ACKO General Insurance, founded in 2016 by Varun Dua, is a digital-first insurer in India known for offering simple, fully online insurance products. The company has rapidly expanded its reach and today serves over 78 million customers and has issued more than one billion policies (Source: ACKO official website). Car insurance is one of ACKO’s key offerings, providing coverage for damages, theft, and third-party liability with quick digital policy purchase and claim settlement through its app and website.
The car insurance policy offers a range of features designed to provide financial protection, convenient claim support, and flexible coverage options for vehicle owners.
| Feature | Details |
|---|---|
| Cashless Garage Network | Access to 4,000+ cashless network garages across India for vehicle repairs. |
| Personal Accident Cover | Mandatory owner-driver cover with a sum insured up to ₹15 lakh for accidental injury, disability, or death. |
| Third-Party Liability Cover | Covers legal liability for injury, death, or property damage to third parties, with unlimited liability for death or bodily injury as per IRDAI regulations. |
| Own Damage Cover | Covers damage to the insured car caused by accidents, fire, theft, natural disasters, or vandalism. |
| Roadside Assistance Add-on | Optional 24x7 roadside assistance for breakdowns, towing, or on-road emergencies. |
| Premium Discounts | Customers can save up to 85% on car insurance premiums through the digital insurance model. |
| Unlimited Claims | Policyholders can file multiple claims during the policy period without a fixed cap. |
| Instant Minor Claims | Some minor claims are settled instantly through the digital platform. |
ACKO offers multiple types of car insurance policies designed to meet different coverage needs, from mandatory third-party protection to comprehensive vehicle protection with add-ons.
Covers legal liability for injury or death of a third person and damage to third-party property caused by the insured car, as required under the Motor Vehicles Act, 1988. Property damage liability is covered up to ₹7.5 lakh, while liability for death or bodily injury is unlimited as per IRDAI rules.
Covers damage to the insured vehicle caused by accidents, theft, fire, explosion, natural calamities (flood, cyclone, earthquake), and man-made events such as riots or vandalism. This policy can be purchased if the car already has a valid third-party insurance policy.
Combines third-party liability cover and own damage protection in a single policy and allows policyholders to enhance protection with add-ons such as Zero Depreciation Cover, Engine Protection Cover, Roadside Assistance, and Consumables Cover.
ACKO car insurance policies cover several risks related to accidents, natural events, and legal liabilities, depending on the type of policy chosen.
Accidental damage to the insured car: Repair costs for damages caused by collisions or road accidents.
Theft or total loss of the vehicle: Compensation if the insured car is stolen or declared a total loss.
Damage due to fire or explosion: Covers losses caused by fire, lightning, self-ignition, or explosions.
Natural calamities: Protection against floods, earthquakes, cyclones, storms, and other natural disasters.
Man-made events: Damage caused due to riots, vandalism, or similar disturbances.
Third-party liability: Covers injury, death, or property damage caused to a third party by the insured car.
Personal accident cover: Owner-driver protection with compensation in case of death or permanent disability.
Certain situations and damages are not covered under ACKO car insurance policies.
Normal wear and tear: Regular ageing of vehicle parts and routine maintenance costs are excluded.
Mechanical or electrical breakdown: Failures not caused by an accident are not covered.
Driving under the influence of alcohol or drugs: Claims are rejected if the driver was intoxicated during the accident.
Driving without a valid licence: Damages caused when the driver does not have a valid driving licence are excluded.
Illegal or unauthorised use of the vehicle: Claims arising from unlawful activities involving the vehicle are not covered.
Intentional damage: Losses caused deliberately by the policyholder are excluded from coverage
You can easily buy ACKO car insurance online through Coverfox in just a few simple steps.
Visit the Coverfox website and go to the car insurance section.
Enter your car registration number or choose the car make, model, fuel type, and variant manually.
Provide basic details such as registration year and city of registration.
Compare available ACKO car insurance plans, coverage options, and premiums.
Select the preferred ACKO policy and add-ons if required.
Enter your personal and vehicle details to proceed with the application.
Make the online payment securely using available payment options.
Receive your ACKO car insurance policy instantly via email.
Here's why you can choose Acko Car Insurance:
ACKO operates on a direct-to-customer digital model, eliminating agent commissions and helping customers save up to 85% on car insurance premiums.
Car insurance policies are issued instantly after online payment, and policy documents are delivered digitally without any paperwork.
ACKO allows customers to upload vehicle photos and file claims through the mobile app, enabling quick assessment and faster claim approvals for minor damages.
Certain minor claims are settled instantly through the app, reducing waiting time for policyholders.
ACKO offers add-ons such as Zero Depreciation Cover, Engine Protection Cover, Roadside Assistance, and Consumables Cover for enhanced vehicle protection.
Customers can buy, renew, modify policies, and track claims completely online through the ACKO website or mobile application.
ACKO car insurance policies allow policyholders to repair their vehicle at 4,000+ cashless network garages across India, where the insurer directly settles the repair bill with the garage, and the customer only pays the deductible as per the policy terms.
How to find an ACKO network garage:
Visit the official ACKO garage locator page: https://www.acko.com/garages/
Enter your city or location in the search bar.
View the list of authorised ACKO network garages available nearby.
Select a preferred garage and take your vehicle there for cashless repair services during a claim.
Customer Care Number: 1800 266 2256
Email Support: hello@acko.com.
Online Support Centre: Raise queries or complaints: https://www.acko.com/contact-us/
Mobile App Support: Policyholders can manage policies, file claims, and track claim status directly through the ACKO mobile app.
Grievance Redressal: Customers can escalate unresolved issues through ACKO’s grievance redressal mechanism available on the support portal.
Yes, ACKO General Insurance Limited is registered with the Insurance Regulatory and Development Authority of India (IRDAI) with registration number 157, which means its car insurance policies are fully authorised to operate in India.
ACKO offers a digital claim process with instant settlement for some minor claims, while standard claims may take a few days to a few weeks, depending on verification and documentation.
Yes, ACKO provides cashless repair services at 4,000+ network garages across India, where the insurer directly settles the repair bill with the garage.
ACKO policies are often cheaper because the company follows a direct-to-customer digital model without agents, which can reduce premiums by up to 85% compared to traditional insurers.
You can renew your policy by logging in to your ACKO account on the website or mobile app, entering your vehicle and policy details, selecting coverage, and paying the premium online.
Yes, comprehensive and own damage policies cover vehicle damage caused by natural calamities such as floods, earthquakes, cyclones, and landslides.
Yes, ACKO offers 24×7 Roadside Assistance (RSA) as an add-on cover, which helps with breakdowns, towing, flat tyres, battery jump-starts, and other on-road emergencies.
You can download your policy by logging into your ACKO account using your registered mobile number, where you can view and download the policy document anytime.
The premium depends on several factors such as car make and model, vehicle age, Insured Declared Value (IDV), location of registration, chosen coverage type, and selected add-ons.
Yes, if you switch from another insurer to ACKO, you can transfer your existing No Claim Bonus (NCB) by providing proof of the previous policy during purchase or renewal.
