Preferred Language

Preferred Language

ACKO Car Insurance Online

A car insurance policy helps you stay financially covered against expenses arising from any loss or damage caused to the vehicle or sustained physical injury due to earthquakes, tree-falling, fire, accidents, theft, among others. Acko Car Insurance ensures that you are adequately secured at affordable premiums and get a host of benefits like low-cost add-ons, zero paperwork purchase, claim assistance, and many more.

Key Features of Acko Car Insurance

Features Coverage of Acko Car Insurance
Claim settlement ratio 94% for FY20-21
Paperwork required Zero paperwork – 100% digital process
Claims settled claims
Trusted by 6.2 crore customers
Presence Present in 647 cities and towns across India
Consumable expenses Covered
Cars insured Over 10 Lakh

Key Features and Benefits of ACKO Car Insurance

Acko Car Insurance provides certain add-ons to ensure better protection to your vehicle.

  • Own damage cover

    This policy covers loss or damages caused to your car due to both man-made and natural calamities.

  • Third-party cover

    Third-party car insurance offers coverage against financial liabilities arising from damage caused to a third-party vehicle or property and physical injury.

  • Personal accident cover for owner-driver

    Get cover for up to Rs. 15 lakh in case of accidental injuries, disabilities or unfortunate death.

  • Add-on covers for more protection

    Here are some of the additional covers that you can opt for with your comprehensive car policy.

  • • Zero depreciation

    An add-on where the insurer does not consider depreciation and damages or repair costs are reimbursed at original prices.

  • • Roadside assistance

    A service by the insurer to make sure that you are not left stranded in case of any emergency like an accident or running out of fuel, etc.

  • • Key replacement cover

    This cover reduces the hassle in case of loss or misplacement of your car key. With this cover, you can get reimbursement expenses of repairing or replacing a lost, damaged, or stolen key for the sum insured specified in your policy.

  • • Outstation emergency cover

    This offers you financial protection if your vehicle is immobilised due to a breakdown/accident outside a 100 kilometres radius of your place of residence during the policy period.

  • • Engine Protection Cover

    This add-on allows you to get your engine repaired without any additional payments. The cover includes engine parts like connecting rods, pistons and others.

  • • No Claim Bonus

    This cover allows you to enjoy the advantage of No Claim Bonus even after raising 2 claims in a row. It allows you to have a discounted premium going forward.

  • • Return to invoice

    This covers the original invoice value of your car in the event of theft/irreparable loss. This includes the car registration cost and road tax as well.

  • • Personal accident cover for passengers

    This covers all those who travelled in the car at the time of accident or damage. The compensation is given if one or more passengers suffer permanent disability or are victims of accidental death.

  • Plan variants


    Here's one of the variants of ACKO:

    Zero depreciation basic

    Popularly known as the bumper to bumper plan, this cover includes all the benefits of a comprehensive car policy along with the zero-depreciation add-on. Under this policy, the entire claim amount is payable without considering the depreciation value on car parts.

    As soon as you inform ACKO about your claims, a crew is assigned to pick up your car and get it repaired at ACKO preferred garages.

    With the help of skilled technicians and quality operations, the vehicle is repaired and delivered back in three days* at your doorstep.

    Note: *Available in selected cities of NCR, Bangalore, Mumbai, Pune, Chennai, Hyderabad, Kolkata and Ahmedabad and at ACKO preferred garages only

    Through ACKO preferred garages, the entire supply chain is controlled, from procuring authorised parts to minimising labour charges. By cutting down all the unnecessary expenses, the cost-benefit is passed on to you.

Types of Acko Car Insurance policy

Acko provides 2 types of car insurance policies to cater to the insurance needs of its customers:

Comprehensive Car Insurance:

It provides 2-in-1 coverage against your own damages or injuries and also against damages caused to a third-party. A beneficial plan, this provides you coverage appropriate and valid for most accidents.

Third-Party Car Insurance:

Third-party car insurance is mandatory and covers third-party damages or injuries. In case of death or permanent disability, it covers both the third-party as well as owner/rider of the insured car. Legal claims from third-party and expenses arising due to the same are also covered under third-party insurance.

Acko Car Insurance renewal process

Follow these simple steps to renew your policy.

Step 1
Visit the Insurance section on our website.

Step 2
Click on the 'manage your policy section' and go to ‘renew your policy’ tab.

Step 3
Enter the details required to make a payment and renew your policy.

Step 4
Once the policy is issued, it will be visible to you in the My Accounts section.

