Mumbai, June 5, 2026: Kiwi General Insurance It is a digital-native insurance company set up to redefine the insurance experience in India. Today the company announced its official entry into the market with a clear philosophy of ‘Your Peace, Our Policy’. This philosophy represents the company’s goal of making the insurance process simpler, faster and more reliable for consumers. The company started its operations with motor insurance for private cars, which was designed with a focus on ease of claims, not just premium.
Founded by industry veterans Nilesh Garg and Sourav Jaiswal and backed by Westbridge Capital, ‘Kiwi’ has received regulatory approval in March 2026. Powered by its own in-house technology system, Kiwi is designed to address age-old customer concerns and deliver hyper-personalized solutions. The company has chosen ‘Motor Insurance’ as its first comprehensive product. Consumers are often reluctant to file claims due to slow claims processing and fear of losing their benefits (eg bonuses). Kiwi’s Motor Insurance Direct is designed to address these issues and eliminate all claims related concerns of customers.
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Emphasizing the need for systemic change, Nilesh Garg, Founder, Kiwi General Insurance, said, “The insurance industry has long been plagued by outdated processes that create fear among consumers. Our mission is to rebuild it from core principles using technology, data and disciplined execution. Our focus is on making the insurance process simple, fast and consistent. Through Kiwi, we are building an organization that our customers and partners can truly trust. The philosophy, ‘Your Peace, Our Policy,’ reflects our commitment to creating a more reliable insurance experience.”
Sourav Jaiswal, MD & CEO, Kiwi General Insurance, said, “Today’s customers expect clarity, speed and reliability, especially at critical moments. At Kiwi, our focus is on making every interaction simple, fast and predictable. From instant policy issuance and real-time claim tracking to fast decisions and single-point ownership, every element is designed to reduce ambiguity. We aim to set a new benchmark in how insurance is provided, starting with motor insurance. For us, ‘Your Peace, Our Policy’ is not only our philosophy but our commitment behind every product we create and every interaction we design.”
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This product introduces industry-first innovative features aimed at solving real customer pain points. This ‘Super NCB’ reduces the no-claim bonus even after filing a claim by just one rung on the discount scale instead of going straight to zero, allowing customers to get up to 40 per cent more discount than the standard design. Also, ‘Flexi Repair’ allows customers to file smaller claims and then consolidate them with larger claims, so they don’t have to repeatedly pay the mandatory deductibles for each smaller claim. For instant cash assistance it has the facility of ‘InstaCash’, which transfers money directly to the customer’s account on the same day of vehicle repair. Apart from this, the company is also launching ‘PayFirst’, through which customers can get their car repaired at any of its trusted out-of-network garages and get an instant payout.
Kiwi’s worry-free promise also extends to its distributor network, where digital onboarding and shared claim trackers allow agents to focus entirely on customer service without administrative hassles. Kiwi’s operating model combines advanced technology with human collaboration (hybrid model) to eliminate complications and delays in the insurance industry. Instant policy Every element of this, like issuance, real-time claim tracking and hassle-free policy endorsements (changes), has been designed to ensure transparency, speed, empathy and fairness throughout the lifecycle.
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