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Key Features:
  • Covers Third Party Person
  • Covers Third Party Property

Top acko Car Insurance Plans

PLAN TYPE: Comprehensive
Starting From 2094
PLAN TYPE: Third Party
Starting From 2094
PLAN TYPE: Own Damage
Starting From 1970

Calculate Your Car Insurance Premium Online

Select your car brand

  • Maruti
  • Hyundai
  • Honda
  • Toyota
  • Mahindra

Which city is your car registered in?

  • Ahmedabad
  • Bangalore
  • Chandigarh
  • Chennai
  • Gurgaon

When did you buy your car?

Have you made a insurance claim in the previous year?

Having car insurance is vital and gets you covered during emergencies. Theft, burglary, car accidents, impact on your car due to cyclone, flood etc are all covered under your car insurance saving you from financial burden and stress. Acko has one of the most sought after car insurance in the industry offering all types of car insurance.

About Acko Car Insurance

Founded in the year 2016 [1], ACKO Technology and Services Private Limited, (Acko) is the parent company of ACKO General Insurance. It is a digital-first company that builds and operates a direct-to-consumer platform. Trusted by over 6.2 crore customers, Acko has issued 8 crore plus policies so far. [2] This page will give you an idea about the offering under Acko Car Insurance. The content will cover key features of the company, key metrics, eligibility for buying a car insurance, types of car insurance plan offered by Acko, price, key add-ons and frequently asked questions.

Key Features

Mentioned below are some key features of Acko Car Insurance:

  1. Zero Depreciation: The value of your car starts depreciating as soon as it is out of the showroom. Zero depreciation locks the price of your car and makes sure that it does not depreciate till the time it is covered under zero depreciation.
  2. Towing Assistance (till 50 kms): Avail towing assistance on the road in case of emergency for up to 50 kms. This assistance is very useful when you are on a highway or when there is nobody around you to help.
  3. Free Pick-up & Drop: A vehicle pick-up and drop service helps you in getting your vehicle moved to the nearest cashless garage. Note that this service is available only in select cities.
  4. 12 Minutes Claim Settlement - Acko has one of the fastest claim settlement process in the industry of as less as 12 minutes. [2]

Key Metrics

Refer to the tables below to check the key metrics of Acko Car Insurance:

Key Metrics of Acko Car Insurance


Founded in (year)


Claims Settled (in percentage)


Claim Assistance (time)


No Claim Bonus


Cashless Garages (PAN India)


Car Insurance Premium (starting price in Rupees)


Types of Car Insurance Plans Offered by Acko

Here are the list of plans offered under Acko’s Car Insurance [3]:

  1. Third-party Liability (3PL) Car Insurance - Made mandatory by law, a third-party liability car insurance covers you financially in case you have caused any accidental damage to someone’s property or any injury or death to a third party.
  1. Comprehensive Car Insurance - In addition to covering all benefits of a third party liability car insurance, a comprehensive plan also covers any damage caused to your vehicle by any natural calamity like flood, cyclone, earthquake etc, fire, theft, burglary or accident.
  1. Stand Alone Own Damage (SAOD) Car Insurance - A stand alone own damage car insurance provides protection for your car from any damage caused due to road accidents, natural disasters like earthquake and cyclone, fire, riot or theft.

Add-ons offered by Acko Car Insurance

Add-ons are additional coverage that you opt for along with your health insurance plan. These add-ons are available to you when you pay an additional premium. Mentioned below are some of the top add-ons offered by Acko Car Insurance:

  • Zero Depreciation: Zero depreciation add-on helps in locking the price of your vehicle helping you recover the depreciated amount at the time of sale.
  • Consumables Protect: This add-on helps in recovering the cost of repair and replacement of consumable items like nuts and bolts, grease, distilled water, washer, oil filter, engine oil, brake oil, etc.
  • Engine Protect: Especially beneficial for people living in flood prone areas, an engine protect add-on covers the price of any repair or replacement of your current engine.
  • Garage Cash: Avail daily cash amount if your vehicle is under maintenance at a cashless garage. This daily cash amount can be used to pay your cab and auto bills.
  • Loss of Personal Belongings: In case your personal belongings like laptop, clothes, gym equipment etc get lost during an accident or theft, this add-on keeps you covered.
  • Roadside Assistance: Having roadside assistance add-on helps you in case of emergencies especially on a highway or at night where you get towing assistance for your vehicle and assistance in getting you petrol or other repair assistance if needed.
  • No Claim Bonus Protection: This add-on helps to safeguard your no claim bonus in case your car gets damaged while it is parked or in the event of a natural calamity.
  • Emergency Assistance Cover: This add-on helps with getting minor repairs, tyre change, battery jumpstart services in case of emergency.
  • Cost of Consumable Items: With this add-on you can get reimbursement for any cost incurred while replacing your consumable items like brake oil, fuel filter, oil filter etc.
  • Key Cover: This add-on gives your car keys the much needed protection especially if you own an expensive car. In case you have lost or misplaced your key, you can buy a new one and get reimbursed for the same.
  • Tyre Cover: In case your car tyres are lost, damaged or has been stolen, this add-on will come handy in getting you reimbursed for the cost incurred of replacement of tyres and any additional labour charges incurred for repair or replacement.
  • Driver Cover: In case you have a hired driver, this add-on becomes essential as it covers personal accident costs for the driver listed in your insurance policy.

