Presentation is loading. Please wait.

Presentation is loading. Please wait.

B.G.PATKI ‘MOTOR’ RISK MANAGEMENT & AUTOMOBILE ACCIDENT TECHNOLOGY CONSULTANT B.G.PATKI.

Similar presentations


Presentation on theme: "B.G.PATKI ‘MOTOR’ RISK MANAGEMENT & AUTOMOBILE ACCIDENT TECHNOLOGY CONSULTANT B.G.PATKI."— Presentation transcript:

1 B.G.PATKI ‘MOTOR’ RISK MANAGEMENT & AUTOMOBILE ACCIDENT TECHNOLOGY CONSULTANT B.G.PATKI

2 MARCH TOWARDS TOWARDSMOTOR-DETARIFF

3 CURRENT SCENARIO VEHICLE POPULATION STATUS OF ‘MOTOR’ OUTG0ES IN OD OUTGOES IN LIABILITY

4 TARIFF ITS HISTORY

5 CONCEPT ALMOST 100 YRS OLD. INSURANCE ASSOSIATION OF INDIA MANY COS. WERE MEMBERS KNOWN AS TARIFF COS.

6 LAID DOWN RULES, RATES, RATES,CONDITIONSDISCOUNTS ADD-ON COVERS ETC. HAD TO BE STRICTLY FOLLOWED

7 TARIFF COS. HAD IDENTITY IDENTITY CONFIDENCE, FAITH OF THE INSURING PUBLIC SINCE MANY BIG & REPUTED COS WERE MEMBERS. CONFIDENCE, FAITH OF THE INSURING PUBLIC SINCE MANY BIG & REPUTED COS WERE MEMBERS. CONSCIOUS DECISION NOT TO INDULGE IN UNHEALTHY COMPETITION CONSCIOUS DECISION NOT TO INDULGE IN UNHEALTHY COMPETITION

8 AVOID PRICE WAR AVOID PRICE WAR SINCE TARIFF REGULATIONS PUT A BAR ON SUCH PRACTICES

9 FORMATION OF TAC AROUND LATE SIXTIES(1969) OUT OF INSURANCE ACT AROSE IMT

10 WHY TARIFF?

11 IN THE INITIAL DAYS OF THE GENERAL INSURANCE IN DEVELOPING COUNTRIES, GLOBALLY DESCIPLINED STRUCTURE OF THE PRODUCT WAS HIGHLY ESSENTIAL IN ABSENCE OF SUCH DESCIPLINE:

12 IN THE EXCITEMENT/ COMPETETION OF PROCURING THE BUSINESS INCOME PRICING COMPONENT IS THE IST VICTIM

13 EVEN RISK PATTERNS, PERILS, CONDITIONS WERE PUT ON BACK BURNER. JUDICIOUS RISK ADOPTION MOST LIKELY WOULD GET THROWN TO WINDS.

14 IN SUCH A SCENARIO DANGER LOOMING OVER THE COS. VIRTUALLY BITING MORE THAN THEY COULD CHEW.

15 RESULT? DANGER OF BANKRUPTCY. WHO ARE THE SUFFERERS?

16 1. INSURING PUBLIC 2. SHAREHOLDERS 3. EMPLOYEES

17 INSURANCE IS BASED ON PRINCIPLE OF PROBABILITY. CONCEPT HAS MAXIMUM RELEVANCE IN MOTOR, MARINE AMONGST OTHER PRODUCTS.

18 MOTOR FACES CONTINEOUS CHALLENGE NOT JUST LIABILITY BUT OD AS WELL OD LOSSES MINOR TO MAJOR TO TOTAL LOSS AND HAPPENING MENACINGLY ON REGULAR BASIS

19 MOTOR MANAGERS MAY NOT TAKE ADEQUATE CARE LEADING TO LOSSES RESULTING IN BANKRUPTCY OR AT LEAST CURB GROWTH IN TARIFF SCENARIO, EXPERTS HAVING OVERVIEW AS WELL AS EXPERTISE CAN

