Most Trusted Car Insurance
Kiwi Car Insurance
A Kiwi car insurance policy helps protect you against financial losses that may arise from accidents, theft, natural disasters, and other unforeseen events on the road. It also makes sure that your car meets the mandatory insurance requirements as per the Indian Motor Vehicles Act, 1988. You can also enhance your basic Kiwi car insurance coverage by opting for add-on covers for an extra premium.
About Kiwi General Insurance
KIWI General Insurance Limited is one of India's newest general insurance companies, with a strong digital-first approach and a customer-focused claims process. Built by industry veterans, Kiwi aims to strengthen competition in the Indian non-life insurance sector by making vehicle protection simpler, smarter, and more accessible for car owners. Whether you're buying your new car policy or switching from another insurer, Kiwi makes the entire experience straightforward — from getting a quote to settling a claim.
Key features of Kiwi Car Insurance
Third-Party Coverage
Yes
Claim Settlement Ratio
N/A
Personal Accident Cover
Up to Rs. 15 Lakh
Super No Claim Bonus (NCB)
Up to 90%
No. of Zero Dep Claims
2
No. of Non-ZD Claims
Unlimited
Get Super NCB Protection with Kiwi Car Insurance
With regular car insurance policies, any claim you make resets your accumulated No Claim Bonus to 0. It means that you lose the discount you earned for claim-free years. However, Kiwi car insurance comes with the Super NCB benefit, which does not reduce your NCB to zero after a claim. Instead, it drops by only one slab.
Here is an example:
The Super NCB in Kiwi car insurance allows you to continue enjoying renewal discounts even after making a claim. Thus, it offers greater financial protection by helping you keep a large portion of your accumulated No Claim Bonus.
Types of Kiwi Car Insurance Policies
The Kiwi General Insurance offers the following types of car insurance for vehicle owners:
Kiwi Third-Party Car Insurance
Third-party insurance covers legal liabilities arising from injuries, death, or property damage caused to a third party by your insured car. It is mandatory under Indian motor laws.
Kiwi Standalone Own Damage Insurance
Standalone Own Damage (OD) insurance covers damages to your own vehicle and can be purchased separately if you already have an active third-party insurance policy.
Kiwi Comprehensive Car Insurance
Comprehensive car insurance by Kiwi General Insurance provides wider protection by covering both third-party liabilities and damages to your own car caused by accidents, theft, fire, floods, storms, and other covered risks.
Coverage Under Kiwi Car Insurance
What is Covered?
Third Party Liability
Damages involving third-party death, bodily injury or property damage.
Accidental Damages
Damages caused to the insured car due to an accident.
Theft
Losses arising from theft or burglary of the insured car.
Fire
Damages to the insured car caused by fire or explosion.
Natural Calamities
Damages caused by floods, cyclones, storms, earthquakes and similar events.
Man-Made Acts
Damages caused by riots, strikes, vandalism and other man-made events.
In-Transit Damages
Damages caused to the insured car while in transit by road, rail, inland waterway, lift or elevator.
What is not Covered?
Illegal Driving
Damages caused while driving without a valid licence or under the influence of alcohol or drugs.
Depreciation and Wear and Tear
Normal depreciation, wear and tear of the insured car are not covered.
Mechanical or Electrical Breakdown
Mechanical or electrical breakdowns of the insured car are not covered.
Consequential Losses
Losses that do not directly result from the insured accident are not covered.
Policy Exclusions
Claims falling under the exclusions specified in the insurer's policy terms and conditions.
Kiwi Car Insurance Add-Ons
Zero Depreciation Cover
When you file a claim under a standard comprehensive policy, the insurer deducts the depreciated value of the replaced parts from the claim amount, which you need to pay from your pocket. But with the zero-depreciation add-on in car insurance, this deduction is waived, and the insurer covers the full cost of the replacement parts.
Engine Protect
With the engine protect add-on, the insurer covers the repair or replacement of the car's engine, gearbox, crankshaft, and other components damaged by waterlogging.
Loss of Personal Belongings
The personal belongings add-on offers compensation for the loss of any personal items that were inside your car during the accident or theft.
Consumables Protect
A consumables protect add-on covers the cost of replacing small items, such as engine oil, gear oil, nuts, bolts, screws, washers, grease, oil filter, etc., due to accidental damage.
How to Buy or Renew Kiwi Car Insurance Online?
Here is a straightforward process to buy Kiwi car insurance online or renew your existing policy:
How to File a Claim Under Kiwi Car Insurance?
The Kiwi car insurance claim process involves the following steps:
Registration
Inform the Kiwi General Insurance company about the incident.
Claim Request
Register the claim request.
Documents
Submit the required documents.
Inspection
A surveyor will inspect your car for damages.
Approval
Upon approval, you can take your car for repairs.
Settlement
Cashless- Insurer pays the garage directly. Reimbursement- You pay first, insurer reimburses later.
Documents Required to Raise a Claim Under Kiwi Car Insurance
The Kiwi General Insurance Limited may require the following documents when you file a car insurance claim:
Car Insurance for Popular Brands in India
FAQs - Kiwi Car Insurance
-
Is Kiwi General Insurance approved by IRDAI?
Yes. Kiwi General Insurance received its registration approval from IRDAI in March 2026, allowing it to operate as a general insurance company in India. -
Does Kiwi offer car insurance?
As a licensed general insurer, Kiwi may offer motor insurance products. Customers should check the insurer's latest product portfolio for availability. -
Can I buy Kiwi car insurance online?
If online purchase facilities are made available by the insurer, customers will be able to buy policies digitally through authorised channels. -
Will Kiwi offer comprehensive car insurance?
The insurer may introduce comprehensive car insurance plans, subject to product approvals and launch timelines. -
Is third-party car insurance mandatory?
Yes. Third-party car insurance is mandatory for all vehicles driven on Indian roads under the Motor Vehicles Act.
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#Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc
*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
+Savings are based on the maximum discount on own damage premium as offered by our insurer partners.
^Lowest Price Guaranteed is based on certifications shared by insurers with us. Policybazaar will facilitate price matching subject to the terms and conditions of select insurers.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.