Note for Premium Vehicle Owners: It is advisable to take a key and tyre cover for people who have a premium vehicle or a car which has a buying price value greater than INR 15 Lakh.
Note for People Who Have Paid Drivers: For people who have a paid driver or chauffeur, it is advisable that you take a drivers add-on to protect the said driver in case of any accident.
Note for People Who Often Travel by Car for Work or Leisure: If you are an individual who travels long distances in your car or are mostly on the road, taking a loss of personal belonging add-on is going to be beneficial for you.

ID Recommended Car Insurance Plan and Add-ons

Vehicle Age

Plan Type

Recommended Add-ons

0 Years (New Vehicle)

1 year Standalone Own Damage (SAOD) + 3 Years Third-party Damage

RTI + Zero Depreciation, Consumable Protection, Roadside Assistance, Engine Protect, Key Protection

1-3 Years

Standalone Own Damage (SAOD)

Zero Depreciation, Consumable Protection, Roadside Assistance, Engine Protect, Key Protection

4-5 Years

Comprehensive Plan

Zero Depreciation, Consumable Protection, Roadside Assistance, Engine Protect

6-7 Years

Comprehensive Plan

Zero Depreciation, Consumable Protection, Roadside Assistance

8-10 Years

Comprehensive Plan

Basic Plan

More than 10 Years

Third Party Plan

No add-ons

Note 1: Personal Accident Cover is Mandatory by Law Note 2: Third-party Car Insurance is Mandatory by Law

Eligibility To Buy a Car Insurance Plan

Here’s a list of things you must have to buy a car insurance plan:

  • Your car must be registered under the Regional Transport Office (RTO)
  • Your car registration papers are a must-have
  • You must have a valid driving licence
  • You may be asked for certain additional documents based on the insurer you choose

Factors to Consider Before Buying or Renewing Your Car Insurance

Here are the major factors that you should consider before you buy or renew your car insurance:

  1. Credibility of the Insurer: You must research the credibility of your insurance provider. It is necessary to check the claim settlement ratio, number of cashless garages and overall customer reviews of the insurer.
  2. Add-ons Required and Add-ons Offered: It is important to look at the add-ons offered with the car insurance plan you intend to buy. Add-ons can differ insurer to insurer and plan to plan. It is important to analyse which add-ons you required and if the insurer is offering them under the plan of your choice.
  3. Deductible: The compulsory or voluntary deductibles you are willing to pay and have opted for should also be a factor to look at.
  4. Risk Exposure: In case you are someone who travels a lot or frequently travels to risk prone areas, it is important to consider this as a critical factor while buying or renewing your car insurance.
  5. Extra Features: It is important to stay abreast of all news and updates of the industry before purchasing a new insurance or renewing your insurance.

How To Purchase Acko Car Insurance Policy?

Keep the mandatory documents handy before you start the process of purchasing your car insurance.

Documents Required

  1. Your registered mobile number to receive OTP for verification
  2. Your KYC details
  3. In some cases, a scanned copy or a physical passport-size photograph is also required

Follow the instructions below to purchase your insurance once you have all the required documents in place:

Online Process

Here’s how you can buy or renew your car insurance online through InsuranceDekho:

Step 1: Visit InsuranceDekho’s Website

Visit the homepage for Car Insurance on our website. You will find a form on the same page which you can fill.

Step 2: Enter your vehicle number e.g. APXXAYXX

Once you fill out the form, you can view the various plans offered.

Step 3: Compare All Car Insurance Plans to Choose

Compare the top 5 to 6 car insurance plans listed on the page and see what best suits you.

Optional Step 4: Connect with An InsuranceDekho Advisor

You can also choose to connect with an InsuranceDekho advisor for complete assistance on the best car insurance plan to choose based on your requirements.

Step 5: Make Payment

After selecting the insurer and plan of your choice, make the payment to buy your car insurance policy.

