Motor loss ratio may not stabilize quickly
Competitive pricing and higher renewal mix have pushed motor OD loss ratio to 75.6%. Corrective actions may take time to show results, and further deterioration could pressure profitability.
GODIGIT / Q3-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
high
EUM regulation changes could impact business mix
Management highlighted that the current EUM framework may be revised to a segment-wise basis, which could force changes in product mix and commission structures.
Reinsurance cost for tail risk may not be justified
The company has taken motor reinsurance on a funds-withheld basis to protect against tail risks from electric two-wheelers. If claims experience improves, this cost may prove unnecessary.
GST risk from reinsurance commission offset practices
Management warned that some competitors offset reinsurance commission against expenses to manage EUM, which may attract GST liability. Digit avoids this practice, potentially putting it at a competitive disadvantage.