ACKO Car Insurance

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 and Benefits of ACKO Car Insurance

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

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  Own damage cover

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

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  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.

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  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.

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  • Zero depreciation

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

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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

• Comprehensive Car Insurance: Comprehensive Car Insurance 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 is a completely digitized process and can be completed online. You can visit the Bajaj Finance Insurance Bazaar, fill in some basic details like registration number, car model, manufacturer, etc,. It also gives you the option to set your IDV and then you can choose the option to renew your policy accordingly.

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.

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

• Log in to acko.com 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.

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

For cashless claim:

ACKO 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.

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.

BFL Helpline Number: – 08698010101

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

E-mail –  wecare@bajajfinserv.in

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