Car insurance, also called auto or motor insurance, is a simple and effective way to protect your car from unforeseen risks such as accidents, thefts, fire, natural disasters, or third-party liabilities.
Having a valid third-party car insurance is mandatory by law when you are driving a car in India. Having good car insurance is a necessity to protect yourself from financial losses that come along with road accidents.
ACKO makes car insurance easy. Choice of coverage, add-ons and discounts to save on premiums – get them all on ACKO. During claims, enjoy our door to door pick-up, repairs and drop services
|KEY FEATURES||ACKO ADVANTAGE|
|Premium||Car insurance plans starting at Rs. 2,072|
|Add-ons||8 add-ons available to enhance your insurance plan|
|Own Damage policy||Available under Comprehensive Cover|
|Damages to the third party||Covered|
|Personal Accident (PA) cover||Available. Cover of Rs. 15 lakh for permanent disability/death while driving|
|Claim Settlement Ratio (CSR)||94% for FY20-21|
|Repairs||1-hour pickup (for select cities), instant repairs and 3-day doorstep delivery at no extra cost|
|Buying/renewal process||100% digitally-driven|
Accidental damages while driving under the influence of alcohol or intoxicating drugs.
Accidental damages during war or similar conditions.
Any claims against an incident when your insurance policy was not active.
Cost of repair/replacement of parts that are damaged due to regular wear and tear and not related to any incident like accident, theft, fire, flood, etc.
Any claims against an incident where you were driving without a valid driving licence.
Any claims related to personal items stolen from your car.
Car insurance FAQs
Questions you may have for ACKO
What are the documents required to buy a car insurance policy online through ACKO?
We hate paperwork as much as you do. Hence, you do not need to submit physical documents and can buy a car insurance policy from ACKO at the tap of a button.
Why should I buy/renew car insurance from ACKO?
Top reasons why you should buy/renew your car insurance from ACKO are mentioned below.
- Low premiums owing to digital process and no commissions involved
- Exclusive plans that you won’t find anywhere else
- Great claims service. Claim related repairs managed by ACKO. Doorstep pick-up and drop of your car. 3-day claim settlement turnaround for most claims.
- We deliver policy instantly. All online with no paperwork involved.
- We are licenced by IRDAI (Registration number 157)
Which risks are covered under the Comprehensive Car Insurance policy offered by ACKO?
The following risks* are covered under ACKO’s Comprehensive Car Insurance policy:
- Third-party liabilities
- Damage due to accident
- Damage due to fire
- Damage due to natural calamities
- Car theft
- Injuries to the car owner
Note: Please refer to the relevant policy document to look at the complete list of inclusions & exclusions of your policy.
How do I raise a claim when I need to? What information should I provide?
You can raise a claim by visiting www.acko.com or by calling us on 1800-266-2256. While raising a claim, you should provide the following information:
- Your contact number or the vehicle number
- Policy number
- Description of the incident and photographs of the vehicle (if possible)
- First Information Report (FIR) in case of theft, or damage to any third-party or their property