
UK 1.90 X -
Nainital 1.60 X -
Scooter
ROYAL Comprehensive - 1+1 Rest of UK 2.20 X
Bike Upto 150 CC Rest of UK 0.80 X
Lucknow, Allahabad,
3.00 X -
Gorakhpur, Kanpur & Varanasi
Bike Comprehensive + SAOD
Rest of UK 2.00 X -
Dehradun 2.50 X -
LIBERTY Rest of UP 3.40 X -
Lucknow, Allahabad,
3.70 X -
Scooter Comprehensive + SAOD Gorakhpur, Kanpur & Varanasi
Rest of UK 2.80 X -
Dehradun 3.50 X -
Comprehensive - 1+1 All RTOs 0.40 X -
IFFCO Bike + Scooter
SAOD All RTOs 1.30 X -
 TWO WHEELER - COMPREHENSIVE
INSURER SEGMENT POLICY TYPE LOCATION POINTS REMARKS
Yamaha Makes All RTO's 4.00 X
HR, DL , NCR 3.50 X
TVS Makes
UP, Lucknow, Kanpur, UK 4.00 X
HR 2.30 X
Lucknow 2.60 X
Honda Makes
UP, UK, Kanpur 4.10 X
ICICI Scooter - 1+5 DL ,NCR 3.60 X Without CPA Less 2.5%
HR, UP 2.20 X
UK, Kanpur 2.50 X
Hero Makes
Lucknow 3.60 X
DL, NCR 4.00 X
HR, UK, Kanpur, Lucknow 4.00 X
Suzuki Makes
UP 3.50 X
Hero Makes Lucknow 2.60 X -
UP 2.20 X -
Honda Makes
Lucknow 2.60 X -
ICICI Bike -1+5 UP, UK 1.80 X -
Suzuki Makes
Lucknow 1.30 X -
UP, UK 1.80 X -
TVS Makes
Kanpur 1.30 X -
HR 1.00 X
UP 4.00 X
Royal Enfield - 1+5 Royal Enfield UK 3.50 X Royal Enfield Only
Kanpur 2.20 X
Lucknow 4.00 X
Electric - TW Comprehensive + SAOD - 1+5 1+1 All RTOs 2.50 X -
UK 4.70 X
Kanpur, Lucknow, UP East, UP West 4.50 X
Comprehensive - 1+1, 2+2, 3+3 1+1, 2+2, 3+3
HR 4.00 X
Scooter
ICICI DL, NCR 4.20 X
DL, NCR 1.80 X
SAOD
Kanpur 1.30 X -
DL, NCR 2.10 X
Excluding Bajaj, Yamaha, TVS and Suzuki
Kanpur, Lucknow 3.50 X
Compehensive - 1+1, 2+2, 3+3
UP East, UP West 2.10 X Hero Makes Oniy
Bike UK 1.80 X Hero Makes Only
DL ,NCR 1.80 X
-
SAOD HR, Kanpur, Lucknow 2.10 X
UP East, UP West 1.80 X -
ICICI ROYAL ENFIELD Comprehensive & Third Party HR, UP East & West, UK 2.10 X Royal Enfield Only
DL 3.80 X -
Scooter - Upto 149 CC Comprehensive - 1+5 - 1+1
UK ,UP 2.80 X
DL 2.20 X
CHOLA Comprehensive 1+5
UK, UP 1.90 X
E-Scooter
DL 1.90 X
Comprehensive 1+1
UK, UP 1.50 X
DL (NCR Declined ), UK 1.80 X With CPA Less 2%
Comprehensive - 1+5
UP 1.00 X With CPA Less 2%
Bike - Upto 150 CC
DL , UK 2.50 X With CPA Less 2%
MAGMA Comprehenisive
UP 1.30 X ( In UP locations Allowed As per Local Magma Team )
Comprehensive - 1+5 DL ( NCR Declined ),UK, UP 3.20 X With CPA Less 2% - NCR Declined
Scooter
Comprehenisive All RTOs 3.50 X With CPA Less 2%
Comprehensive - 1+5 All RTOs 1.20 X NET -
NATIONAL Bike + Scooter SAOD All RTOs 1.70 X Upto 5 Years
Comprehensive - 1+1 All RTOs 1.70 X + 1.00 X Renewal / Rollover Upto 12 Years Only
TWO WHEELER - THIRD PARTY
INSURER SEGMENT POLICY TYPE LOCATION POINTS REMARKS
Bike + Scooter Third Party DL, NCR, UK 2.20 X -
No PO in the districts of Bareilly, Bulandshar, Etawah,
BAJAJ Rampur, Barabanki and Aligarh. Muzaffarnagar upto age 5
Bike + Scooter Third Party UP 1.30 X
is declined and <=75 CC two wheeler for
Gautam Buddha Nagar needs to be closed
Delhi NCR, NCR UP+HR 2.80 X
Good HR 1.90 X
Bike Third Party
DIGIT UP Open Good 3.40 X Other Than Bajaj & Yamaha Makes Only
Upto 150 CC ( Upto 150 CC )
UP Open Good 2 2.60 X
UK Open 2.30 X
UP Open Good 2.30 X
Bike
Third Party UK Open 1.90 X Bajaj & Yamaha Makes Only
( Upto 150 CC )
Delhi, NCR, NCR UP+ HR 1.80 X
UP Open Good 0.80 X
Bike UK Open 0.80 X
Third Party Other Than Bajaj & Yamaha Makes Only
DIGIT ( 151-180 CC ) Delhi, NCR 1.80 X
NCR UP+ HR 2.70 X
Bike Delhi, NCR 1.80 X
Third Party Bajaj & Yamaha Makes Only
( 151-180 CC ) NCR UP+ HR 2.70 X
Bike Delhi, NCR 1.70 X
Third Party -
( 181 - 350 CC ) NCR UP+ HR 2.70 X
Delhi NCR 2.50 X
NCR UP+HR 2.70 X
Bike Third Party Royal Enfield Only
UK Open 2.60 X
UP Open Good 2.20 X
DIGIT
NCR UP+HR, UK Open, Delhi NCR 4.20 X
UP Open Bad, UP Open Good,
Scooter Third Party 4.10 X -
UP Open Good 2 Good HR
HR Bad 3.10 X
HDFC Scooter Third Party All RTOs 4.00 X -
UP East, UP West, Kanpur, Lucknow, UK 5.00 X Upto 150 CC Only
Scooter Third Party - 0+1,0+2,0+3 DL, NCR 4.20 X -
HR 3.50 X -
ICICI
Kanpur 3.50 X Only Honda & Hero Makes - Hond Upto 150 CC Only
Bike Third Party
Lucknow 3.50 X Only Honda & Hero Makes
Royal Enfield Third Party HR, UP East & West, UK 2.20 X -
Bike DL, UP, UK 3.20 X
