Acko General Insurance is an Indian private-sector financial services firm. Acko entered the rat race in November 2016 with the highly novel notion of an online-based approach. In September 2017, the company received its IRDA licence.

In 2016, Acko Car Insurance launched as India’s first digital general insurance company. It provides bike/car insurance, health insurance, and Covid-19 protection. It is currently the country’s fastest-growing insurance provider. Acko Insurance Company has more than 50 million customers and 400 partners, including Amazon, Ola, OYO, and RedBus. The company has introduced novel products such as electronics insurance, trip insurance, and hotel stay insurance. Its micro-insurance product, Ola Trip Insurance, won the Golden Peacock Award for Innovative Product. Acko Car Insurance offers an immediate car insurance policy, customised pricing, and lightning-fast claim settlements.

 Acko Insurance Company -Car Insurance Types

The  Acko Car Insurance Company provides two different types of auto insurance policies. 

Types of  Acko Insurance Company Car Insurance are listed below

  • Third-party Car Insurance
  • Comprehensive Car Insurance Policy
  • Own or self-damage Policy

Acko car insurance offers the following car insurance plans:

Type of Car InsuranceDetails
3 Years Liability Only Policy for Private CarThis auto insurance policy covers third-party liability and personal accidents. It is a three-year policy that covers third-party death or bodily injury as well as third-party property damage caused by an accident.
Private Car Liability Only Policy For a private four-wheeler, this is a third-party policy with a one-year term. Only third-party liabilities are covered under this plan.
Policy on Private Car Packages The private car package policy covers damage or loss to the insured vehicle caused by a variety of natural and man-made causes. It is a one-year package policy that provides comprehensive coverage for you, your vehicle, and third parties.
Bundled Private Car Insurance
The company will claim compensation from the insured for any loss or damage to the insured vehicle under this plan. The plan also covers third-party liability resulting in death or bodily harm to any person or damage to third-party property. This plan provides third-party coverage for three years and own damage coverage for one year.
Own Damage Private Car Policy on Its Own

It is a stand-alone policy that covers damage to the vehicle caused by both natural and man-made causes. This plan can be added to the mandatory third-party liability insurance policy to supplement your coverage.

Acko Car Insurance with Add-On Covers

In addition to the three insurance policies,  Acko Insurance Company provides several add-on covers to match specific policies purchased over them. Add-on coverage focuses on meeting specific policyholder needs that standard car insurance policies do not cover. It is up to the policyholder to choose which add-on they want for their vehicle.

Policyholders of Acko car insurance can add additional coverage to their detailed planning by paying an additional premium. Customers can purchase additional coverage for the following items as add-ons:

  • Coverage for Zero Depreciation: When calculating the claim amount, an insurer takes depreciation on car parts into account. However, with a Zero Depreciation Cover, depreciation can be covered under your Comprehensive Car Insurance Policy.
  • Coverage for Roadside Assistance: With the Roadside Assistance add-on, you gain access to emergency roadside assistance 24 hours a day, seven days a week, including towing services during car breakdowns. If you become stranded on the road due to a breakdown, please contact us and we will assist you.
  • Key Cover Replacement: The Key Replacement Coverage assists you in covering the cost of repairing a damaged car key and lockset. In the event of a lost key or theft attempt, the coverage includes the replacement of the car’s key and lock.
  • Outstation Emergency Response: Outstation Emergency Cover protects you in the event of an accident or breakdown that occurs more than 100 kilometres from your home. If the car’s repair time exceeds 12 hours, get coupons.
  • Consumables Protection: Items such as gearbox oil, engine oil, nuts and bolts, lubricants, and so on are typically not covered during claim settlement. We will encompass such costs when settling claims with the Consumables Add-on. This add-on is available as part of your Comprehensive Car Policy.
  • Coverage for Engine Protection: Typically, Comprehensive Coverage does not cover the engine of a vehicle. The Engine Protection add-on provides coverage for engine repair or replacement. This is in accordance with the policy’s terms and conditions.
  • No Claim Bonus (NCB) Insurance: The NCB Protection add-on maintains the NCB discount even if you file a claim. You can file a claim and still receive a No Claim Bonus rebate of up to 50% on car insurance renewals with this add-on.
  • Back to Invoice Cover
  • Return to Invoice Coverage is useful in the event of theft or damage beyond repair. With this add-on, you can claim the full amount based on the invoice value of the vehicle.
  • Passengers’ Personal Accident Insurance: This add-on enables you to indemnify the travellers in your car in the event of an accident that results in permanent disability or death. It covers up to Rs. 1 lakh per passenger.