20 PRICE THE PRODUCT MAY BE HIGHER BUT MAY BE HIGHER BUT PROTECTING FROM THE PROTECTING FROM THEDISASTER

21 THIS PROCESS IS CALLED TARIFF

22 TARIFF IS SEEN AS THE PROTECTIVE RING.

23 CONSIDER FROM DAILY LIFE GARDENING: GARDENING: PLANTING TREES IN BACKYARD PLANTING TREES IN BACKYARD IRON FENCE AROUND IRON FENCE AROUND FOR SAFEGUARDING/ PROTECTION IN ITS FOR SAFEGUARDING/ PROTECTION IN ITS INITIAL YOUNG DAYS INITIAL YOUNG DAYS

24 VISUALISE WHEN TREE GROWS WHAT NATURALY FOLLOWS? TRUNK OF THE TREE LARGER THAN RAILING RAILING WHICH WAS PUT AROUND FOR PROTECTION

25 NOW IN GROWTH TREE WILL NEITHER BREAK IRON BAND NOR BAND WILL EXPAND BUT WILL START BITING INTO THE TRUNK OF TREE DEFEATING VERY PURPOSE WHY PROTECTIVE FENCE RING WAS PUT IN THE FIRST PLACE

26 WHAT IS THE SOLUTION? REMOVE THE PROTECTION IN TIME AND ALLOW THE TREE TO GROW TO ITS FULL POTENTIAL

27 SAME HOLDS TRUE FOR MOTOR INSURANCE INSURANCE TARIFF TARIFF

28 REMOVAL OF TARIFF, THE PROTECTIVE FENCE IS EXPECTED TO ALLOW THE EXPECTED EXPONENTIAL GROWTH & BLOSSOM TO ITS FULL POTENTIAL.

29 AFTER ALL, AUTOMOBILE INDUSTRY IS GROWING AT A TREMENDOUS PACE IN INDIA VIS-À-VIS MOTOR INSURANCE

30 NOW THAT THE TREE/ INDUSTRY HAS GROWN—GROWING—BLOSSOMING STAGE REACHED WHEN IT CAN TAKE CARE OF ITSELF WITHOUT ANY PARENTAL PROTECTION

31 THIS PARENTAL PROTECTION NOW NEEDS TO BE WITHDRAWN

32 THIS IN NUTSHELL IS DETARIFF FREE MARKET

33 NOW OVERVIEW PREPARE OURSLVES TO FACE THE NEW CHALLENGE DO IT YOURSELF HENCE PREPARE WORFORCE

34 IRDA CIRCULAR OF SEPT.05 TIME BOUND PROGRAMME FOR PREPARATION THE START OF NEW ERA. ‘MOTOR’ EXPECTED IN NEAR FUTURE THEREAFTER

35 EXPERIENCE, RELEVANT FACTORS WILL DIFFER REGIONWISE/ GEOGRAPHICAL ASPECTWISE THIS WILL PLAY A VITAL/ IMPORTANT ROLE

36 FACTORS HAVING DIRECT BEARING/ADVANTAGE ON MOST APPROPRIATE PRICING VIS-À-VIS CONDITIONS TO MAKE THE PORTFOLIO VIABLE/ PROFITABLE

37 PROFIT ANGLE SO FAR NEGLECTED NOW TO BECOME ESSENTIAL TOP PRIORITY

38 TECHNO- MARKETING CONCEPT: e.g. MASS MARKETING MASS MARKETING DISTRIBUTION CHANNEL DISTRIBUTION CHANNEL ALSO TO BE CONSIDERED

39 MARKETING EVEN Dr. PETER DRUCKER HAD SAID THAT COMMERCIAL ORGANISATIONS MUST MAKE PROFIT & HENCE STRATEGIES TO ESSENTIALLY INCLUDE PROFIT ANGLE

40 DETARIFF HAS INDIRECT BENEFIT ALSO INFLUENCE OF TRANSPORT ORGANISATIONS (WRIT PETITIONS) INFLUENCE OF TRANSPORT ORGANISATIONS (WRIT PETITIONS) MANUFACTURERS’ LOBBY MANUFACTURERS’ LOBBY DEALEARS’ LOBBY DEALEARS’ LOBBY MAY EVEN BE BROKERS’ LOBBY MAY EVEN BE BROKERS’ LOBBY

41 WILL BECOME IRRERELEVANT

42 FLEXIBILITY WILL GET ESTABLISHED SINCE CO.WISE DECISIONS WILL PREVAIL

43 THESE ARE SOME OF THE FEATURES OF THE REMOVAL OF THE TARIFF REGULATIONS

44 IN TARIFF REGIME LITTLE OR NO DISCRETION TO THE COs IN SHORT: TARIFF CAN BE MANAGED BY KIDS FREE MARKET IS FOR “ADULTS ONLY”