TATA Third Party New Vehicles Declined
Scooters All RTOs 4.50 X
Bike - Upto 150 CC Third Party DL 1.00 X -
RELIANCE
Scooter Third Party DL, HR, UP, UK 4.10 X -
HR, UP 1.20 X -
Bike - Upto 150 CC Third Party
Rest of UK, Delhi 1.80 X -
ROYAL HR, UP, DL 2.60 X -
Scooter Third Party Rest of UK 2.40 X
Nainital 1.50 X
Lucknow, Allahbad,
3.60 X -
Bike Third Party Gorakhpur, Kanpur, Varanasi
Dehradun 3.20 X
Lucknow, Allahbad,
LIBERTY 4.80 X -
Gorakhpur, Kanpur, Varanasi
Scooter Third Party Dehradun 4.50 X
5.00 X Upto 75 CC
Delhi, NCR
4.50 X 75 to 150 CC
IFFCO Bike + Scooter Third Party All RTOs 0.20 X -
DL, UK 2.50 X
Bike - Upto 150 CC Third Party With CPA Less 2%
MAGMA UP 1.30 X
Scooter Third party All RTOs 3.50 X With CPA Less 2%
Bike + Scooter 1.80 X Upto 3 years
NATIONAL Third Party All RTOs
Bike + Scooter 1.30 X Above 3 Years
 3W - PASSENGER CARRYING VEHICLE - ( PCV )
INSURER SEGMENT POLICY TYPE LOCATION POINTS REMARKS
Delhi, NCR 4.80 X -
Comprehensive
UK 3.50 X Declined - UK-04,06
Third Party Delhi, NCR 4.50 X -
Autorikshaw UP West, Mainpuri, Kushinagar, Firozabad,
Comprehensive Etah, Allahabad, Bareily, Nainital, Aligarh,
BAJAJ UP 2.60 X
Kanpur, Hamirpur, Jalaun @ IRDA
Third Party -
Exclude - Ghaziabad, Bariely,
Comprehensive + Third Party UP 3.50 X
Gautam budh nagar, Meerut
E - Autorikshaw
Comprehensive UK 3.50 X -
Third Party Delhi, NCR 3.50 X -
Comprehensive + Third Party Good UK 3.50 X -
2.00 X Upto 2 Years
Comprehensive + Third Party Delhi
4.70 X Above 2 Years
Autorikshaw
Good UP 3.70 X -
Non Diesel Only Comprehensive
Bad UP 2.10 X -
Good UP 3.70 X -
DIGIT Third Party
Bad UP 1.90 X -
Delhi 3.20 X -
Bad UP 3.20 X
E - Autorikshaw Comprehensive + Third Party Good UP 4.60 X -
Good UK 4.00 X -
HR 1.80 X -
DL - 01 to 13 -
HR - 38, 55 -
HDFC Autorikshaw Comprehensive + Third Party 2.60 X
UK - 07,08,14,17 -
UP - 14, 16, 32, 65, 70, 78 -
Comprehensive 1.70 X + 5.50 X -
FUTURE Autorikshaw All RTOs
Third Party 5.50 X -
UK 3.50 X -
HR 1.30 X
Autorikshaw Lucknow 3.50 X -
Comprehensive + Third Party
Petrol + CNG DL, NCR 2.20 X -
IN UP West - ( Bajaj only in Bareilly, Shahjanpur,
UP West, UP East 0.80 X
Farukhabad, Moradabad, Rampur ), In UP East - All Makes and Location Allowed
ICICI UP West 0.80 X -
Autorikshaw
Comprehensive + Third Party UK 3.00 X
Diesel
DL-NCR 1.80 X -
UP East, UP West, Kanpur 4.90 X
DL NCR, Lucknow 3.50 X
E - Autorikshaw Comprehensive + Third Party -
HR 4.20 X
UK 3.50 X
DL, NCR 4.20 X -
Comprehensive + Third Party
UK 2.30 X
TATA Autorikshaw
Comprehensive 3.20 X
UP
Third Party 3.30 X
DL 3.90 X -
Autorikshaw Comprehensive + Third Party
ROYAL UP, HR 1.80 X -
E - Autorikshaw Comprehensive + Third Party All RTOs 4.00 X New & 1st Renewal Only
UK, Rest of UP 3.40 X
Lucknow, Allahabad,
3.80 X Above 1 to 5 Years
Gorakhpur, Kanpur & Varanasi
NCR 4.80 X
UK, Lucknow, Allahabad,
Comprehensive 4.20 X
Gorakhpur, Kanpur & Varanasi, Rest of UP Above 5 to 10 Years
LIBERTY Autorikshaw
NCR 5.30 X
UK 4.10 X
UP 4.30 X Above 10 Years
NCR 5.30 X
NCR, UP 2.80 X -
Third Party
UK 2.30 X -
Comprehensive 1.30 X -
IFFCO Autorikshaw DL, UK, UP, HR
Third Party 0.80 X -
Delhi 5.40 X
NCR 4.40 X
Comprehensive Upto 15 Years Age
UK, UA 3.50 X
Autorikshaw UP 4.10 X
SBI
( Seating 3+1 Only ) Delhi 5.60 X
NCR 4.60 X
Third Party Upto 25 Years Age
UK, UA 3.50 X
UP 4.30 X
Autorikshaw HR 2.50 X
Comprehensive + Third Party Upto 15 Years Only
Petrol + CNG UA & UK = 07 to 17 RTOs Only 2.70 X
Delhi, NCR 4.20 X
HR 3.70 X
SHRIRAM E- Autorikshaw Comprehensive + Third Party UP 4.50 X Upto 2000 Watt Only - Upto 15 Years Only
Allowed RTO's = UA & UK - 01-06, 19 3.20 X
Allowed RTO's = UA & UK - 07-17 3.70 X
Autorikshaw HR 1.00 X Upto 15 Years Only
Comprehensive + Third Party
Diesel UA 2.70 X Allowed RTO's - UA & UK - 07 to 17 Only
MAGMA Autorikshaw Comprehensive + Third Party DL, NCR 2.60 X -
Comprehensive - New All RTOs 1.90 X + 0.80 X Brand New - Including Electric
Comprehensive - Old All RTOs 1.80 X + 0.60 X Upto 4 Years Age - Renewal / Rollover
NATIONAL Autorikshaw Comprehensive - Old All RTOs 1.50 X + 0.30 X Above 4-12 Years Age - Renewal / Rollover