How to purchase ACKO Car Insurance Policy

Here is how you can purchase the comprehensive car insurance plan in just two easy steps:

  • Click on Apply Now and fill in the necessary details in the application form.
  • If required, opt for a call back from our representatives or complete the process by clicking on ‘Buy Now.

How to raise a claim

You can quickly raise your claims online with ACKO. Here’s how you can raise cashless or reimbursement claims:

  • Log in to with your registered mobile number and click on the ‘Claim Now’ section.
  • You can also raise it through the app by tapping on the claims section and following the prompts.

In case of an accident, you can call on 1800-266-2256 (toll-free). Once the claim is registered, a crew will be assigned to pick up your car for repairs at ACKO preferred garages.

Documents Required for ACKO Car Insurance Claim

Here are the documents required for raising a claim under this policy.
For cashless claim:

ACKO 4 wheeler insurance requires no major documents to process your cashless request unless it’s a theft or major loss claim. Under such circumstances, we advise you to share the following:

  • Copy of Registration Certificate (RC) of your vehicle
  • Copy of your driving licence
  • Relevant KYC documents

For reimbursement claim:

Before you go for car repairs, you must send a claim intimation to ACKO. After reviewing the details, and if the claim is well within the policy terms, you will receive approval soon. Once your car is repaired, you can forward the invoice copy to ACKO for processing the reimbursement.

Major policy exclusions

Here are some of the exclusions under the policy:

  • Any loss or damage caused outside the geographical area
  • Any loss or damage arising out of your car not being used as per the limitations to use
  • Any claim arising out of any contractual liability
  • Any consequential loss

Note: For more information on coverage and exclusions, please refer to the policy wordings before purchasing the policy.

Claim/Assistance Contact Details

BFL Helpline Number: – 08698010101

ACKO Insurance Helpline Number: 1800-266-2256 (toll-free)

E-mail –

Mailing address: Ground Floor, Bajaj Finserv Corporate Office, Off Pune-Ahmednagar Road, Viman Nagar, Pune – 411014.

*For claim related issues, please refer to your policy document or certificate of insurance (COI).

Frequently Asked Questions (FAQs) for Acko Car Insurance

Why is ACKO insurance so cheap?

Acko Insurance has a very dynamic approach and has transformed itself with time to adapt to a 100% digital model. Hence, there are no agents or middlemen to assist you. It results in cost-saving, making it one of the most inexpensive insurances for your car.

How reliable is ACKO insurance?

Acko Insurance is a reliable and reputed organisation offering car insurance policies that suit the needs of the peopleTheir claim-settlement ratio is more than 94% in FY 2020-21.

How can we buy ACKO insurance?

Buying a car insurance from ACKO is simple, quick and completely digital with no tedious paperwork. Get started now!

How do I file a claim for my ACKO car insurance policy?

It is a straightforward process to claim if you have Acko Car Insurance. It is a paperless way and completely digitalised. If you have taken the policy through Bajaj Finance Limited, you cancontact this helpline number and they will assist you further BFL Helpline Number: 08698010101

How do I check my ACKO insurance status?

You can log into the web portal of IIB. Enter some basic details like name, e-mail ID or mobile number, address, car registration number, etc. This will gnerate your insurance status.

If you have availed this policy through Bajaj Finance Limited, you can make a call on our helpline number: 086980101. Share some basic details and they will tell you the status of your insurance.

Is ACKO cashless?

Acko Car Insurance is a 100% digitalised service and has adapted to the new India vision of a cashless world. Their convenient doorstep service involves free pick up and drop of your vehicle after getting it repaired at their select garages. The costs for the repairs are taken care by the insurer.


Bajaj Finance Limited (BFL) is a registered corporate agent of third-party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Co. Ltd, ACKO General Insurance Co. Ltd., Niva Bupa Health Insurance Company Limited, Aditya Birla Health Insurance Company Limited, and Manipal Cigna Health Insurance Company Limited under the IRDAI composite registration number CA0101.

Please note that BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely voluntary after you exercise independent due diligence on the suitability, viability of any insurance product. Any decision to purchase an insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. This product provides insurance coverage under the Private Car Package Policy under UIN: IRDAN113RP0007V01201819 of  ACKO General Insurance Co. Ltd. (IRDAI Regn. No. 157) (UID 2942). Please refer to the insurer's website for Policy Wordings. For more details on risk factors, terms and conditions, and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any will be as per the prevailing tax laws.

Did you know, a good CIBIL score can help you get a better deal on loans and credit cards?