ACKO General Insurance - Two-wheeler Insurance policy starting at Rs. 702*

Key features and benefits of the policy

  • Coverage against theft, damage, and natural calamities

    Covers your own insured vehicle against damages caused due to natural calamities, theft, fire, and accidents.

  • Third-party liability coverage

    Covers the expenses of physical injuries caused to the third party or damages or losses caused to their property or vehicle.

  • Receive instant claim settlement for minor repairs

    Login to ACKO, answer a few questions, and upload the pictures showing damage to your two-wheeler to receive instant claim settlement for minor damages.

  • Cashless service

    Get your two-wheeler repaired at any of the specialised ACKO cashless garages across India without paying in cash.

  • 100% digital process

    ACKO offers policies with a 100% digital and paperless process. The claim settlement process is also fully digital.

  • Personal accident cover

    Gives coverage of up to Rs. 15 lakh in case of accidents that lead to injuries, disability, or death of the owner-rider of the two-wheeler.

  • No Claim Bonus

    Benefit from the No Claim Bonus and get up to a 50% discount on your own damage premium, depending on the policy years.

Show More Show Less

Eligibility criteria and documents required

Anyone fulfilling the below-given criteria is eligible to buy ACKO Bike Insurance. Also, below is some basic information you need to keep handy to buy the policy.

Eligibility criteria  

  • Nationality: Indian
  • Age: 18 years and above
  • The vehicle being registered should have a valid registration number and certificate 

Documents required

Only basic information required while buying the policy:
  • Two-wheeler registration number
  • Mobile number
  • Residential PIN code
  • Previous policy details


Step-by-step guide to buy this policy

  • Step 1

    Click on 'Get Quote’ to open the online application form.

  • Step 2

    Enter the vehicle type, two-wheeler registration number, mobile number, and residential PIN code. Check the terms and conditions and click on the ‘Get Quote’ button below.

  • Step 3

    Choose the IDV, NCB value, add-on covers and plan type to get a list of relevant policies. You need to update your current policy expiry date here.

  • Step 4

    Click on the ‘Buy Now’ button. You will need to add owner-driver personal accident cover mandated by the RTO. Click on Next to proceed.

  • Step 5

    Confirm the vehicle registration date and the previous policy type (Comprehensive/third-party). Click on ‘Proceed’.

  • Step 6

    Enter vehicle owner’s name, date of birth, residential address and contact number. Also, enter vehicle engine and chassis number (as per the RC) and previous policy details.

  • Step 7

    Review your previously filled details and make the payment through your preferred online payment mode – net banking, UPI, credit/debit card to buy the policy.

    After successful payment, your policy document will be available for you to download instantly. A copy of the policy document will also be mailed to your registered email ID within 5-7 working days.

    You will also receive an SMS confirmation immediately after the payment process is completed.

    You can also access your policy details through the 'My Account' section within 5-7 days after purchase.

Show More Show Less

Key policy inclusions and exclusions

Here’s quick look at the inclusions and exclusions under the ACKO Two-wheeler Insurance:

  • Key inclusions
  • Key exclusions
Key inclusions Description
Zero depreciation cover Coverage calculated without deducting the depreciated value
Outstation emergency cover Assistance for accidents or vehicle breakdown while being out of station
Engine protection cover Replacement of engine parts due to damages
Consumable’s cover Consumable items such as screws, grease, brake oil, excluding fuel
Theft Coverage up to the insured declared value in case of theft of your two-wheeler
Key exclusions Description
Location Any loss or damage caused to your two-wheeler outside the geographical limits of India
Pre-existing damages Any damage that your two-wheeler has suffered before buying this two-wheeler insurance policy
Normal wear and tear Repair or replacement costs of the two-wheeler’s parts that are damaged over time due to regular usage

How to raise a cashless claim

Follow these steps to raise cashless claim requests with ACKO Two-wheeler Insurance:

  • Step 1 - Contact your insurer

    Step 1 - Contact your insurer

    Log in to or ACKO app and click on ‘Claim Now’ to register your claim request.
    You can also call 1800-266-2256 (toll-free) to register your claim or send an e-mail to

  • Step 2 - Locate your nearest network garage

    Step 2 - Locate your nearest network garage

    Once the claim is registered, take the two-wheeler to any ACKO network garage near you. In some cases, a crew may be assigned to take your vehicle for repairs at network garages.