Third Party All RTOs 1.30 X Upto 3 Years - Including E-Rickshaw
Third Party All RTOs 0.80 X Above 3 Years - Including E-Rickshaw
TAXI
INSURER SEGMENT POLICY TYPE LOCATION POINTS REMARKS
Comprehensive DL,NCR, UK 1.80 X -
Taxi Delhi NCR 2.50 X -
BAJAJ
Upto 6+1 Third Party UP 2.20 X -
UK 1.60 X -
Taxi Comprehensive 2.50 X Age Upto 15 Years Only
SBI Delhi, NCR
Upto 6+1 Third Party 3.00 X Age Upto 25 Years Only
Comprehensive 2.60 X
Maruti, Hyundai, Honda
Taxi Third Party 3.10 X
DIGIT Delhi
Non Diesel Only - Upto 5 Seater Comprehensive 1.00 X
Other than - Maruti, Hyundai, Honda
Third Party 3.20 X
Comprehensive Good UP, Good UK 1.00 X
Taxi
DIGIT Good UP 1.00 X All Makes
Non Diesel Only - Upto 5 Seater Third Party
Good UK 1.50 X
DL, NCR 2.20 X
Taxi
TATA Comprehensiev + Third Party HR 1.90 X
Upto 6+1
UK 1.70 X
Taxi - Upto 6+1 Comprehensive DL 0.70 X Nol Nil Dep
RELIANCE (BYD - Build Your Dream Makes Declined ) Third Party DL 0.70 X
Kali Pili Taxi Comprehensive & Third Party DL 2.40 X Nol Nil Dep
DL, HR 0.50 X
4-6 Seater
UK 1.00 X
Comprehensive
DL, HR 1.60 X
7-10 Seater
ROYAL Taxi UK, UP 1.80 X
UK, DL ,HR 1.90 X 4-10 Seater
Third Party UP 1.90 X 7-10 Seater
UK, DL, HR 1.90 X 11-18 Seater
Above 1000 CC only -
ICICI Taxi Comprehensive & Third Party UK 2.00 X
In Comprehensive Only Non ZD Cases Only
Comprehensive 1.30 X -
IFFCO Taxi DL, UK, UP, HR
Third Party 0.80 X -
Delhi, NCR 2.50 X
Taxi Comprehensive + HR 1.60 X
6+1
( Vehicle Age Only Third Party UP 2.30 X
SHRIRAM
Upto 15 Years Allowed ) UA 2.10 X
( Electrci Declined In DL, NCR & UA ) Comprehensive + HR 1.60 X
7-10 Seater
Third Party DL, NCR,UP, UA 1.30 X
Comprehensive - New 1.80 X + 0.50 X Brand New
All RTO's 1.60 X + 0.30 X Renewal / Rollover - Upto 4 Years
Comprehensive - Old
NATIONAL All Taxi 1.50 X + 0.30 X Renewal / Rollover - Above 4 - 12 Years
0.80 X Upto 3 Years
Third Party All RTO's
0.50 X Above 3 Years
 3W - GOODS CARRYING VEHICLE - ( GCV )
INSURER SEGMENT POLICY TYPE LOCATION POINTS REMARKS
Comprehensive + Third Party UK 3.00 X -

3W- GCV Delhi, NCR 3.00 X -

BAJAJ Comprehensive Exclude - Basti, Kanpur Dehat,
All Fuel UP 1.80 X
Azamgarh, Kushinagar
Third Party Delhi, NCR, UP 2.00 X Exclude Kanpur
Delhi, NCR, UK 3.10 X -
Comprehenisve
3W- GCV UP 1.80 X East UP Only
BAJAJ
Electric Delhi NCR, UP 2.20 X -
Third Party
UK 2.50 X -
Good UK 2.60 X -
Bad UP 1.90 X -
DIGIT 3W- GCV Comprehensive + Third Party
Good UP 2.10 X -
Delhi 3.00 X -
Comprehensive Delhi 2.60 X -
Third Party Delhi 2.80 X -
3W- GCV
DIGIT Good UP 1.80 X -
E- Loader
Comprehensive + Third Party Bad UP 1.50 X
Good UK 1.90 X
DL, NCR, UP East 2.20 X -
3W- GCV Comprehensive + Third Party
UK 3.00 X -
UP East 4.50 X
ICICI UK 4.10 X
E- Loader Comprehensive + Third Party UP West 2.20 X -
HR 3.00 X
DL, NCR 2.60 X
4.70 X CNG Only
Delhi, NCR
3W GCV Comprehensive + Third Party 4.00 X All Other Fuels
HR 2.90 X -
TATA UP-1, UP-2 , UK 3.70 X -
Comprehensive
UP-3 3.50 X -
3W GCV
UP-1, UP-2 ,UP-3 4.00 X -
Third Party
UK 3.70 X -
UK 4.50 X
HR 0.70 X
Upto 4 Years
DL 1.30 X
UP 1.60 X
UK 5.00 X
ROYAL 3W- GCV Comprehensive DL 4.40 X
5-10 Years
HR 1.50 X
UP 2.90 X
UK 4.90 X
HR, DL 4.00 X Above 10 Years
UP 4.30 X
DL 3.50 X
HR 3.00 X
Upto 4 Years
UP 4.00 X
3W - GCV Third Party
ROYAL UK 5.00 X
Dl, HR, UP 4.00 X
Above 4 Years
UK 5.00 X
E - Cart Comprehensive + Third Party All RTOS 4.00 X Electric Declined - New & 1st Renewal Only
UK 2.90 X
Above 1 to 5 Years
UP 2.00 X
UP 2.30 X
UK 3.30 X Above 5 to 10 Years
Comprehensive
NCR 2.00 X
UK 3.30 X
LIBERTY 3W- GCV
UP 2.30 X Above 10 Years
NCR 2.90 X
NCR, Rest of UP 1.50 X -
UK 2.80 X -
Third Party
Lucknow, Allahabad,
2.30 X -
Gorakhpur, Kanpur & Varanasi
Delhi, NCR 4.20 X
HR 3.70 X
3W GCV Comprehensive + Third Party
UP 4.50 X
( Electric ) ( Electric )
Allowed RTO's = UA & UK - 01-06, 19 3.20 X Upto 15 Years Only
SHRIRAM
Allowed RTO's = UA & UK - 07 to 17 3.70 X Electric Upto 2000 Watt Only
Comprehensive NCR 1.80 X
3W GCV DL 4.50 X
Comprehensive + Third Party
Allowed RTO's = UA & UK - 07 to 17 1.60 X
Comprehensive - New All RTOs 1.90 X + 0.80 X Brand New - Including Electric