Damages- Covered and Not Covered

Every insurance policy has its own clauses and statements. Listed below is a table of damages and things that are covered and not covered in The Acko Car Insurance 

                              Damages CoveredDamages that are Not Covered
A Comprehensive Car Insurance Policy covers the coverages offered by a basic Third-party Liability Plan, such as property damage.Damage to the vehicle while the policy is inactive
Accidents are unpredictable and can have serious consequences for the people involved’s health and financial well-being.Theft of items from a car is not covered.
There could be several reasons why your car caught fire. Examples include vandalism, self-ignition, and so on.Regular maintenance and wear and tear costs
Car theft is common in India, and you could suffer a significant financial loss if your vehicle is stolen. This is included in a Comprehensive Policy.Damage to the vehicle is caused by driving while under the influence of intoxicating drugs or alcohol,
A Comprehensive Car Insurance Policy covers damage caused by both natural and man-made disasters.Damage caused by the war and similar circumstances
Terrorist activity can cause significant damage to your vehicle, necessitating costly repairs. Our four-wheeler insurance policy covers this activity.Damage caused by driving without a valid driver’s licence
Damage to the tyres, engine, and tubes unless they are damaged as a result of an accident

The Advantages of  Acko Insurance Company Car Insurance

Policyholders of an Acko Insurance Company car insurance policy will receive the following benefits:

Exceptionally low premiumsOur operating costs are low, and we sell motor insurance policies directly to you without the use of a middleman. As a result, premiums are lower.
There is no paperwork.There’s no need to waste time and effort filling out paper forms to insure your vehicle. You are also not obligated to submit a long collection of documents. Everything is available online!
No-stress claims
With features like free pick up and drop*, three-day repair guarantee*, and claim tracking, we guarantee that your claims experience with us will be stress-free!
Quick resolution
ACKO provides immediate settlement for minor claims. Major claims may take longer to resolve, but they are also resolved quickly. Minor and major claims are settled in accordance with the terms and conditions of the applicable policy.
24-Hour Customer ServiceYou can take advantage of our 24-hour service and can get answers to all your queries and complaints.

How to Apply for the Acko Car Insurance?

You can apply for  Acko Insurance Company car insurance online or in person. What method of purchase you choose is determined by your convenience and preferences.

The steps and procedure for applying for Acko car insurance online and offline are tabulated below

Step 1Go to the official Acko Insurance website.Visit the nearest  Acko Insurance Company branch.
Step 2Choose ‘car insurance.’Inquire about automobile insurance and meet with a customer service representative in the office.
Step 3Select the ‘Buy Online’ tab and click ok to continue.Get the car insurance application form from the customer service representative.
Step 4Click ‘Ok’ to continue.Fill in the blanks in the condition with absolute precision.
Step 5Choose whether you want insurance for a private or commercial vehicle.Submit the form and gather the list of documents needed for the insurance policy submission.
Step 6Proceed by selecting ‘Buy insurance for a new vehicle’.Please submit the documents.
Step 7Fill out all of the fields with accurate information about your vehicle and submit.Select the type of policy you want and the quote provided by the company.
Step 8Fill out your personal information and submit.Make your payments in cash, check, or DD.
Step 9You must select one of the company’s quotes.Collect policy documents in person or deliver them to your authorised postal address.
Step 10Make online payments using a credit/debit card, net banking, or other methods.
Step 11Collect the policy information on your registered email address.

How to Claim the Insurance?

If your car insurance-covered vehicle is involved in an accident, you can file a claim online at Acko Insurance Company’s official website. One can know the procedure for how to claim car insurance from Acko by reading the steps outlined below

  • Contact the policy issuance office as soon as possible and notify Acko Insurance of the accident/theft/third-party claim. You can accomplish the same thing by going to the company’s official website.
  • Please sign in to your account. The company will request several details from you, including your policy number, the date and time of the theft/accident, the location of the car, the insured’s name and contact information, and so on.
  • You must submit a claim form along with relevant documentation such as photocopies (of your driving licence, policy, and RC), photos of your car, survey reports, damage estimates, final bill of repair, FIR report, No Trace Report, and so on.
  • Once this is completed, the surveyor/company executive will inspect the damages, have the repairs completed in Acko’s cashless garage, and issue the claim as soon as possible.

How Can You Renew Your Expired Car Insurance Policy Online?

Car insurance must be renewed within the time frame specified by the policy. Depending on the vehicle, the Acko car insurance policy has a validity period of one to three years.

Follow the steps below for Acko car insurance renewal:

  • Acko Car Insurance has an official website.
  • To renew your policy, sign in with your credentials.
  • Enter the necessary mobile number and generate the OTP.
  • After successfully logging in, you can select the option to renew lapsed or expired policy.
  • Fill out a simple form with pertinent information for car insurance renewal.
  • However, before renewing your policy, you can purchase or select the necessary add-ons.
  • Pay the premium online using any of the available methods.
  • Your motor insurance policy is renewed in a matter of seconds.
  • The policy will be revived once the payment is received.

Note: Failure to renew your policy may result in its lapse/cancellation. Furthermore, in order to keep your insurance valid, you will need to purchase a new policy. If you exceed the policy renewal stipulation threshold, the company may levy a fine on your next premium.