45 “ROAD MAP” MANY GUIDING POINTERS HAVE BEEN MADE AVAILABLE

46 ANACHRONISM IN TARIFF PRICING REGIME WILL NOW VANISH

47 AND CENTRALLY ADMINISTERED RATING REGIME WILL GET REPLACED BY COMPANY-SPECIFIC RATES & TERMS FOUNDED ON EXPERTISE AND EXPERIENCE

48 CURRENT SCENARIO :- INADEQUATE & LOPSIDED PRIMIUM FLOWS & HIGH LOSSES IN TPL & OD FREE MARKET RATING SYSTEM WILL REMOVE THESE IMPEDIMENTS

49 LEAKAGES, INFLATED CLAIMS MANAGING CLAIMS COST MORE EFFECTIVELY WILL BECOME THE URGENT NEED FOR UNDERWRITERS

50 DAYS OF ADMINISTERED PRICING OVER MARKET TO BE GIVEN FREE PLAY WITH PROPER REGULATORY MECHANISM TO CONTROL DEVIATION

51 HENCE FILE AND USE SYSTEM INEVITABLE

52 NO WHIMSICAL PREMIUM RATING COS. TO JUSTIFY PRICING & OFFER ONLY AFTER IRDA APPROVAL

53 HOW TO GO ABOUT THIS WHOLE PROCESS OF DETARIFF?

54 TWO BASIC ASPECTS:- RATE STRUCTURE & PRODUCT DESIGN

55 SUGGESTIONS SUGGESTIONS

56 RFRS:-----RISK FACTOR RATING SYSTEM RFRS:-----RISK FACTOR RATING SYSTEM IT IS PREVAILANT IN OVERSEES MARKET. IT IS PREVAILANT IN OVERSEES MARKET. E.G. SINGAPORE MARKET,AUSTRALIA, CANADA, ENGLAND, GERMANY, JAPAN ETC. THIS SYSTEM CAN PROVIDE STATISTICALLY BASED PRICING AS OPPOSED TO SI/ IEV/ IDV SYSTEM CURRENENTLY EXISTING IN INDIA

57 EXISTING IEV/ IDV BASED PRICING HAS BECOME OUTDATED e.g. COST OF ONE BUMPER OF HIGH VALUE VEHICLE MAY SIMPLY WIPE OUT ENTIRE PREMIUM COST OF ONE BUMPER OF HIGH VALUE VEHICLE MAY SIMPLY WIPE OUT ENTIRE PREMIUM

58 RFRS GENERALLY TAKES INTO ACCOUNT, INTER ALIA, FOLLOWING FACTORS:- VEHICLE RELATED [INCL. ACCIDENT COST WISE] VEHICLE RELATED [INCL. ACCIDENT COST WISE] OWNER RELATED OWNER RELATED DRIVER RELATED DRIVER RELATED USE RELATED USE RELATED CL EXPERIENCE CL EXPERIENCE

59 AT LEAST THREE OF THE ABOVE RISK FACTORS VIZ. 1. AGE OF VEH 2. ENGINE CAPACITY 3. GEOGRAPHICAL AREA ARE ALREADY INTRODUCED IN THE PRESENT TARIFF

60 AFTER INTRODUCING MATRIX SYSTEM IN TP MARKET IS ALREADY ATTUNED TO APPLYING DIFFERENTIAL RATING FACTORS HENCE FOR LAST 3-4 YRS. DATA SHD. BE AVAILABLE ?

61 1. VEH RELATED MAKE/ MODEL MAKE/ MODEL ENG. POWER ENG. POWER AGE OF VEH AGE OF VEH CARRYING CAPACITY/ GVW CARRYING CAPACITY/ GVW SAFETY FEATURES[SPECIALISED JOB] SAFETY FEATURES[SPECIALISED JOB] REPAIR AND REPLACEMENT COSTS REPAIR AND REPLACEMENT COSTS

62 2 DRIVER/ OWNER RELATED AGE AGE DRIVING EXPERIENCE DRIVING EXPERIENCE DRIVING RECORD DRIVING RECORD HEALTH & HABBITS HEALTH & HABBITS