Comprehensive - Old All RTOs 1.80 X + 0.60 X Upto 4 Years Age - Renewal / Rollover
NATIONAL 3W- GCV Comprehensive - Old All RTOs 1.50 X + 0.30 X Above 4-12 Years Age - Renewal / Rollover
Third Party All RTOs 1.30 X Upto 3 Years - Including Electric
Third Party All RTOs 0.80 X Above 3 Years - Including Electric
Delhi 5.90 X
NCR 5.50 X
Comprehensive UP Rest 4.50 X Age Upto 15 Years Only
UP Eastern 5.00 X
UK,UA 4.40 X
SBI 3W - GCV
Delhi 5.90 X
NCR 5.70 X
Third Party UP Rest 4.70 X Age Upto 25 Years Only
UP Eastern 5.00 X
UK,UA 4.50 X
Comprehensive 1.70 X + 5.50 X -
FUTURE 3W - GCV All RTOs
Third Party 5.50 X -
Comprehensive 1.30 X -
IFFCO 3W - GCV DL, UK, UP, HR
Third Party 0.80 X -
 GCV - COMPREHENSIVE - LCV - MCV - HCV - GOODS CARRYING VEHICLE
INSURER SEGMENT POLICY TYPE LOCATION POINTS REMARKS
Comprehensive + Third Party UK 4.10 X -
Upto 2500 GVW UP 2.20 X Exclude - Jammu and Rajauri, UP West
Comprehensive
DL,NCR 4.00 X -
BAJAJ
DL, NCR 1.80 X Only DL RTOs
2501-3500 GVW Comprehensive UP 1.30 X Exclude MAHINDRA - Exclude UP West, Kanpur and Kanpur Dehat.
UK 0.80 X
Delhi NCR 4.80 X -
Upto 2500 GVW Comprehensive + Third Party Good UK 4.10 X -
Bad UK 3.20 X -
Bad UP 3.50 X -
Upto 1600 GVW Comprehensive + Third Party
Good UP 4.50 X -
1601-2500 GVW Comprehensive + Third Party Bad UP 1.00 X -
DIGIT
1601-2000 GVW Comprehensive + Third Party Good UP 4.50 X All Makes
2.50 X Only TATA Makes
2001-2500 GVW Comprehensive + Third Party Good UP
0.80 X Other Than TATA Makes
Comprehensive + Third Party 1.50 X -
2501-3500 GVW Delhi NCR
Comprehensive 2.10 X Tata Intra
3501-7500 GVW Comprehensive + Third Party Delhi 1.00 X -
Comprehensive 1.70 X + 5.50 X
FUTURE Upto 3500 GVW All RTOs All Makes Excluding - Mahindra Bolero
Third Party 5.50 X
Upto 2500 GVW Allowed RTOs:- DL, UK 4.20 X Upto 15 Years Only - Declined Makes & Models - MAN, SWARAJ
RAHEJA 2501-3500 GVW Comprehensive UP :- 14 & 16 HR :- 29, 32, 55, 79 3.30 X MAZDA, VOLVO, AMW, CAR CARRIERS,
3501-7500 GVW DL, UK 2.20 X TRAILERS, CONTAINERIZED UNITS

Upto 2500 GVW Comprehensive + Third Party DL, NCR, Lucknow 4.70 X Tata , Mahindra,Maruti Makes Only
ZUNO Tata , Mahindra,Maruti Makes Only
2501-3500 GVW Comprehensive + Third Party Delhi, Lucknow 3.70 X
Mahindra Bolero Camper is declined
DL- NCR, UP East 4.00 X -
Upto 2450 GVW Comprehensive - New UK 4.50 X TATA Makes Only
UP West 4.50 X As per Selective Districts list Only
HR 4.00 X Tata & Maruti Only
4.50 X As per Selective Districts list Only
UP East
3.20 X Other Locations
ICICI UP West 3.20 X As per Selective Districts list Only
4.50 X Comprehensive - Tata Makes Only
Upto 2450 GVW Comprehensive & Third Party- Old UK - Comprehensive
3.80 X Comprehensive - M&M Makes Only
UK - Third Party 5.00 X Third Party - Tata, M&M Makes Only
Lucknow 4.50 X Tata & Maruti Makes Only
Kanpur 4.50 X Only TATA Makes - Above 5 Years Only
DL, NCR 5.30 X Tatat & Maruti Makes Only
UP East 2.20 X -
Above 2450-3500 GVW Comprehensive - New UP West 2.00 X As per Selective Districts list Only
UK 2.10 X As per Selective Districts list Only
Lucknow 2.20 X -
UK 3.50 X As per Selective Districts list Only
UP East 2.00 X As per Selective Districts list Only
Above 2450-3500 GVW Comprehensive & Third Party - Old
UP West 1.80 X As per Selective Districts list Only
3.00 X Non Break In Cases Only
DL, NCR
1.50 X For Break In Cases
3501-7500 GVW Comprehensive + Third Party UK 1.80 X Except Bharat benz, Volvo, Man & Scania pan India
UP East 1.80 X
ICICI 7501-12000 GVW Comprehensive + Third Party Except Bharat benz, Volvo, Man & Scania pan India
UP West 0.80 X
UP East 0.90 X Except Bharat benz, Volvo, TATA, Man & Scania pan India
12001 - 20000 GVW - Truck Comprehensive
UK 1.50 X Only Old - Except Bharat benz, Volvo, Man & Scania pan India
Lucknow, UP East, UP West 1.20 X
12001 - 20000 GVW - Tipper Dumper Comprehensive - Old Except Bharat benz, Volvo, Man & Scania pan India
UK 1.50 X
Lucknow 0.80 X Tata Makes Only
12001 - 20000 GVW
Comprehensive - Old UP East 1.30 X -
Non Hazardouz Tanker
UK 1.80 X Except Bharat benz, Volvo, Man & Scania pan India
