Two-wheeler mix pressure on profitability
High growth in two-wheeler business (30% of motor mix) depresses reported combined ratio due to upfront commission recognition under IGAP.
GODIGIT / Q2-FY26 / risks
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Go Digit General Insurance · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
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Motor OD loss ratio increase from new vehicle sales
Analyst raised concern that lower IDV post-GST cut could worsen OD loss ratios; management acknowledged but said pricing review will happen in November.
Competitive intensity in group health
Pricing in group health remains intense; management noted loss ratios could rise if tariff revisions don't materialize.
EV claims risk not fully priced
Management admitted EV cars have 20-25% higher loss ratios in flood claims, and the industry may not be pricing adequately.