  • Step 3 - Repair cost and coverage is estimated

    Step 3 - Repair cost and coverage is estimated

    A surveyor along with a mechanic will discuss and let you know the repair cost and the coverage amount based on the applicable terms and conditions.

  • Step 4 - Bill is settled between ACKO and the garage

    Step 4 - Bill is settled between ACKO and the garage

    The garage will repair the two-wheeler and settle the bill directly with ACKO.
    The balance (deductibles) amount needs to be paid by you to the garage.

How to raise a reimbursement claim

To reimburse your two-wheeler repairing bills with ACKO Two-wheeler Insurance, follow these steps.

  • Step 1 - Contact the insurer

    Step 1 - Contact the insurer

    Log in to or ACKO app using your registered mobile number or call 1800-266-2256 (toll-free) to register your claim and inform ACKO about the damage to your two-wheeler.

  • Step 2 - Repair your two-wheeler at any of your preferred garages

    Step 2 - Repair your two-wheeler at any of your preferred garages

    Get your two-wheeler repaired at your preferred garage, pay the bills, and retain the invoice.

  • Step 3 - Submit the required documents

    Step 3 - Submit the required documents

    Submit the reimbursement claim with ACKO by logging in to their website or app and uploading the invoice and the other necessary documents.

  • Step 4 - Claim settlement

    Step 4 - Claim settlement

    ACKO will review your claim and verify the documents to process the reimbursement as per the policy's terms and conditions.

Documents required for cashless and reimbursement claim

Here is the list of documents you need to raise a claim request with ACKO Two-wheeler Insurance.

  • Copy of the registration certificate (RC) of your vehicle
  • Copy of your driving licence
  • Policy number
  • Description of the incident and photographs of the vehicle (if possible)
  • First Information Report (FIR) in case of theft, injuries to any third party or damage to their property
  • The original bills for the repairs of the two-wheeler (in case of reimbursement claim)

Frequently asked questions

When is a First Information Report (FIR) required to raise a claim?

A First Information Report (FIR) is not always required to file a claim. In cases such as bike theft, injuries to any third party or damage to their property, you may need to file an FIR. You are not required to file an FIR if the claim is for minor accidents.

What documents do I need to purchase ACKO two-wheeler insurance policy from Bajaj Finance Insurance Mall?

Purchasing ACKO two-wheeler insurance policy from Bajaj Finance Insurance Mall is a hassle-free process requiring zero paperwork.

Does ACKO provides cashless claim?

ACKO comprehensive two-wheeler insurance provides cashless and instant claim settlement (within 2 hours) for minor damages in 647 cities across India.

What are the add-ons available to choose from in ACKO’s comprehensive bike insurance policy?

You can avail of the following add-on covers on the ACKO bike insurance policy:
Zero depreciation cover - this will cover the cost of repair and replacement without deducting the depreciated value.

Outstation emergency cover – If your two-wheeler meets with an accident or breaks down while on the road and outside 100 km radius from your residence, ACKO will reimburse the amount mentioned in the add-on cover for repairs that take more than 12 hours.

Engine protection cover – This add-on insurance cover will pay for repairing or replacing engine parts due to damages caused by floods, leakage of coolant or lubricating oil.

Consumable’s cover – This covers the cost of consumable items such as screw, grease, and brake oil, except the cost of fuel.

Show More Show Less


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 Company Limited, ACKO General Insurance Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited and ManipalCigna Health Insurance Company Limited under the IRDAI composite CA 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 on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase 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 ACKO Two-wheeler Package Policy UIN: IRDAN157RP0002V01201819 Please refer 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 which are subject to change in future. Pls consult your tax advisor for more details. Visitors are hereby informed that by providing their personal or any information on our website they agree and understand that the information submitted by them may be shared with insurers.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.

Premium indicated is inclusive of taxes for comprehensive coverage of two-wheeler up to 70 CC. Premium varies depending upon specification of vehicle.