For UP East new + Old
20001-40000 GVW - Truck Comprehensive - Old UK, UP East 1.30 X
Except Bharat benz, Volvo, Man & Scania pan India
20001 - 40000 GVW - Tanker Comprehensive - Old UP East 1.50 X Except Bharat benz, Volvo, Man & Scania pan India
20001-40000 GVW - Trailer Comprehensive - Old UP East 0.70 X Except Bharat benz, Volvo, Man & Scania pan India
4.50 X CNG Only
Delhi, NCR
Comprehensive + Third Party 3.80 X All Other Fuels
Upto 2500 GVW HR 2.80 X -
UP-1, UP-2 , UK 3.50 X -
Comprehensive
UP-3 3.40 X -
DL, NCR 1.70 X
TATA 2501-3500 GVW Comprehensive + Third Party UP-2 1.50 X -
UK 2.30 X
Delhi 0.80 X
Brand New
Above 3501 GVW Comprehensive HR 0.80 X
UK 1.20 X Upto 5 Years Only - Brand New Declined
DL 1.30 X
Above 3501 GVW Comprehensive Above 5 Years
UP, UK 1.40 X
DL 4.60 X
Comprehensive & Third Party Maruti & Tata Makes Only
Dehradun, Varanasi, UP-1 3.00 X
Upto 2500 GVW
Comprehensive & Third Party Dehradun, Varanasi, UP-1 3.00 X
Other than Maruti & Tata Makes
Comprehensive Delhi 4.20 X
DL 4.20 X
Comprehensive & Third Party Maruti & Tata Makes Only
Dehradun, Varanasi, UP-1 2.50 X
2501-2750 GVW Comprehensive & Third Party Dehradun, Varanasi, UP-1 2.50 X
Ashok Leyland Only
RELIANCE Comprehensive Delhi 3.70 X
Comprehensive Delhi 2.20 X All Other Makes - Excluding > Tata, Maruti, AL
2750-3500 GVW Comprehensive Delhi 2.70 X All Makes
1.40 X Upto 5 Years - TATA & Ashok Leyland Only
Comprehensive Delhi
12001-20000 GVW 1.90 X Above 5 Years - TATA & Ashok Leyland Only
All Ages - Comprehensive - TATA & Ashok Leyland Only
Comprehensive + Third Party Dehradun 0.70 X
Third Party - All Makes Allowed
20001 - 40000 GVW Comprehensive Delhi 0.90 X All Ages - TATA & Ashok Leyland Only
UK 4.50 X
HR 0.70 X
Upto 4 Years
UP 1.60 X
DL 1.30 X
UK 5.00 X
Upto 2000 GVW Comprehensive Delhi 4.30 X
5-10 Years
UP 3.00 X
HR 1.50 X
UK 5.00 X
UP 4.30 X Above 10 years
DL, HR 4.00 X
ROYAL
DL 1.00 X Upto 4 Years
SUNDARAM
UP,UK 1.20 X
5-10 Years
2001 - 2500 GVW Comprehensive DL 1.40 X
HR, UP,UK 1.80 X
Above 10 years
DL 2.20 X
DL 0.80 X Upto 4 Years
DL 1.20 X
UK 1.80 X 5-10 Years
2501-3000 GVW Comprehensive
UP 0.80 X
DL,UK 2.50 X
Above 10 years
HR, UP 2.10 X
12000 - 25000 GVW Comprehensive DL 1.10 X Tipper Only - Upto 4 Years
 GCV - COMPREHENSIVE - LCV - MCV - HCV - GOODS CARRYING VEHICLE
INSURER SEGMENT POLICY TYPE LOCATION POINTS REMARKS
UK 4.30 X
Lucknow, Gorakhpur, Allahabad,
2.00 X
Kanpur, Varanasi Above 1 to 5 Years
Rest of UP 3.80 X
NCR 3.30 X
UK, Rest of UP, NCR 4.30 X
Upto 2600 GVW Comprehensive
Lucknow, Gorakhpur, Allahabad, Above 5 to 10 Years
3.20 X
Kanpur, Varanasi
UK 4.50 X
Lucknow, Gorakhpur, Allahabad,
3.80 X Above 10 Years
Kanpur, Varanasi, NCR
Rest of UP 4.80 X
LIBERTY
UK, Rest of UP 2.00 X
Above 1 to 5 Years
NCR 2.30 X
UK 2.40 X
2601-4000 GVW Comprehensive UP 1.10 X Above 5 to 10 Years
NCR 2.80 X
UK 2.40 X
Above 10 years
NCR 2.80 X
4001 to 7500 GVW Comprehensive NCR 1.10 X Above 6 to 10 Years
1.20 X Above 1 to 5 Years
12000 - 20000 GVW Comprehensive UK
1.80 X Above 5 Years
1.00 X Above 1 to 5 Years
20001-40000 GVW Comprehensive UK
1.70 X Above 5 Years
DL 4.50 X -
HR 3.40 X -
Upto 2000 GVW
CHOLA Comprehensive UK 3.90 X -
UP 3.70 X -
3501-7500 GVW DL 0.60 X -
DL 5.80 X
NCR 5.40 X
Upto 2500 GVW Comprehensive UP - Eastern 4.90 X Upto 15 Years
UK,UA 4.40 X
Rest of UP 4.50 X
DL 3.90 X
Comprehensive -
2501-3500 GVW NCR 3.60 X Except - Mahindra Bolero 3490 GVW model
Upto 15 Years Only
UP - Eastern 1.10 X
Delhi 1.60 X Other Than "TATA & Ashok Leyland"
SBI
UA, UK 1.10 X Makes - Upto 15 Years Only
Comprehensive Delhi 1.80 X
12000 - 20000 GVW
Upto 15 Years Only UP - Eastern 1.50 X Only Ashok Leyland & TATA Makes -
Rest of UP 1.20 X Upto 15 Years Only
UA 1.10 X
UP - Eastern 1.60 X
Other Than "TATA & Ashok Leyland" Makes - Upto 15 Years Only
Rest of UP 1.40 X
20001 - 40000 GVW Comprehensive
UP - Eastern 1.80 X
Only Ashok Leyland & Tata Makes - Upto 15 Years Only
Rest of UP 1.60 X
DL, NCR 3.50 X
Upto 2800 GVW Comprehensive + Third Party Upto 15 Years
HR 1.80 X
2801-3500 GVW Delhi 2.60 X Only Delhi RTO Codes
Comprehensive + Third Party