Buy Via Insurer Website

Alternatively, you can also choose to buy your car insurance policy from the website of the insurer of your choice.

Offline Process

In case you face any issue in buying your car insurance policy online, you can also choose to buy it offline through one of InsuranceDekho’s agent or on a call with the help of our expert advisors.

Benefits of Buying Your Car Insurance from InsuranceDekho

At InsuranceDekho we believe in delivering the best service to our customers, here’s why you should choose us as your insurance advisors:

  • Certified Broker: InsuranceDekho is an IRDAI certified broker working in the space of Insurance for 8+ years.
  • Trusted Brand: We are a trusted brand from the house of CarDekho Group which has been in the auto sector for over 15 years.
  • Comprehensive Offerings: We are a one-stop solution provider for all your insurance related needs from motor, health, travel, SME and life.
  • Vehicles Insured: Having insured over 50 lakh vehicles so far, we are trusted by all insurers and our customers.
  • Quick Assistance: We help in getting all your problems solved faster by the insurer since we have a rapport with them.
  • Dedicated Claim Support: We support you in the entire process from selection, purchase, renewal, porting and claim settlement process. We provide a dedicated agent to help you with getting your claim settled.

For learning about all the benefits of buying your insurance from InsuranceDekho, read here.

What Is Covered and What is Not Covered?

Here are all the major inclusions and exclusions that you should know about under Acko Car Insurance:


  1. Natural disaster coverage like floods, storm, cyclones, earthquakes, etc
  2. Personal accident cover worth INR 15 Lakh
  3. Access to cashless repairs in over 2000+ network garages
  4. Choose from 12 add-ons
  5. Coverage for accidents, theft, and terrorism
  6. Coverage for third-party legal liabilities
  7. Up to 50% no-claim bonus


  1. Vehicle’s ageing and wear & tear
  2. Mechanical and electrical breakdowns
  3. Any damage caused when you are under the influence of alcohol or drug
  4. Damaged caused while driving without a licence
  5. Any loss that is consequential
  6. Loss or damage due to war or nuclear risk

How to Claim?

Usually, raising a claim can be a tedious process and if you do not have all the required documents in place, chances of claim rejection are high. However, you can connect with an InsuranceDekho advisor who can assist you in making sure all your paperwork is in place and your claim is reimbursed properly and in a timely manner. You can connect with our advisor on our helpline number +91- 7551196989 or by emailing us at

Additionally, you can also contact your insurer’s claim support team.

Factors Affecting Premium of Your Car Insurance

Several factors can impact the premium of your car insurance, some of the major ones are listed below:

  1. Car Model: Your car model type impacts the premium of your car insurance significantly. In case the price of your car is more than INR 15 lakh, then the premium of your car automatically increases. Premiums of luxury cars will be relatively higher.
  2. Driving Record: Your past driving record also affects your premium price. If you have any breach of traffic rules or accident history, the premium will be high.
  3. Credit History: Your bank credit history also has a role to play in the price of the premium you will pay. It is important to have a good credit history to avail lower premiums.
  4. Geographical Location: Your geographical location also helps in determining the cost of your premium as the premium to be paid in a metro city will be different from that of a non metro.
  5. Deductibles: Deductibles are the amount you pay in advance to your insurer as agreed upon. This amount is then going to partially cover your vehicle while the other half will be covered by your insurer.
  6. Age of Vehicle: If your vehicle is under five years of age, it is considered as a low-risk vehicle while the ones above 5 years are considered as high risk. The amount of your car insurance premium increases if your vehicle’s age is above 5 years.
  7. Add-ons Taken: With each add-on you take, the premium price of your vehicle increases.
  8. No-claim Bonus: If you get a no claim bonus, it will help in reducing the price of your premium. This only applies to people who are renewing their insurance from the same insurer.
  9. Insured Declared Value: One of the most crucial factors that impacts the price of your car insurance’s premium is Insured Declared Value (IDV), it determines the current value of your car.

What is Insured Declared Value and How is It Calculated?

An Insured Declared Value (IDV) determines the current market value of your car, this market value helps in figuring out the cost of your premium. IDV also helps in providing you the remuneration in case of theft or total damage of your car.

Calculating Insured Declared Value (IDV)?

An IDV calculator serves as a tool that identifies the present market value of your car and assesses the corresponding car insurance premium.

Acko Car Insurance Renewal Process

The process of renewing your car insurance happens yearly. You must be updated with current insurer and industry updates and then choose to either renew the same policy or buy a new one. For renewing your policy through InsuranceDekho or for purchasing a new one during the renewal time, follow the steps as mentioned above in the “how to purchase car health insurance” section.

