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Acko Third Party Car Insurance

Third-party insurance policy offered by Acko General Insurance Company protects you from third-party liabilities arising due to an accident. This insurance plan covers your expenses incurred on compensating damages incurred to a third-party in an accident. This includes injury/death of a person and even coverage of damages occurred to any third-party property.

Also termed as an 'Act-Only' cover, a third party insurance policy is a legal compulsion. The Motor Vehicles Act of 1988 directs every car owner to at least have a third-party insurance coverage policy for their vehicle. A car without this cover is deemed illegal and hence cannot be taken for a drive.

However, Acko third-party insurance plan, just like any other third-party cover, does not offer the protection of vehicle and policyholder. Also, Acko clearly mentions that they do not cover expenses if the damage is done because of illegal driving practices e.g. invalid license, drunken driving etc.

Third Party Policy Vs Comprehensive Policy


Third Party Policy

Comprehensive Cover

Extent Of Cover

Acko car insurance third party policy provides unlimited compensation for bodily injury/death of a third party and up to Rs 7.5 lakh for third party property damage.

Acko car insurance comprehensive plan offers compensation for not only all third party liabilities as well as for damages sustained by the insured vehicle as per its Insured Declared Value (IDV).

Add-on covers

No add-on covers are available on third party policies so customization is not possible.

Acko Car insurance comprehensive policy can be customised as a number of add-ons are available to enhance the coverage of the policyholder and the insured vehicle.


As per law, it is mandatory for a car owner to purchase a third party car insurance policy.

Acko comprehensive car insurance policy is not mandatory but is recommended as it provides a wider range of coverage.

Acko Third Party Car Insurance Coverage

Purchasing a third-party liability coverage policy is mandatory for every vehicle owner, and it covers and compensates the following events:

  • It insures policyholder against third-party liabilities caused to a third-party by your vehicle and provides unlimited coverage in case of death or an extensive injury/disability of the third party. This also includes coverage of all legal expenses incurred during the court trial.
  • It also insures policyholder against third-party property damage (up to a certain maximum cap).
  • Owing to its basic and narrow coverage, third-party liability insurance policy is comparatively affordable. This means that the policy can be bought with a low premium amount.
  • Cashless claim settlements, as well as reimbursement options, are easily available.
  • Third-party insurance policy from Acko offers a hassle-free claim settlement process.

Acko third party policy does not provide coverage for the following:

  • If the accident because the driver was under the influence of intoxicants like alcohol or drugs etc.
  • If the accident occurred when the vehicle was being driven by a driver who does not have a valid licence.
  • Non-accidental damage like wear and tear, breakdowns, failures, and certain specific liable deductibles are not covered.
  • Non-accidental damages to tyres, tubes, and engine are also not covered.

Must Read Articles before buying Acko Car Insurance

Acko Car Insurance User Reviews

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What users are saying
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  • Easy Buying Process

    It was really easy to pick the right insurance within a few minutes. I just bought a car insurance by Acko through Insurancedekho. The procedure was very short and smooth.

    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 cashless garages associated with the policy consistently provide quality repairs, ensuring my car is in top condition.

    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 of compliance and budget-friendliness. I have to day that InsuranceDekho offers policies that make it easy to fulfill your legal obligations without straining your finances.

    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 from InsuranceDekho, I don't have to worry about repair costs for my Toyota car in case of an accident. It's a financial safety net.

    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 and quick service saved me time and ensured that my Ford car stayed protected.

    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 of my Hyundai car that I file for the Acko Car Insurance Policy and stay updated on its status.

    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 I've had questions or needed help with my coverage of the Acko Car Insurance Policy for my Renault car.

    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 Insurance Policy in just a few clicks. It's a convenient way to ensure that my Tata car stays protected on the road.

    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 accident, the Acko Car Insurance Policy ensured that the repair costs were settled fairly and promptly. I didn't have to fight for my rights; they handled everything efficiently.

    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 Policy is an investment in the safety of my Honda car.

    By Abeer Singh
    On: September 21, 2023

Insurance Products by Acko General Insurance

Acko Third Policy FAQs

  • What happens if my vehicle is not insured against third-party liability?

    As per the Indian Motor Tariff 2002, it is compulsory for every vehicle owner to have an insurance policy for his/her vehicle. The third party policy is the most affordable and basic car insurance policy that you can avail.

  • What is the maximum coverage of third-party liability insurance policy?

    This depends on the type/degree of injury/damage incurred to the third party. In case of partial disability, a third-party policy can fetch you 50-75% of the sum assured. However, in the case of death, the rendered amount is 100%. The final compensation amount is decided by the court of law.

  • My policy document is lost, what should I do next?

    If you have your Acko car insurance policy, you can call up their toll-free number and request for your policy copy via email. Once you receive the email, you can take a printout of the same and keep it in your vehicle.

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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.