2501-3500 GVW Allowed RTOs - UA&UK - 07 to 17 3.00 X -
( Upto 15 Years )
3501-7500 GVW Delhi, NCR 2.60 X TATA & ISUZU ONLY - CNG Fuel Only Allowed
Comprehensive + Third Party Delhi, NCR 1.50 X CNG Fuel Only Allowed
7501-12000 GVW
( Upto 15 Years ) Allowed RTOs - UA&UK - 07 to 17 0.80 X -
HR 1.50 X on OD
12001- 20000 GVW Comprehensive ( Upto 15 Years )
SHRIRAM UP-70, UP-78 0.80 X Only with NCB Cases Allowed
Comprehensive + Third Party
12001- 40000 GVW DL, NCR 1.00 X CNG Fuel Only Allowed
( Upto 15 Years )
Comprehensive UP-65 0.60 X
12001- 40000 GVW With NCB Only
( Upto 15 Years ) UP-35, 54, 60 0.80 X
Comprehensive
20001- 30000 GVW HR 1.50 X on OD 7 to 15 Years Only
( Upto 15 Years )
Comprehensive
30001 - 40000 GVW HR 1.50 X on OD 4 to 15 Years Only
( Upto 15 Years )
Comprehensive 1.30 X -
IFFCO All GVW DL, UK, UP, HR
Third Party 0.80 X -
UP 4.50 X UP West Declined
2500 GVW DL 5.00 X
Comprehensive + Third Party
NCR 5.50 X
MAGMA 2501 - 3500 GVW DL 1.30 X -
3501-12000 GVW DL 1.50 X
3500-7500 GVW Declined in UK
12001-20000 GVW Comprehensive + Third Party UK 1.30 X Only Upto 12000 GVW Allowed in Delhi
20001-43000 GVW UK 1.80 X
UP-3 , HR
2.40 X
Upto 2500 GVW ( In HR Only HR -68 Code Allowed )
DL, NCR, UP-1, UP-2 2.40 X
UNIVERSAL
Comprehensive + Third Party UP-2 1.60 X -
SOMPO
UP-1, UP-3, HR-68 2.40 X
2501-3500 GVW
HR-68 2.20 X
UK, DL , NCR 2.60 X
All GVW Comprehensive - New All RTOs 1.80 X + 0.50 X Brand New
All RTOs 1.80 X + 0.50 X Upto 7 Years - Renewal / Rollover
Upto 7500 GVW
All RTOs 1.70 X + 0.40 X Above 7 to 12 Years - Renewal / Rollover
NATIONAL
Comprehensive - Old All RTOs 1.60 X + 0.30 X Upto 7 Years - Renewal / Rollover
7501-34000 GVW
All RTOs 1.50 X + 0.30 X Above 7 to 12 Years - Renewal / Rollover
Above 34000 GVW All RTOs 1.30 X + 0.20 X Upto 12 Years - Renewal / Rollover

GCV - THIRD PARTY - LCV - MCV - HCV - GOODS CARRYING VEHICLE

INSURER SEGMENT POLICY TYPE LOCATION POINTS REMARKS
DL, NCR 3.00 X Only DL RTOs
Upto 2500 GVW Third Party
UP 2.50 X -
DL ,NCR 3.00 X Only DL RTOs
BAJAJ 2501-3500 GVW Third Party UP 2.50 X Mahindra Declined
UK 1.30 X -
3501-7500 GVW Third Party DL, NCR, UK 2.50 X In Delhi Only DL Rtos
15000-20000 GVW Third Party UK 0.60 X
12001 - 40000 GVW Third Party Delhi 1.20 X All Ages - Volvo & Scania Makes Declined
DIGIT
20001-40000 GVW Third Party Good UK 0.70 X Above 5 Years - Volvo & Scania Makes Declined
UP East 2.00 X
12000-20000 GVW - Truck Kanpur, Delhi NCR 1.30 X Above 5 Years - Only TATA and Ashok Leyland
UK 1.80 X
Third Party
UP East 2.00 X
12000-20000 GVW -
Delhi NCR 1.30 X Above 5 Years - Only TATA and Ashok Leyland
Tipper/ Dumper
UK 1.80 X
12000-20000 GVW - UP East 2.00 X
Third Party Above 5 Years - Only TATA and Ashok Leyland
Non Hazardouz Tanker UK 1.30 X
ICICI
20001-40000 GVW - Truck Third Party UP East, UK, Kanpur, Lucknow, Delhi NCR 1.30 X Above 5 Years - Only TATA and Ashok Leyland
20001 - 40000 - Tipper/Dumper Third Party UP East, UK, Delhi NCR 1.30 X Above 5 Years - Only TATA and Ashok Leyland
20001-40000 GVW - UP East 1.80 X
Third Party Above 5 Years - Only TATA and Ashok Leyland
Non Hazardouz Tanker UK, Kanpur, Lucknow, Delhi NCR 1.30 X
Lucknow 2.00 X
Above 40001 GVW - Truck Third Party Above 5 Years - Only TATA and Ashok Leyland
UP East, UK, Delhi NCR 1.30 X
Above 40001 GVW -
Third Party UP East, Delhi NCR 1.30 X Above 5 Years - Only TATA and Ashok Leyland
Non Hazardouz Tanker
Upto 2500 GVW Allowed RTOs:- DL, UK 4.50 X Upto 15 Years Only
Declined Makes & Models - MAN,
RAHEJA 2501-3500 GVW Third Party UP :- 14 & 16 HR :- 29, 32, 55, 79 3.30 X SWARAJ MAZDA, VOLVO, AMW,
3501-7500 GVW DL, UK, (UP - 14 & 16 Rto code only ) 2.30 X CAR CARRIERS, TRAILERS, CONTAINERIZED UNITS
UP-1, UP-2 ,UP-3 3.80 X -
Upto 2500 GVW Third Party
UK 3.60 X -
TATA
DL, HR, UK 1.70 X -
Above 3501 GVW Third Party
UP-2, UP-3 1.80 X -
NCR, UK 2.80 X -
Upto 2600 GVW
UP 1.90 X -
2601-4000 GVW Third Party NCR, UK 1.50 X -
LIBERTY UK 2.30 X -
4001-7500 GVW
NCR 0.50 X -
Lucknow, Allahbad,
Upto 7500 GVW Third Party 1.20 X -
Gorakhpur, Kanpur, Varanasi
 GCV - THIRD PARTY - LCV - MCV - HCV - GOODS CARRYING VEHICLE
