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ACKO Two Wheeler Insurance is a digital-first bike insurance product that offers financial protection against accidents, theft, natural calamities, and third-party liabilities. With premiums starting at ₹457, instant policy issuance, paperless claims, and a fully online purchase process, ACKO makes buying and managing bike insurance quick and convenient for riders across India.
ACKO General insurance company offers a range of bike insurance plans designed to suit different rider needs. Whether you are looking for mandatory third-party coverage or all-round protection with a comprehensive policy, ACKO provides flexible options along with useful add-ons. Its digital-first approach, quick policy management, and hassle-free claims process make it a preferred choice for many two-wheeler owners in India.
This general insurance company offers bike insurance solutions for petrol, diesel, and electric two-wheelers, helping riders stay financially protected against accidents, theft, natural disasters, and third-party liabilities.
| Key Feature | Details |
|---|---|
| Premiums Starting at ₹457* | Affordable bike insurance plans with low entry premiums. |
| 100% Digital Experience | Buy, renew, and manage your policy completely online without paperwork. |
| Instant Claim Settlement | Minor damage claims can be settled within 2 hours for eligible cases. |
| No Claim Bonus up to 50% | Earn discounts on your premium for up to five consecutive claim-free years. |
| Personal Accident Cover up to ₹15 Lakh | Financial protection against accidental death or permanent disability. |
| Zero Commission Model | Direct-to-customer approach helps reduce distribution costs and lower premiums. |
| Cashless Repairs | Avail 4,000+ cashless repairs at network garages across India. |
| Customisable IDV | Choose the Insured Declared Value that suits your coverage needs and budget. |
| Paperless Claims Process | Raise and track claims online through the website or mobile app. |
| 24×7 Roadside Assistance | Emergency support for breakdowns, flat tyres, towing, and minor repairs. |
| Add-on Covers Available | Includes Zero Depreciation, Engine Protection, Return to Invoice, Helmet Cover, Consumables Cover, and Pillion Rider Cover. |
| Coverage for Electric Two-Wheelers | Dedicated insurance solutions for electric bikes and scooters. |
This policy provides coverage against legal liabilities arising due to third-party injury, death, or property damage caused by the insured two-wheeler. It is mandatory under the Motor Vehicles Act.
The Comprehensive Bike Insurance Policy covers both third-party liabilities and damages to the insured bike caused by accidents, theft, fire, natural calamities, and man-made events. It also allows policyholders to purchase optional add-on covers.
The Standalone Own Damage Insurance Policy covers damages to the insured bike due to accidents, theft, fire, and natural or man-made calamities. It can be purchased separately if the bike already has a valid third-party insurance policy.
ACKO also offers Personal Accident Cover, which provides financial protection of up to ₹15 lakh to the owner-driver in case of accidental death or permanent disability.
This bike insurance company offers several add-on covers that can be purchased with its Comprehensive Bike Insurance Policy to enhance the overall coverage.
Eliminates depreciation deductions on replaced parts and helps you receive a higher claim amount.
Provides financial protection of up to ₹15 lakh in case of accidental death or permanent disability of the owner-driver.
Offers compensation of up to ₹2 lakh if the pillion rider suffers accidental death or permanent disability.
Pays the original invoice value of the bike in case of theft or total loss.
Provides coverage of up to ₹1,000 for repair or replacement of a damaged helmet.
Covers engine and gearbox damage caused by water ingress, oil leakage, or lubricant leakage.
Covers expenses related to consumables such as engine oil, grease, lubricants, nuts, bolts, and screws during repairs.
Provides emergency assistance services such as towing, flat tyre assistance, battery support, and minor on-site repairs.
| Zero Depreciation Cover | No Claim Bonus Cover | Roadside Assistance Cover |
| Return to Invoice Cover | Consumables Cover | Engine Protection Cover |
| Passenger Assistance Cover | Personal Accident Cover |
The entire process, from purchase to claims, can be completed online.
Upload photos, track claims, and receive updates through the website or mobile app.