63 3 USE RELATED ANNUAL MILEAGE RUN ANNUAL MILEAGE RUN GEOGRAPHICAL LOCATION GEOGRAPHICAL LOCATION PERSONAL, COMMERCIAL PRIVATE, COMMERCIAL FOR HIRE PERSONAL, COMMERCIAL PRIVATE, COMMERCIAL FOR HIRE TYPE OF GOODS TRANSPORTED TYPE OF GOODS TRANSPORTED

64 OTHER FACTORS 1. THEFT-PRONENESS OF VEH OR ITS PARTS 2. FREQUENCY AND NATURE OF ACCIDENTS 3. NAMED DRIVER 4. OCCUPATION OF OWNER

65 5 TRAFFIC CONVICTION RECORD 6 SPECIAL DRIVING EDUCATION, SAFETY TRAINING 7 MEMBERSHIP OF AUTOMOBILE ASSOCIATION ETC. ABOVE FACTORS ARE INDICATIVE NOT EXAUSITIVE

66 STATISTICAL DATA ON THE ABOVE MENTIONED FACTORS WILL UNDOUBTEDLY HELP ACTURIAL SCIENCE TO FRAME THE RATE STRUCURE HENCE STATISTICAL DATA OF VITAL IMPORTANCE

67 BUT-----?

68 SHARING MY EXPERIENCE WITH YOU

69 ANY ONE OF THE PUBLIC SECTOR GIANTS IS AN OCEAN OF DATA. IN FACT EVEN COUPLE OF REGIONS CAN PROVIDE VITAL DATA BASE TO FORMULATE THE RATE PATTERN

70 HOWEVER, WHILE THE DATA WILL PROVIDE BASIC CONSIDERATION FACTORS, SHALL WE BASE OUR FUTURE RATING ON THE CURRENT POSITION OF THEIR OUTGO/INC. CL. RATIOS?

71 IF WE DO THAT IT WILL BE THE BIGGEST BLUNDERWHY?

72 INC. AMT/CL. OUTGO IS TOTALLY DISPROPORTIONATE TO CO’S ACTUAL LIABILITY AS PER THE PRODUCT BOTH IN OD & LIABILITY

73 PROFESSIONALS & AUTOMOBILE ACCIDENT TECHNOLOGY SCIENCE IDENTIFIES THIS EXCESS OUTGO AS INFLATED CLAIMS--- LEAKAGE

74 CLAIMS OUTGO GOES UNCONTROLLED DUE TO VARIOUS REASONS, INTER ALIA, LACK OF SCIENTIFIC/MEHODICAL MANAGEMENT SYSTEM

75 HENCE WORKING OUT RATE PATTERN ON THIS OUTGO WILL MEAN UNSCIENTIFICALLY HIGHER PREMIUM RATE

76 IF PROFIT ANGLE IS TO BE THE PRIME FACTOR

77 IMFLATED ESTIMATES CONTROL OVER ACCURACY OF ASSESSMENTS BOTH IN OD & TP HIGHLY ESSENTIAL

78 WHAT IS THE CURRENT SCENARIO? INDUSTRY EXPERTS VIEW/ RESEARCH MY RESEARCH MY RESEARCH

79 EXCESS OUTGO IN OD EXCESS OUTGO IN OD THIS IS ON PRESENT PRICING WILL IT NOT MEAN THERE IS SCOPE FOR LOWERING CURRENT PRICE, ALBEIT SCIENTIFICALLY?

80 HOW TO PREPARE FOR THE NEW ERA IS THE GREAT CHALLENGE AHEAD.

81 CURRENT RATE PATTERN IS LOPSIDED. E.G.PVT.CAR:- OD:---RANGE—Rs.3.039% TO Rs %, HARDLY DIFFERENCE OF 0.659% WHILE RISK VARIATION IS TREMENDOUS

82 LIABILTY PR.:- Rs. 400/- TO Rs. 600/- CROSS SUBSIDY EXISTS

83 COMM. VEH:- GOODS [A1] OD:-1.726% TO 1.839% RATE VARIATION: % LIABILITY:- Rs. 3280/- TO Rs.3980 RISK VARIATION TREMENDOUS---AND SO ON.