INSURER SEGMENT POLICY TYPE LOCATION POINTS REMARKS
Upto 2500 GVW 4.60 X Other than Maruti & Tata Makes
2501-2750 GVW 4.20 X Ashok Leyland Makes
Third Party Delhi
2501-2750 GVW 2.50 X Other Than - Maruti , Tata & Ashok Leyland
2751-3500 GVW 3.00 X All Makes
2.00 X Upto 5 Years - All Makes Allowed
Delhi
1.90 X Above 5 Years - All Makes Allowed
RELIANCE
12001-20000 GVW Third Party Haryana, UK, Varanasi, UP-1 0.70 X All Makes Allowed - Upto 5 Years
HR. UP-1 1.30 X
All Makes Allowed - Above 5 Years
Dehradun, Varanasi, UK 0.80 X
1.20 X All Makes Allowed - Upto 5 Years
Delhi
20001 - 40000 GVW Third Party 1.80 X All Makes Allowed - Above 5 Years
HR 1.30 X All Makes Allowed - Above 5 Years
DL 3.50 X
HR 3.00 X
Upto 4 Years
UP 4.00 X
Upto 2000 GVW Third Party
UK 5.00 X
DL, HR, UP 4.00 X
Above 4 Years
UK 5.00 X
All RTOs 3.50 X Upto 4 Years
All RTOs 4.00 X 5-10 Years
2001 - 2500 GVW Third Party
DL, HR 4.50 X
Above 10 years
ROYAL UP, UK 4.00 X
SUNDARAM All RTOs 2.50 X Upto 10 Years
2501-3000 GVW Third Party DL 2.50 X
Above 10 years
HR, UP, UK 3.00 X
UK, DL, HR 2.50 X
5-10 Years
3001-7000 GVW Third Party UP 2.00 X
UP, UK, DL, HR 1.90 X Above 10 Years
UP, UK, DL, HR 1.90 X Upto 4 Years
DL, UK 3.50 X
7001 - 12000 GVW Third Party
UP 3.00 X Above 4 Years
HR 3.00 X
DL, HR 3.50 X
UP 2.00 X Upto 4 Years
UK 3.00 X
DL ,HR, UK 3.50 X
12000 - 25000 GVW Third Party 5-10 Years
UP 2.50 X
DL, HR 3.50 X
ROYAL UP 1.80 X Above 10 Years
SUNDARAM UK 2.20 X
DL 2.50 X
UK, HR 2.90 X Upto 4 Years
UP 2.30 X
25001-40000 GVW Third Party
DL,UK 3.00 X
UP 2.50 X Above 4 Years
HR 3.20 X
DL 3.80 X
CHOLA Upto 2000 GVW Third Party UK 3.20 X
UP 3.10 X
DL 5.90 X
NCR 5.70 X
Upto 2500 GVW Third Party Upto 25 Years
UP - Eastern 4.90 X
Rest of UP, UA 4.40 X
DL 4.10 X
Third Party
2501-3000 GVW NCR 3.90 X Except - Mahindra Bolero 3490 GVW model
SBI ( Upto 25 years )
UP - Eastern 1.60 X
Delhi 2.00 X
Third Party
12000 - 20000 GVW UP - Eastern 1.70 X All Makes
( Upto 25 years )
UA 1.40 X
UP - Eastern 2.00 X
20001 - 40000 GVW Third Party All Makes
Rest of UP 1.80 X
All RTOs 0.80 X Upto 3 Years
NATIONAL All GVW Third Party
All RTOs 0.50 X Above 3 Years

SCHOOL BUS / STAFF BUS

INSURER SEGMENT POLICY TYPE LOCATION POINTS REMARKS
School Bus Comprehensive + Third Party All RTOs 5.50 X -
Comprehensive Delhi, NCR, UP, UK 2.10 X
Above 10 Seater
BAJAJ Third Party Delhi, NCR, UP, UK 2.20 X
Staff Bus
Comprehensive DL, UK 0.80 X
Upto 10 Seater
Third Party DL, NCR, UP, UK 2.20 X
On Individual and School name with
School Bus 4.50 X
proper permit and Valid document
ZUNO Comprehensive + Third Party Delhi, NCR, UP
Individual and Corporate name with
Staff Bus 3.50 X
proper permit and Valid document
ALL RTOs 5.80 X Above 8 Seater Only - On School Name & On Transporter Name
School Bus
NCR, UP 4.50 X Above 8 Seater -On Individual Name
DIGIT Comprehensive + Third Party 4.70 X On Company Name - Above 10 Seater Only
Staff Bus ALL RTOs On Transporter Name - Above 10 Seater Only
2.60 X
- On Individual Name Declined
HR 6.00 X
Kanpur, Lucknow 5.50 X
Above 18 Seater
School Bus Comprehensive + Third Party UP East, UP West 6.00 X
ICICI DL , NCR, UK 6.30 X
All RTOS 5.50 X 10-18 Seater - School Vans Declined
UP West, Kanpur 3.00 X
Staff Bus Comprehensive + Third Party Above 18 Seater
UK 2.50 X
2.50 X Upto 14 Seating
School Bus All RTOs
6.50 X Above 14 Seating
TATA Comprehensive + Third Party
DL 4.50 X Above 14 Seating
Staff Bus
Rest All RTOs 4.50 X All Seating
5.20 X On School Name
School Bus Comprehensive + Third Party All RTOs
4.70 X On Other Name
RELIANCE
Comprehensive 3.20 X -
Staff Bs DL
Third Party 3.50 X -
ROYAL School Bus Comprehensive + Third Party All RTOs 5.50 X -
School Bus All RTOs 4.70 X Inspection Waiver
CHOLA Comprehensive + Third Party
Staff Bus (Excluding NCR) 4.20 X Without CPA Less 2%
Comprehensive 5.80 X Vehicle Age Upto 15 Years
SBI School Bus All RTOS
Third Party 6.00 X Vehicle Age Upto 25 Years
2.50 X Upto 15 Seater - Upto 15 Years Only
School Bus Comprehensive + Third Party All RTOs
4.00 X Above 15 Seater - Upto 15 Years Only
SHRIRAM
4.00 X Metro Cities - Upto 15 Years Only