Highlights of Acko Car Insurance

Features Coverage
PremiumCar insurance plans starting at ₹ 2,094
Self Damage CoverAvailable under Comprehensive Insurance
Add-on CoversMultiple Add-on Covers are available
Third Party CoverIt is covered under the policy
Self DamageCover of Rs. 15 lacks for permanent disability/death while driving
Claim Assistance24/7 Claim Assistance
Buying/renewal processCompletely digitally-driven
Toll-Free Number1800 266 2256/1860 266 2256

Frequently Asked Questions

What is the importance of insurance?

Insurance protects against the emergence of unforeseeable events. Insurance products assist you not only in mitigating risks but also in offering a financial cushion against adverse financial burdens.

How Can We Check the Acko Car Insurance Policy Number?

For insurance policy numbers, consult the Acko car insurance company through which you obtained the policy and provide your contact information such as phone number, email address, or other information such as Engine number and Chassis number.

Why should I fill out a proposal form when purchasing insurance?

Insurance is a legally binding agreement between the insured and the insurer. The proposal form serves as the contract’s foundation, containing all of the necessary information for the creation of the policy, which is a valid contract.

Is it possible to pay my automobile insurance premium online?

Yes, you can make the payment online with a debit or credit card or through Net Banking.

How many garages are operated by  Acko Insurance Company in India?

Acko Insurance Company operates over 2000 garages across India.

How Do You Calculate Acko Car Insurance Premiums?

The premium for Acko car insurance is determined by several factors, including the vehicle’s type, IDV, make, model, cc, usage, place of registration, past claims history, and so on. For an exact premium, you can engage the underwriting office with automotive details or plainly choose a car insurance premium calculator Acko insurance.

What happens when one is unable to renew car insurance?

Failure to renew your policy may result in its lapse/cancellation. Furthermore, in order to keep your insurance valid, you will need to purchase a new policy. If you exceed the policy renewal stipulation threshold, the company may levy a fine on your next premium. Hence it is advised to go through the Acko insurance car insurance renewal process well in advance.

Is it essential to purchase add-ons to a basic Acko car insurance policy?

It is recommended that you purchase add-ons with your base policy because your base policy may not cover certain aspects of accidental damage. An add-on provides additional coverage by covering specific damages.

How is the package policy premium calculated?

The package policy premium is calculated as follows
Insured vehicle’s age Vehicle Declared Value Cubic Capacity of the four-wheeler
Registration area (city, village, etc.)
If the subscriber has selected additional covers
If the vehicle is powered by LPG/CNG,
If the subscriber has selected extra coverage for electronic parts

What customer care car insurance services are available?

 According to  Acko Insurance Company customer care car insurance services are available
Look for cashless parking garages.
Make a claim.
Inquire about the status of your claim.
File a complaint
Please provide feedback on the service.
Make a complaint

Brief about The  Acko Insurance Company Co. Ltd

Acko General Insurance is an Indian private-sector financial services firm. Acko entered the rat race in November 2016 with the highly novel notion of an online-based approach. In September 2017, the company received its IRDA licence.

What is a Comprehensive Car Insurance Policy?

A comprehensive car insurance policy in Acko car insurance is a comprehensive insurance policy that covers all damages. This includes both the policyholder’s own and third-party damage. This category of car insurance policy provides the policyholder with comprehensive coverage for all financial and legal liabilities.

What are the key benefits of Acko Car Insurance?

Key benefits of Acko Car Insurance are listed below
There is emergency assistance available 24 hours a day, seven days a week.
A vast network of over 2,000 garages
Paperless system digital insurance process
Provides immediate policies for all insurance products.
Customers can get coverage in over 28 countries.
Acko insurance car insurance renewal online process is easy and hassle-free

List out the contact details for Acko insurance car insurance

The contact details for Acko insurance car insurance are given below
Toll-Free Number- 1800 266 2256/1860 266 2256

What are the steps for Acko insurance online renewal for cars?

The steps for Acko insurance online renewal for cars are listed below
The entire insurance renewal process can be performed online with ease. There is no offline process to renew your policy with Acko General Insurance Company. Follow the steps below to renew your automobile insurance policy with Acko General Insurance Company:
Simply go to the official website of Acko General Insurance Company.
Then, select the car insurance tab.
You must now enter your vehicle’s licence plate number.
The search engine will easily determine the renewal status as well as the payable premium amount.
Following that, you will be asked a variety of questions about your vehicle.
After you respond, you must make the payment online. Your policy will be renewed immediately.

Is it possible to claim insurance online?

The Acko car insurance claim process is available online and offline. Hence it is possible to claim insurance online.

What are the things covered in Acko insurance third-party coverage?

Acko General Insurance’s third-party car insurance protects you against all types of third-party damages, including bodily injuries, temporary or permanent disability, death of a third party, and third-party property.

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