84 PLEASE REMEMBER, UNLIKE IN THE YESTERERA, TODAY EACH MODEL OF EVERY MANUFACTURER IS A DIFFERENT RISK FOR UNDERWRITERS A DIFFERENT RISK FOR UNDERWRITERS

85 PROFIT ANGLE MOST VITAL

86 RISK ASSESSMENT OF EACH MODEL TO BE CARRIED OUT FOR ARRIVING AT PR. RATE MODELWISE

87 EXPERIENCE, EXPERTISE OF “MOTOR” & AUTOMOBILE ACCIDENT TECHNOLOGY WILL BE MOST ESSENTIAL TO PRICE THE PRODUCT BOTH IN OD & TP [SUBJECT MATTER OF INSURANCE IS AUTOMOBILE]

88 AUTO-ACCDT- TECHNOLOGISTS/MOTOR RISK MANAGERS TO ASSESS RISK OF INDIVIDUAL MAKE & MODEL E.G.

89 G.M.PRODUCTS---OPEL, CHEVROLET, CORSA, SWING, TAVERA TOYOTA—COROLLA, QUALIS, CAMRY SKODA, MERCEDES, FORD ETC. MITSUBISHI LANCER. COMMERCIAL VEH TATA 3516

90  ELIMINATE CROSS SUBSIDY FOR PVT CAR– LIKE HYUNDAI ACCENT, SONATA TETRA CAN PVT CAR– LIKE HYUNDAI ACCENT, SONATA TETRA CANBALENO FIAT– PALIO, SIENNA HONDA—CITY, ACCORD

91 VOLVO LEYLAND—HEAVY MODELS MOTOR CYCLES—HERO HONDA, PULSAR ETC. RISK ASSESSMENT+ ACCIDENT REPORTING RANGE ESSENTIAL RISK ASSESSMENT+ ACCIDENT REPORTING RANGE ESSENTIAL

92 HENCE ACCIDENT REPAIRING COST (POST AUTOMOTIVE REPAIRS) FOLLOWING FACTORS TO BE ASSESSED LABOUR CHARGES/TIME SCHEDULE & RATE LABOUR CHARGES/TIME SCHEDULE & RATE PAINTING COMPONENT/ TECHNOLOGY PAINTING COMPONENT/ TECHNOLOGY SPARE PART PRICING SPARE PART PRICING ACCIDENT PRONE CLAIM PRONE PARTS ACCIDENT PRONE CLAIM PRONE PARTS

93 SPARE PART PRICE REVISION PATTERN SPARE PART PRICE REVISION PATTERN PML-----PAL CONCEPT PML-----PAL CONCEPT

94 MFGS/DEALERS’ CURRENT STRATEGY TO EARN TREMENDOUS PROFITS THROUGH ACCIENT REPAIRS JOBS AT THE COST & CHAGRIN OF THE INSURANCE COs WILL GET ELIMINATED

95 CURRENT LIVE AND LET DIE POLICY CURRENT LIVE AND LET DIE POLICYWILL GET REPLACED BY LIVE AND LET LIVE APPROACH

96 HENCE DIALOGUE WITH MFGS ON ALL ABOVE MENTIONED FACTORS. ALSO

97 STUDY OF MODEL DESIGN POSITIONAL STRUCTURE OF ACCIDENT PRONE PARTS, ELCTRONIC PARTS, TURBO ETC.

98 TO KNOW FROM THE MFGS THE STANDARD OF ACIDENT REPAIRING FACILITIES AND COMPETENCE OF THE DEALERS E.G. BODY PARTS,FRAMES, AXLES ETC.

99 SINCE THESE ARE THE REAL CONSIDERATION FACTORS TO PRICE THE INDIVIDUAL PRODUCT METHODICALLY FOR VIABILITY

100 BETTER UNDERSTANDING WILL PREVAIL

101 MY VIEWS: EACH MODELWISE RISK ASSESSMENT IS A MUST. EACH MODELWISE RISK ASSESSMENT IS A MUST. BROADLY SPEAKING IN GENERAL: SCOPE FOR 20% REDUCTION OF PRESENT RATING IN OD WHILE:-

102 LIABILITY PR. NEEDS TO BE LOADED BY 25% --30%. THIS IS ONLY POSSIBLE FOR THOSE WHO WILL HAVE A DESIRE TO MANAGE THE PORTFOLIO SCIENTIFICALLY

103 IN GENERAL:_ ACCIDENT RATE IN INDIA. CLAIM REPORTING RATE.

104 CONTROL & ELIMINATE THE LEAKAGE RESULTING IN EXCESS OUTGO.

105 COMPETETIVE PREMIUM-SETTING MODEL IS EXPECTED TO ENSURE NEITHER EXCESSIVE PRICING NOR NON-VIABLE PREMIUM THROUGHUNDERCUTTING