Staff Bus Comprehensive + Third Party All RTOs
3.50 X Non Metro Cities- Upto 15 Years Only
Comprehensive 1.30 X -
IFFCO All Buses DL, UK, UP, HR
Third Party 0.80 X -
MAGMA School Bus Comprehensive + Third Party All RTOs 4.70 X SCHOOL BUS ON SCHOOL NAME ONLY
Comprehensive - New 2.50 X + 2.50 X -
All RTO's 2.50 X + 2.50 X Renewal / Rollover - Upto 4 Years
Comprehensive - Old
School Bus / College / Institution Buses 2.20 X + 2.20 X Renewal / Rollover - Above 4 - 12 Years
3.50 X Upto 3 Years
Third Party All RTO's
2.50 X Above 3 Years
NATIONAL
Comprehensive - New 1.80 X + 0.50 X Brand New
All RTO's 1.60 X + 0.30 X Renewal / Rollover - Upto 4 Years
Comprehensive - Old
Staff Bus / All Other Buses 1.50 X + 0.30 X Renewal / Rollover - Above 4 - 12 Years
0.80 X Upto 3 Years
Third Party All RTO's
0.50 X Above 3 Years
 TRACTOR
INSURER SEGMENT POLICY TYPE LOCATION POINTS REMARKS
BAJAJ Tractor Comprehensive + Third Party DL, UK 2.20 X Without Trailer
Good UP 3.00 X New
Comprehensive
DIGIT Tractor Good UK 2.20 X Upto 5 Years Only
Third Party Good UK 1.80 X Upto 5 Years Only
Comprehensive 2.50 X
SHRIRAM Tractor UP Upto 15 Years Only
Third Party 1.80 X
UK, UP-1 3.30 X -
Comprehensive - New Only UP-2 2.70 X -
UNIVERSAl HR 2.00 X Declined RTO - HR-27,74
Tractor
SOMPO UP-1 2.20 X -
Comprehensive - Old
UK 2.00 X -
Third Party UP-1, UK 1.50 X -
Comprehensive 1.30 X -
IFFCO Tractor DL, UK, UP, HR
Third Party 0.80 X -
HDFC Tractor Comprehensive - New UP 1.30 X New Only
UP-East 3.10 X -
UP West 3.00 X As per Selected RTO List
Comprehensive - New
Tractor Lucknow, Kanpur 3.50 X -
ICICI
( Without Trailer ) UK 0.80 X -
UP East, Kanpur 2.20 X -
Comprehensive - Old
UK 2.50 X -
Tractor
RELIANCE Comprehensive - New Dehradun, Varanasi, UP-1,UK 0.80 X New
( Without Trailer )
Comprehensive 3.20 X
CHOLA Tractor UK, UP -
Third Party 2.10 X
DL, NCR 3.10 X
Comprehensive - New Rest Of UP 3.50 X Brand New
Tractor & Harvester UA, UP Eastern 3.70 X
SBI
( Without Trailer ) DL, NCR 2.70 X
Comprehensive - Old UP 1.80 X Renewal / Rollover - 1-15 Years
UA 3.30 X
Comprehensive UP 2.50 X Bundelkhand + UP West to be Declined
MAGMA Tractor
Third Party UP 1.50 X for Comprehensive Policy
Comprehensive - New 1.90 X + 0.80 X Brand New
1.80 X + 0.60 X Upto 4 Years Age - Renewal / Rollover
Comprehensive - Old
NATIONAL Tractor All RTOs 1.50 X + 0.30 X Above 4-12 Years Age - Renewal / Rollover
1.30 X Upto 3 Years
Third Party
0.80 X Above 3 Years

MISD
INSURER SEGMENT POLICY TYPE LOCATION POINTS REMARKS
1.30 X New
Comprehensive
Delhi 1.80 X Old
Third Party 1.50 X Above 1 Years
Good UP 2.60 X -
JCB Comprehensive + Third Party Bad UP 1.80 X
HR 1.30 X
Good UK 1.80 X
Comprehensive
Bad UK 1.30 X
DIGIT
Third Party Good UK 1.30 X
Delhi 1.80 X
Comprehensive Bad UP 1.80 X
Good UK 1.90 X
Other Than JCB
MISD Delhi 1.50 X
Third Party Bad UP - Only Upto 5 Years
Good UK 1.30 X
Good UP 1.80 X
Comprehensive + Third Party
HR 1.30 X
HR, UP West, UK 3.00 X
MISD Comprehensive UP East 3.20 X Grid not applicable on Cranes & Transit Mixtures
ICICI
NCR, DL 2.00 X
Garbage Van Comprehensive All RTOs 3.00 X Tata Ace Maruti Super Carry Only & DL, NCR Declined
Comprehensive 1.30 X -
IFFCO MISD DL, UK, UP, HR
Third Party 0.80 X -
Comprehensive DL, UP, UK 1.80 X Excavator , Loader , Back Hoe Loader ,
CHOLA MISD Transit Mixer, Mobile Crane Carrying Vehicles,
Third Party DL 1.50 X Material Lifting Vehicles For Eg – Hydra

Comprehensive - New All RTOs 1.90 X + 0.80 X Brand New

Comprehensive - Old All RTOs 1.80 X + 0.60 X Upto 4 Years Age - Renewal / Rollover
NATIONAL MISD Comprehensive - Old All RTOs 1.50 X + 0.30 X Above 4-12 Years Age - Renewal / Rollover
Third Party All RTOs 1.30 X Upto 3 Years
Third Party All RTOs 0.80 X Above 3 Years
NOTE :- IN ICICI, DIGIT, SHRIRAM, TATA, ROYAL & BAJAJ - TW 1+5, KINDLY REFER RTO MASTER FOR DECLINED AND ALLOWED RTO CODES
IN SBI - ELECTRIC VEHICLES DECLINED FOR ALL SEGMENTS
IN SHRIRAM - PVT CAR ELECTRIC VEHICLES DECLINED FOR PAN INDIA & CV ELECTRIC VEHICLES DECLINED FOR - DELHI, NCR, UTTARAKHAND
IN SBI - PLEASE CHECK DECLINED RTO LIST FOR CV BUSINESS