ACKO Car Insurance policy starting at Rs. 2,762*

Key features and benefits of this policy

Benefits of opting for ACKO Car Insurance 00:46

Benefits of opting for ACKO Car Insurance

Safeguard your car with ACKO Car Insurance. Learn about the features and benefits of the policy here.

  • Low premiums  

    Low premiums  

    ACKO car insurance policy offers comprehensive coverage at low premiums. For example, on an Insured Depreciation Value (IDV) of Rs. 77,799, the premium is Rs. 2,762*.

  • Cashless service  

    Cashless service  

    Repair your car at any of the specialised ACKO cashless garages across India without paying in cash.

  • Doorstep delivery

    Doorstep delivery

    Get your vehicle delivered to the doorstep after repairing for free within 3 working days.

  • No-claim bonus add-on package

    No-claim bonus add-on package

    Retain your NCB even after making two claims in a row during the policy period with this add-on cover. You can use the discount on the renewal premium.

  • Zero depreciation add-on cover

    Zero depreciation add-on cover

    ACKO covers the depreciation of car parts with zero dep insurance, so that you can claim for insurance without any deductions for depreciation.

  • Personal accident cover

    Personal accident cover

    ACKO offers a personal accident cover of up to Rs. 15 lakh for owner-driver. It covers accidental injuries, disabilities, or death.

  • Engine protection add-on cover 

    Engine protection add-on cover 

    ACKO covers the repair/replacement cost of the car's engine. In a city with a lot of rainfall, this is an add-on you must carry.

  • Roadside assistance 

    Roadside assistance 

    This add-on coverage gets you 24x7 roadside assistance. Call ACKO at their roadside assistance number mentioned in the policy.

  • Key replacement cover

    Key replacement cover

    This add-on benefit covers expenses incurred for replacing lost or misplaced car key and lockset.

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Eligibility criteria and documents required

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

Eligibility criteria  

  • Nationality: Indian
  • Age: 18 years and above
  • Valid vehicle registration number and certificate

Documents required

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

Step-by-step guide to buy this policy

How to apply for the ACKO Car Insurance 01:06

How to apply for the ACKO Car Insurance

Watch this video to know how to apply for the ACKO Car Insurance

  • Step 1

    Step 1

    Click on 'Get Quote’ button on this page to visit the online application form.

  • Step 2

    Step 2

    Enter the vehicle type, car registration number, mobile number, and residential pin code. Check the terms and conditions and click on the ‘Get Quote’ button below.

  • Step 3

    Step 3

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

  • Step 4

    Step 4

    Choose ACKO Car Insurance policy by 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

    Step 5

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

  • Step 6

    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

    Step 7

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

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

    You will also receive an SMS confirmation immediately after the payment processed successfully.

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

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Key inclusions and exclusions

Here’s a quick look at the inclusions and exclusions under the ACKO Car Insurance policy:

  • Key inclusions
  • Key exclusions
Key inclusions Description
Third-party liabilities Coverage against damages caused to a third person’s body, property, or vehicle
Accidental damage Coverage against damages caused due to accidents
Fire damage Coverage against damages caused due to fire explosion, self-ignition, or lightning
Theft Coverage up to the insured declared value in case of your gets stolen
Natural and man-made calamities Coverage against damages from both natural and man-made calamities
Key exclusions Description
Location Any loss or damage caused to your car outside the geographical limits of India
Pre-existing damages Any damage that your car has suffered before buying this car insurance policy
Normal wear and tear Repair or replacement costs of damage caused over time due to regular usage to the car’s parts

How to raise a cashless claim

Follow these steps to raise cashless claim requests with ACKO Car Insurance.

  • Contact the insurer

    Step 1 - Contact the 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

  •  Locate your nearest network garage

    Step 2 - Locate your nearest network garage

    After registering the claim, take the car to an ACKO network garage near you. In some cases, a crew member will take your vehicle for repairs at network garages.

  • Repair cost and coverage is estimated

    Step 3 – Repair cost and coverage is estimated

    A surveyor and a mechanic will give you the estimate repair cost and the coverage amount based on the applicable terms and conditions.

  • Bill is settled between ACKO and the garage

    Step 4 - Bill is settled between ACKO and the garage

    The garage will repair the car and settle the bill directly with ACKO
    You need to pay the balance (deductibles) amount to the garage.

How to raise a reimbursement claim

To reimburse your car repairing bills with ACKO Car Insurance, follow these steps.

  •  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) and inform ACKO about the damage to your vehicle.

  • Repair your car at any of your preferred garages

    Step 2 – Repair your car at any of your preferred garages

    Get your vehicle repaired at your preferred garage, pay the bills, and retain the invoice.

  • 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.

  • 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 raising a claim request

Here is the list of documents required to raise a claim request with ACKO Car 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 car (in case of reimbursement claim)

Frequently asked questions

Why should we choose ACKO motor insurance?

ACKO is a trusted name in motor insurance with over 10 lakh insured vehicles. It had a claim settlement ratio of over 95% for 2021-22. ACKO offers affordable premiums and an entirely paperless claim processing facility. ACKO has sold more than 60 crore insurance (health and motor) policies so far. Bajaj Finance Limited along with ACKO General Insurance offer two policies; ACKO Car Insurance policy and ACKO Two-wheeler Insurance policy

What is the contact number of ACKO motor insurance?

Users can contact the ACKO helpline team at 1800-266-2256 (toll-free).

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

You need to file an FIR for a car theft, or any injury caused to a third party or damage to their property. You do not require to file an FIR if the claim is for minor accidents.

What is a zero-depreciation add-on in car insurance?

A zero-depreciation add-on enables you to get the full value of the claim amount. It covers the depreciation value of your car and its parts. Usually, insurers deduct the depreciation value during the claim settlement process. This zero-depreciation cover is best for cars less than 5 years old.

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*T&C Apply - 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, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care 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 Private Car Package Policy UIN IRDAN157RP0007V02201718. 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 which are subject to change in future. Please 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.
*Premium indicated is inclusive of taxes for third party coverage of four-wheeler up to 1000 CC. Premium may vary based on the specification of the vehicle.
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.