Acko Comprehensive Car Insurance Policy

A comprehensive plan combines the benefits of both an own-damage policy and a third-party policy. Since third-party insurance is mandatory, it is suggested that you get a comprehensive policy to extend the benefits as it would cover damages to your car as well due to an accident. Acko is one of the pioneers in creating and providing digital based insurance. This page will cover the process of purchasing Acko comprehensive car insurance, its key features, what is covered, and what is not covered.

How Does Acko Comprehensive Car Insurance Work?

Supposedly you have an accident that causes damage to your car as well as to a third party. In this case, the usual mandatory third-party policy would provide a financial cover to the damages caused to the third party person or property due to your car, while a comprehensive policy will extend its covers providing financial protection to damages caused to your car as well.

Key features of Acko Comprehensive Car Insurance

The key benefits of purchasing comprehensive car insurance from Acko are:

• Added Benefits: With a comprehensive policy, you not only fulfil your legal obligation of purchasing a third-party policy, but you also get cover for the financial protection of your own car.

• Cashless Garages: Acko has ties with garages all over India which enables cashless claims. These network garages repair your car without any upfront payment from your pocket and are directly paid by Acko. This provides a hassle-free experience to the customer.

• Protection from Disasters: Acko provides protection to your car in case a natural or man-made disaster like fire, flood, riots, etc causes any damage to your car.

• You get the IDV: IDV ( Insured declared value) is the amount that you get in case your car is stolen or damaged beyond repair. Acko pays you the IDV which is agreed upon during the agreement of policy. If you purchase the zero depreciation cover, you will get the initial IDV without any depreciation.

• Add-ons Available: There are several add-ons to purchase like roadside assistance, engine protection cover, and consumable covers with your comprehensive policy to personalise your insurance according to your requirements.

How To Buy Acko Comprehensive Car Insurance?

While purchasing insurance, you need to ensure a couple of documents are with you such as:

1. A working mobile number to register and verify.
2. A government authorised details to complete your KYC.

Purchase Acko Insurance Policy with InsuranceDekho

InsuranceDekho offers simple methods of comparing and purchasing insurance online as well as offline. Follow the given steps to purchase Acko comprehensive car insurance:

Online Process

Step 1: Go to InsuranceDekho’s Website

Visit the official website of InsuranceDekho and click on car insurance.

Step 2: Fill in details of your vehicle number e.g. DLXXABXXXX

Once you have come to the car insurance page, enter your vehicle number to proceed to get all the quotes of different insurers for your car.

Note: You might be asked to enter the make, model, and variant of your car. Proceed adding the details for accuracy.

Step 3: Select the plan offered by Acko

Now you shall see all the quotes from different insurers for your car insurance. Make sure you have selected ‘Comprehensive’ in the ‘Type’ filter on top of the list of quotes. Carefully compare all the quotes before moving ahead. Select Acko car insurance in case it fits your requirements and proceed.

Step 4: Choose the desired Add-ons

Add the add-ons which suit your requirements.

Optional Step: Connect with An InsuranceDekho Advisor

You can request for a call back by clicking on the option displayed. An advisor from InsuranceDekho will call you and answer your queries or doubts. He shall also assist you with the further process.

Step 5: Complete your KYC process

Enter the details of your Aadhar card or PAN card to receive an OTP to your registered mobile number. Complete the KYC by entering the OTP.

Step 6: Verify your details

You shall now see a pre-filled form with all your details. Cross-check them and make corrections if required. It is important to check these details as they would be printed in your policy documents.

Step 7: Pay to complete purchase

You are just one step away from purchasing the policy. Make the payment through any online channel like UPI, debit/credit card, bank transfer, etc.

After you get the payment confirmation, you can track your policy and download policy documents.

Offline Process

To take Acko comprehensive car insurance offline, call InsuranceDekho customer care on 7551196989, or write an email to support@insurancedekho.com requesting for home assistance. Following this,a relationship manager will contact you to ask your convenient date and time for a home visit.

In their visit, they will guide you throughout the whole process. Our relationship managers are capable of delivering insights and benefits of different insurance policies which will help you to make a better decision.

Purchase Acko Insurance Policy via Insurer’s Website

You can visit Ackos' official mobile app or website to purchase your comprehensive car insurance.