106 POLICY TERMS / CONDITIONS WILL GET POLICY TERMS / CONDITIONS WILL GETRESTRUCTURED LANGUAGE OF FINE PRINT WILL BE MADE SIMPLE TO UNDERSTAND BOTH TO INSUREDS AND CO PERSONNEL

107 NEW ADD-ON COVERS TO BE EVOLVED MOST DOMINATING/ NEEDED IS LOSS OF CONVEYANCE THIS IS THE NEED OF THE TIME

108 E.G. LOSS OF USE LOSS OF USE SUBSTITUTE VEH WITH OR WITHOUT DR SUBSTITUTE VEH WITH OR WITHOUT DR CONVEYANCE EXPENCES CONVEYANCE EXPENCES LOSS OF INCOME/PROFIT THROUGH BUSINESS INTERRUPTION LOSS OF INCOME/PROFIT THROUGH BUSINESS INTERRUPTION PLUS NEW INNOVATIVE IDEAS WILL EMERGE PLUS NEW INNOVATIVE IDEAS WILL EMERGE

109 THIS WILL REQUIRE REPAIR TIME SCHEDULE DATA TO BE BUILT UP VIS-À-VIS ASSESSMENT OF THE REPAIR TIME FOR COMPETETIVE VIABLE PRICING

110 FOR ALL THIS TO STAY AHEAD IN THE MARKET FOR ALL THIS TO STAY AHEAD IN THE MARKET COS WILL HAVE TO DEVELOP SPESIALISATION EITHER INHOUSE OR BY OUTSOURCING

111 COMPETETION WILL COMPETETION WILLBEFIERCE

112 IN FREE MARKET IN FREE MARKET ONLY THOSE UNDERWRITERS ONLY THOSE UNDERWRITERS WILL EMERGE WINNERS WHO WILL ADOPT SPECIALISED, SCIENTIFIC CONTROL METHODS BOTH IN OD AND TP SEGMENTS &

113 ENSURE THEIR CORPORATE GOVERNANCE

114 THE EXISTING LEAKAGE THE EXISTING LEAKAGE WILL HAVE TO BE ELIMINATED COS WILL HAVE TO BE AGGRESSIVE IN THEIR MARKETING STRATEGIES

115 THIS WILL POSE A REAL CHALLENGE TO EACH CO. THOSE WHO DO NOT ADOPT SUCH A GOVERNANCE WILL BE FIGHTING FOR SURVIVAL

116 CHALLENGE WILL BE TO KEEP STRICTER SCIENTIFIC CONTROL OVER SURVEYORS’ PERFORMANCE SURVEYORS’ PERFORMANCE ADVOCATES’ PERFORMANCE ADVOCATES’ PERFORMANCE

117 CHALLENGE AHEAD IS CHALLENGE AHEAD IS TO BE PROFESSIONAL MOTOR MANAGERS NO COMPROMISE ON THIS ASPECT

118 IN THE FREE MARKET ERA, NO SCOPE FOR CASUAL INEFFICIENT NO SCOPE FOR CASUAL INEFFICIENT APPROACH OF MANAGEMENT APPROACH OF MANAGEMENT OF PORTFOLIO

119 FOLLOW ANY PATTERN SCIENTIFIC RISK MANAGEMENT/ EFFECTIVE MANAGEMENT WILL HAVE TO BE ENFORCED STRICTCLY WITH PRECISION

120 HENCE THE ONLY OPTION IS TO EVOLVE SPECIALISED SCIENTIFIC METHODS OF BOTH OD & LIABILITY MANAGEMENTAND ENSURE ITS ENFORCEMENT

121 REMEMBER MOTOR IS A VERY GOOD PORTFOLIO PROFITABILITY DEPENDS ONLY ON HOW IT IS MANAGED

122 IN DETARIFF ERA VIBRANT MOTOR INSURANCE MARKET WILL EMERGE

123 THANK YOU B.G.PATKI


Download ppt "B.G.PATKI ‘MOTOR’ RISK MANAGEMENT & AUTOMOBILE ACCIDENT TECHNOLOGY CONSULTANT B.G.PATKI."

Similar presentations


Ads by Google