Kiwi General Insurance launches car insurance in India

Kiwi General Insurance has launched operations in India, entering the private motor insurance market with a product built on a proprietary technology platform.

The digital insurer, backed by Westbridge Capital and founded by insurance veterans Neelesh Garg and Saurav Jaiswal, received regulatory approval in March 2026.

Kiwi’s motor insurance offering includes several features designed to differentiate the claims experience. Its Super NCB feature reduces a policyholder’s no-claim bonus by one level after a claim rather than resetting it entirely. Flexi Repair allows customers to combine minor vehicle damages into a single claim, while InstaCash provides an upfront payment when a vehicle is admitted for repairs. The insurer also offers PayFirst, which enables customers to use repair shops outside its cashless network and receive an immediate payout.

The company is distributing its products through a hybrid model combining digital channels and agents. According to Kiwi, partners can be onboarded digitally in a single day and gain access to tools such as performance dashboards and claims trackers.