– Motor, health, crop & fire insurance drive volume – Shorter tenure = faster premium churn – Room for pricing innovation and tech disruption
Top General Insurance Stocks to Watch
– ICICI Lombard – Tech-savvy, diversified product mix – New India Assurance – PSU player with legacy reach Go Digit (if listed) – New-age insurer with strong digital model
Why General Insurers Are Worth Tracking
– Short-term policies allow quicker repricing – Rising awareness in health and motor insurance – Data analytics driving better claim prediction
Risks in General Insurance
– Natural disasters spike claims unexpectedly – Intense price-based competition in motor insurance – Regulatory control on premium caps
Investment Insights
– Focus on 2–3 year horizon – Buy low, wait for re-rating