Benefits of Buying Your Car Insurance from InsuranceDekho

If you make InsuranceDekho a partner in purchasing your comprehensive car insurance, you get the benefits which are mentioned below:

• Dedicated Claim Support: A dedicated customer support team is available to offer any policy regarding assistance you require.
• Comprehensive Offering: InsuraceDekho provides all kinds of basic insurance like car, health, life and term, travel, investment, shops, etc.
• Trusted Brand: We are a branch of the well reputed brand ‘Car Dekho’ which has been in the auto technology industry for more than 15 years.
• Vehicles Insured: It is safe to say we are a reliable company as he have insured over 50 lakh vehicles and our 24x7 customer support is available to assist you in any possible way.
• Quick Assistance: We make sure all your queries and questions are being answered by our customer support team.
• Certified Broker: A recognition by IRDAI is given to InsuranceDekho and we have make more than 8 years in the field.

Documents Required to Buy Acko Comprehensive Car Insurance Policy

1. You need a photo ID which is authorised by the government. It can be any of the following:

• Passport
• Driving licence
• Aadhar
• PAN card
• Any other Government-issued photo ID

2. A proof of address will also be required, which can be any of these:

• Passport
• Driving licence
• Bank or post office passbook
• Government issued address proof

3. Driving licence

4. Your vehicle RC (Registration certificate)

All insurers do not require these documents during the purchase process, but during the claim process, these documents are required for the claim.

Acko Comprehensive Car Insurance Claim Process

The Acko mobile app provides a hassle-free and smooth claim process. Follow the given steps:

Documents Required

Before filing a claim, it is necessary to prepare your documents to ensure your claim does not get rejected due to incomplete documents. Given is the list of documents required:

• Copy of RC ( Registration certificate)
• Copy of the driving licence of the person driving during the incident ( if applicable)
• Receipt of payments made which is eligible for reimbursement
• Policy certificate
• Copy of FIR ( if applicable)
• Original estimate of repair cost

How to File a Claim

Follow these simple steps to file a claim with Acko using the Acko mobile App

• Click on the Register a Claim’ on your Acko mobile App or the Acko website.

• Fill in the details and upload the required documents.

• Your car will be picked up and will be taken to a garage for repair.

• The survey will be conducted by an independent surveyor at the garage.

• You can track your repair status on the Acko App.

• Once your car is repaired, it will be dropped back to you.

• In cases of theft, the insurer would wait for the police to provide a non-traceable certificate before giving a claim.

Claim Assistance by InsuranceDekho

InsuranceDekho provides additional claim assistance to our customers to ensure they have properly prepared authenticated documents, keep up with deadlines, and avoid anything that may result in the rejection of the claim. For claim assistance from InsuranceDekho, call 91-7551196989 or write an email to support@insurancedekho.com.

Acko Comprehensive Car Insurance Renewals and Cancellations

Comprehensive car insurance can be renewed and cancelled if a customer wants to. Follow the given steps to renew or cancel your existing policy.

Acko Car Insurance Policy Renewal

To renew the comprehensive car policy follow the given steps:

Online process

Step 1: Go to the official website of InsuranceDekho and click on "Support" on the top bar.

Step 2: You will find the "Renew Policy" tab on the dropdown menu, click on it and proceed.

Step 3: To get the OTP, enter your registered mobile number and then proceed using the OTP.

Step 4: Now you will see the details of all your existing policies, select the desired Acko Comprehensive car insurance and you shall see the details of it.

Step 5: Renew you policy by clicking on “Renew”.

Step 6: Complete the payment through the desired online method and you have successfully renewed your policy.

Alternatively, you can renew the Acko comprehensive car insurance using the Acko mobile app or official website as well.

Offline process

If someone wants to follow a traditional offline approach of renewing insurance, they can do that by :

Call or Home Assistance by InsuranceDekho: Either you can request a call back from an InsuranceDekho executive who will guide you throughout the process of renewing, or you can ask for a home visit from a relationship manager.

Visit the Insurer's Branch Office: Visiting the branch office is always an option for any kind of query. Find the address of Acko's branch office in your city through Acko website or customer support.

Acko Car Insurance Policy Cancellation

Since comprehensive car insurance policy combines third-party policy and own damage, there are a few things to remember before initiating the cancellation.

• You can only cancel your ‘own damage’ policy from your comprehensive policy.
• The third-party policy can not be cancelled but can be ported to another insurer.

