Zurich Kotak General Insurance is a general insurance company licensed by IRDAI (registration number 152). Its solvency ratio of 2.84× as of Q1 FY26-27 exceeds the IRDAI mandatory minimum of 1.5×, ranking 5th among 27 general insurers. The company reported gross written premium of ₹625 crore in Q1 FY26-27, ranking 11th by premium among 15 general insurers. Its incurred claim ratio of 86.0% in Q1 FY26-27 is above the general insurer median of 85.6%, ranking 16th among 27 general insurers. Its combined ratio of 132.0% in Q1 FY26-27 is above 100%.
Peer rank among general insurers with data for that metric. Not shown when fewer than 3 peers have data.
A snapshot, not a time series — see Underwriting Performance, Revenue Mix and Distribution Mix for how these move quarter to quarter.
How to read this page
GWP — Gross Written Premium: total premium underwritten, including any reinsurance accepted.
GDPI — Gross Direct Premium Income: premium from direct business only. Insurers disclose both; they are not the same number.
ICR — Incurred Claims Ratio: net incurred claims ÷ net earned premium.
Commission ratio — net commission paid ÷ net written premium.
Combined ratio — (incurred claims + expenses + commission) ÷ net earned premium. Below 100% means an underwriting profit, before investment income.
Solvency ratio — available solvency margin ÷ required solvency margin. IRDAI's regulatory minimum is 1.50×.
This page shows figures in ₹ crore; the detail pages it links to (Underwriting Performance, Distribution Mix) show the same facts in ₹ lakh as filed. Where a filing for a given period couldn't be located, this site says "Not disclosed" rather than estimating.
GWP, Q1 FY26-27
₹625 cr
GDPI, Q1 FY26-27
₹625 cr
Gross Direct Premium Income
Zurich Kotak General Insurance: Retail business — Motor — made up 39.2% of gross direct premium in Q1 FY26-27; Brokers carried 63.5% of premium in Q1 FY26-27.
Line of business — Q1 FY26-27 (₹ crore, % of GDPI)
Retail: bought directly by an individual (Motor). Hybrid: designed for individuals but sold in a group structure (Health, Personal Accident, Travel). Commercial: the end beneficiary is a business (Fire, Marine, Engineering, Liability, Aviation, Crop, Credit and other specialty lines).
Segment
Gross direct premium
Share
Retail
₹245 cr
39.2%
Hybrid
₹211 cr
33.7%
Commercial
₹169 cr
27.1%
Grand total
₹625 cr
100%
Retail/Hybrid/Commercial is this site's own classification of IRDAI's filed segments, not an IRDAI-defined category — see Underwriting Performance for the full per-segment detail this rolls up from.
Channel mix — Q1 FY26-27 (₹ crore, % of premium)
Channel
Premium
Share
Brokers
₹397 cr
63.5%
Banks
₹111 cr
17.7%
Direct non-website
₹39 cr
6.3%
Corporate Agents
₹38 cr
6.1%
Agents/POSP
₹36 cr
5.7%
Direct Website
₹4 cr
0.6%
Others
₹1 cr
0.1%
Total
₹625 cr
100%
Regrouped from IRDAI Form NL-36's finer channel list — Agents/POSP = Individual agents + Point of Sales Persons; Others = Micro agents, Common Service Centres, Insurance Marketing Firms, MISP, Web aggregators and Referral arrangements. See Distribution Mix for the full unrounded breakdown.