Insurance solutions are available for electric bikes and scooters with EV-specific coverage needs.
Choose your preferred IDV, add-ons, and coverage options based on your riding requirements.
Coverage is available for motorcycles, scooters, mopeds, and electric two-wheelers.
Buy, renew, download policies, and manage your insurance anytime through a single digital platform.
Damage to the insured bike due to accidents.
Loss or damage caused by fire, explosion, self-ignition, or lightning.
Theft or total loss of the insured two-wheeler.
Damages caused by natural calamities such as floods, cyclones, earthquakes, and storms.
Losses arising from riots, strikes, malicious acts, and terrorist activities.
Third-party injury, death, or property damage caused by the insured bike.
Owner-driver Personal Accident Cover of up to ₹15 lakh.
Pillion rider cover of up to ₹2 lakh with the applicable add-on.
Engine and gearbox damage due to water ingress or oil leakage with the Engine Protection add-on.
Invoice value reimbursement in case of theft or total loss with the Return to Invoice add-on.
Helmet damage or theft up to ₹1,000 with the Helmet Protect add-on.
Normal wear and tear of the bike and its parts.
Mechanical or electrical breakdowns.
Depreciation of vehicle components.
Consequential losses arising after the incident.
Damage caused while riding without a valid driving licence.
Losses occurring while driving under the influence of alcohol or drugs.
Damages resulting from illegal or unauthorised use of the vehicle.
Claims arising due to war, nuclear risks, or civil disturbances are excluded under the policy.
Damage occurring outside the geographical limits specified in the policy.
Consumables such as engine oil, lubricants, nuts, and bolts unless the Consumables Cover add-on is purchased.
Engine damage caused by water ingress or oil leakage unless the Engine Protection add-on is opted for.
Helmet damage if the Helmet Protect add-on is not included in the policy.
Renewing an ACKO bike insurance policy can be completed online in a few simple steps.
Visit the ACKO website or mobile app and enter your bike registration number.
Verify your existing policy details and choose the preferred policy type.
Review the Insured Declared Value (IDV), coverage options, and available add-on covers.
Select the desired add-ons and confirm the policy details.
Make the premium payment online through the available payment methods.
Once the payment is successful, the renewed policy is issued instantly and sent to your registered email address.
Customer Care Email: hello@acko.com
Claims Support: Through the ACKO app and support portal.
Customer Support Portal: https://www.acko.com/contact-us/
Registered Office: #36/5, Hustlehub One East, Somasandrapalya, 27th Main Road, Sector 2, HSR Layout, Bengaluru, Karnataka – 560102.
CIN: U74110KA2016PTC120161.
You can download your policy by logging in to your ACKO account through the website or mobile app and accessing the policy section.
Yes, you can transfer your existing No Claim Bonus (NCB) from another insurer while purchasing or renewing your ACKO bike insurance policy.
ACKO offers add-ons such as Zero Depreciation Cover, Engine Protection Cover, Return to Invoice Cover, Pillion Rider Cover, Helmet Protect Cover, Consumables Cover, and Roadside Assistance.
Yes, theft of the insured bike is covered under the Comprehensive Bike Insurance Policy, subject to the policy terms and conditions.
Yes, the policy covers damages caused by natural calamities such as floods, cyclones, earthquakes, storms, and landslides.
Yes, ACKO provides insurance coverage for used and second-hand bikes, subject to the applicable underwriting guidelines.
You can raise a claim online through the ACKO website or mobile app by uploading the required details and photographs of the damaged vehicle.
Yes, ACKO offers cashless repairs at its network garages, subject to the terms and conditions of the policy.
If your policy expires, your bike remains uninsured and you may lose accumulated NCB benefits if the policy is not renewed within the specified period.
Yes, ACKO offers insurance plans for electric scooters and electric bikes, including coverage for EV-specific risks and components.
You can buy ACKO bike insurance online by entering your bike details, selecting the preferred insurance plan, choosing the required add-ons, and completing the premium payment online. The policy is issued digitally and can be downloaded immediately.