As per the law, all vehicles must be third-party insured. To fulfil the legal obligations you need to purchase alternate third-party insurance before cancelling your current comprehensive policy. This ensures that your car has been insured without any gaps in policy.

To cancel your comprehensive policy, connect with InsuranceDekho customer care and write a letter or mail requesting to cancel your current comprehensive car policy. The process requires you to submit the following documents:

• Copy of Identification document
• Copy of Car's registration certificate
• Policy documents
• A formal letter or email requesting to cancel the policy
• Proof of new third-party insurance purchase ( in case you wish to cancel third-party policy)

After you submit these documents, your policy will be cancelled. You will receive a full refund for your third-party policy cancellation. However, a pro-rata amount will be deducted from the refund of your own damage policy for the period between purchase and cancellation of the policy.

Covered Vs Not Covered Under Acko Comprehensive Car Insurance

The car comprehensive policy covers the benefits of standalone own damage policy and third-party policy, yet there are certain cases where your claim might be rejected. Below are the covered and not-covered in Ako car comprehensive policy.

Covers

• Damages due to accidents.
• Damages due to natural calamities
• Damages due to fire.
• Damages due to theft.
• Damages due to vandalism.
• Damages caused during transit.
• Legal liabilities due to injuries, death, or damage caused to a third party (person or property) by your vehicle.
• Damages caused to parts that were protected by add-ons in your policy like engine protection.

Not Covered

• Normal depreciation
• Mechanical/electrical breakdown due to regular usage
• Normal wear and tear
• Damage caused while driving under the influence of drugs or alcohol.
• Damage was caused while a driver without a licence was driving.
• Indirect charges like towing charges.

Please note that the exact coverage and exclusions may vary based on your chosen plan and add-on covers. It's always best to carefully review the policy document for complete details.

Factors that Affect Your Comprehensive Car Insurance Premium?

A comprehensive car insurance premium is the amount you pay to purchase the comprehensive policy. The below-mentioned factors affect your comprehensive car insurance premium.

• Registration Year: As the age of a car increases, premiums usually decrease. This happens due to the advanced technology and features in new cars are costly while old cars cost less to repair.

• No Claim Bonus (NCB): You get a discount on your premium if you haven't filed any claims during the policy. Your NCB is influenced by the length of your claim-free period; a longer period would result in a higher bonus.

• Add-ons: Additional covers like roadside assistance and zero-depreciation give extra benefits, which come at the cost of increased premiums.

• Make, Model, Variant: The make, model, and variant of your car significantly influence your premium. Sports and luxury cars usually have powerful engines that offer higher premiums.

• IDV ( Insured Declared Value): This value represents the estimated worth of your car during insurance renewal and significantly affects your premium. Your car's market value, depreciation, and condition are the main factors influencing your IDV.

How to Calculate Comprehensive Car Insurance Premium Online?

The premium calculator tool by InsuranceDekho allows you to check the premium of your car offered by various insurers. Premium of your car depends on the registration year, the make, model, and variant of your car. To calculate the premium of your car online, go through the given steps:

1. Go to the car premium calculator on the InsuranceDekho website.
2. The calculated premium box will be on the right side of the screen. Fill in the details it asks for and click on check premium.
3. A list of insurers along with the premiums they are offering will be shown to you.
4. Make sure you click on ‘Plan Type’ and select ‘Comprehensive’ to get the quotes for the comprehensive policy.

The benefits of selecting InsuranceDekho as your partner for purchasing comprehensive car insurance extend beyond just buying the policy. InsuranceDekho provides support to our customers even after their policy is active or expired. You can contact our customer support team for assistance with the claim settlement process or to get answers to any questions you may have.

You can connect with Acko customer care by mailing at hello@acko.com.

You can contact InsuranceDekho customer support team by calling +91-7551196989;

Or write to us at support@insurancedekho.com.

In case you are not satisfied with the response from customer care, you can get in touch with the grievance redressal officer, Mr. Rohit Khurana at grievance@insurancedekho.com.

Further if you are dissatisfied with the response from our grievance redressal officer, you can escalate your issue by writing to the Principal Officer at po_gibpl@girnarinsurance.com.. For more information, go to our Grievance Redressal page.

Address:

• Girnar Insurance Brokers Private Limited,
• Plot no.301, Phase-2,
• Udyog Vihar, Gurugram-122022,
• Haryana, India