Acko Car Insurance

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Acko Car Insurance

Acko General Insurance is one of the newest private sector general insurance providers in India. The company was founded in November 2016 and follows a complete online-led model of selling insurance products.

Note: All information has been sourced from the official website of Acko General Insurance India.


1. Acko General Insurance partnered with Ola cabs and launched an in-trip insurance program in more than 110 cities in India.

2. Acko General Insurance partnered with Amazon India to provide mobile insurance plans on the retailer's website.

Reason for choosing Acko Car Insurance

  • Lower Prices: With Acko Car Insurance, you get the best price every single time. Acko offers a variety of deals and discounts on premiums.
  • Convenient: With Acko Car Insurance, you can buy car insurance instantly, simply at the click of a button. Every step is conducted online, be it for purchase, support, claims or renewal.
  • Stress-free Claims: In case of a claim settlement for say your car, simply give Acko customer care a call and they will handle everything - from picking up your car, to getting it repaired and dropping it back right at your doorstep.

Its Simple and Instant


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Key Benefits - Acko Car Insurance

The key benefits of Acko Car insurance are:

  • Acko guarantees considerably lower premiums.
  • Everything is done online, there is no paperwork involved. Whether you buy an insurance policy, renew a plan or make a claim, everything is done online.
  • Doorstep Service - With Acko customer service, all aspects of claim settlement are done by the servicemen with minimum involvement from your side. This includes picking up your car, getting it repaired and dropping it back, right at your doorstep.

In case of minor damages, get your claims settled instantly and then choose to go to your preferred garage, as per your convenience to get the same repaired.

Types of Acko Car Insurance Policy

Acko offers two types of car insurance plans:

  • Comprehensive Car Insurance: This is a complete car insurance policy which provides wholesome cover against damages to your car, another person’s property, insured car’s owner-driver, collision, theft, fire, sabotage, natural occurrences and man-made calamities. This type of insurance usually costs more as it offers greater coverage than a regular third-party insurance.
  • Third Party Car Insurance : This is the most basic type of a car insurance protection plan. Such a policy comes with the lowest premium rates as it offers minimum cover. A third party car insurance covers injuries caused to another person and their damaged property. Note: Buying a third party car insurance plan is mandatory as per The Indian Motor Vehicles Act, 1988.

Add-on features - Acko Car Insurance

Acko offers a wide range of add ons options which can be added to supplement your comprehensive car insurance plan.

  • Consumable Cover: This add-on provides cover for the following consumables - engine oil, grease, oil filters, lubricants, radiator coolant, nuts, bolts, gearbox oil, AC gas oil, washers, and power steering oil.
  • Roadside Assistance: RSA ensures on-spot rescue in case of an accident. IT covers towing fee, repair of flat tyres, emergency fuel delivery, cab services, key services, immediate car works.
  • Zero Depreciation: A zero-depreciation cover, also known as nil depreciation or a bumper to bumper insurance cover, pays the whole cost of external care body repairs or replacement, without taking into consideration any depreciation in the value of the car parts.
  • Engine Protection Cover: This add-on provides cover for repair and replacement of engine parts like connecting rods, pistons and others.
  • No Claim Bonus: This stands for No Claim Bonus. This add-on guarantees that you are eligible for the NCB even after raising a maximum of 2 claims in one year.
  • Invoice Protection Cover: An invoice protection cover, also known as a return to invoice value cover, is an add-on that provides complete financial security to your car. With a return to invoice protect add-on cover, you could get as much as the invoice value of your car, in case of total loss of the car. The amount that you get also includes the registration charges of your car and the road tax paid.

Its Simple and Instant

Inclusion and Exclusions

What’s covered under car insurance?

  • Accidents and damages caused by the accident.
  • Fire - This includes damages caused to your car due to self-ignition, explosion and lightning.
  • Theft - In case your car gets stolen.
  • Calamities - Natural and man-made calamities such as earthquake, riots, etc.
  • Third-Party Losses - Covers damages to a third party or property.
  • Car Owner Cover - Covers damage to the insured’s car and the insured.

What’s not covered under car insurance?

  • Illegal Driving - You will not be covered in case you were driving without a valid license, or under the influence of alcohol and/or other illegal substances.
  • Non-Accidental Damage - This includes wear & tear, breakdowns, failures, consequential damages, liabilities and deductibles.
  • Tyres, Tubes and Engine - Damage to tyres, tubes, and engine is not covered unless they are damaged due to an accident.
  • Damage during war and similar conditions
  • Damage when policy is not active

Claim Process - Acko Car Insurance

The entire claim settle process is conducted online. The claim process at Acko car insurance is as follows:

  • Step 1: In case of an accident, you need to register your claim by calling up Acko’s helpline number at 1860 - 266 - 2256 and drive your car to the nearest garage or get it towed.
  • Step 2: Once the claim is registered, a surveyor is assigned within 24-48 hours.
  • Step 3: You need to provide the relevant KYC details – RC Book, PAN card, Aadhaar card, DL, Claim information Form, Policy Copy and a repair estimate.
  • Step 4: Once the surveyor has assessed the damaged car and KYC, they will either reject or accept the claim. The repair works begin only post approval.
  • Step 5: Once the repair work is finished, a survey is done followed by a delivery order and the car is delivered to your doorstep.

Its Simple and Instant

Renewal Process - Offline/Online

The entire process of car insurance renewal can be done online, there is no offline method to renew your policy. Simply visit the official website of Acko General Insurance and select the car insurance tab. Now, you will be required to enter your car number and the search engine will automatically determine the renewal status along with the premium amount. Next, you will be asked a few questions about your car. Post answering, make the payment and the policy will be renewed instantly.

Review - Acko Insurance Company

Acko Insurance Company is one of the few general insurance providers in India which offers its services only through the online medium. With Acko, you can enjoy access to workshop anywhere in India and it is all cashless. Acko has held a good claim settlement ratio of 129%. Also, claims for minor damages are paid out in less than 2 hours. All these features make Acko a popular choice among insurance buyers.

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