Car Insurance Customer Service & Support

We at InsuranceDekho strive hard to support our customers during all their insurance-related requirements. In case you need any assistance or help, you can connect with our support team on call on the following number +91-7551196989 or email us with your queries at You can also reach out to the Acko Car Insurance Customer Team.

Acko Complaints & Grievance Redressal

For raising a complaint or getting your grievance addressed, reach out to Acko Car Insurance in the following ways:

  • Call them at toll-free number 1800 266 2256
  • Write them here: #36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
  • Email them at

ACKO Car Insurance User Reviews

Write your review
What users are saying
  • All
  • Most Helpful
  • Comprehensive
  • Zero Depreciation
  • Third Party
  • Own Damage
  • Renewal
  • Cashless Garages
  • Price
  • Premium
  • Policy Download
  • Customer Care
  • Claim
  • Add On
  • Easy Buying Process

    It was really easy to pick the right insurance within a few minutes. I just bought a car insurance by Acko thr...

    By Mannu jaiswal
    On: March 2, 2024
  • Quality Repairs, Every Time

    When I bought the Acko Car Insurance Policy from InsuranceDekho for my Chevrolet car, I found that the cashl...

    By Nitish Hanspal
    On: November 21, 2023
  • Compliance and Budget-Friendly...

    Third-party coverage that I took with the Acko Car Insurance Policy for my Nissan car is the perfect blend o...

    By Sahil Sheikh
    On: November 16, 2023
  • No Worries About Repair Costs

    With being able to add the benefits own damage coverage to my already existing Acko Car Insurance Policy fro...

    By Umang Giyal
    On: November 2, 2023
  • Effortless Car Insurance Renew...

    InsuranceDekho made my Acko Car Insurance Policy’s renewal process effortless. Their user-friendly platform ...

    By Ritu Chandha
    On: October 18, 2023
  • Convenient Claim Tracking

    InsuranceDekho's online claim tracking system is convenient. I could easily check the progress of my claim o...

    By Tarun Yadav
    On: October 16, 2023
  • Responsive Customer Support fo...

    The customer support team at InsuranceDekho is responsive and helpful. They've been quick to assist whenever...

    By Bilal Reshamwala
    On: October 12, 2023
  • User-Friendly Renewal Portal

    InsuranceDekho's online renewal portal is user-friendly and efficient. I was able to renew my Acko Car Insur...

    By Pallavi Thukral
    On: September 27, 2023
  • Quick and Fair Settlement

    InsuranceDekho's claim settlement process was surprisingly fast. When my Chevrolet car was involved in an ac...

    By Sheetal Tyagi
    On: September 25, 2023
  • Value for Money Protection

    I believe InsuranceDekho's own damage coverage offers excellent value for money. The Acko Car Insurance Poli...

    By Abeer Singh
    On: September 21, 2023

ACKO Car Insurance FAQs

  • What is car insurance and why do I need it?

    Car insurance is a contract between you and an insurance company. You pay a premium, and in return, the insurance company promises to pay for specific car related financial losses during the term of the policy. It's essential because it not only protects you from financial losses due to theft or accident but also because it's a legal requirement in many countries to have at least a basic level of coverage.

  • What do 'comprehensive' and 'third-party' insurance mean?

    Comprehensive insurance covers damages to your car which happens due to unforeseen incidents like accidents, theft, natural disasters, and more. It provides a broader protection, including both, damages to your car and damages you might cause to others. On the other hand, third-party insurance covers the damages that you may cause to other vehicles. It doesn't cover damages to your own vehicle.

  • How is my insurance premium determined?

    Several factors determine your car insurance premium. These include the make and model of your car, its age, where you live, your driving record, and the coverage type you choose. Typically, newer, more expensive cars or cars with a history of being stolen have higher premiums.

  • Why should I purchase motor insurance from ACKO?

    Acko is a licensed non-life general insurance company, fairly new in business. However, the company has managed to establish a strong foothold in the industry with its innovative digital business model. The company stands for affordable, effortless and hassle-free policy procedures. From purchasing policy to renewing and settling claims, ACKO guarantees seamless customer experience.

  • What happens if I don't have car insurance?

    If you get caught, you could face fines, penalties, and even suspension of your driver's license. Moreover, if you're involved in an accident without insurance, you could be held personally liable for all the damages and injuries you cause, leading to potentially massive out-of-pocket expenses. Many countries or states also have laws that require drivers to have at least basic liability insurance, so it's crucial to be insured not only for financial protection but also to comply with the law..

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Every detail provided in this website is for information purpose only. Insurancedekho under no circumstances, endorse the information provided. However, we are constantly doing our best to keep our privileged customers up-to-date with neutral and factual information.
#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.