Key features and benefits of this policy
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*.
Get your car repaired at any of the specialised ACKO cashless garages across India without paying in cash.
Get your vehicle repaired at ACKO cashless garages and delivered to your doorstep for free within 3 working days.
No-claim bonus add-on package
With this add-on coverage, you get discounts on premiums even after raising two claims in a row during the policy period.
Zero depreciation add-on cover
ACKO covers the depreciation of car parts so that you can claim for insurance without any deductions for depreciation.
Personal accident cover
ACKO offers a personal accident cover of up to Rs. 15 lakh for owner-driver in case of accidental injuries, disabilities or death.
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.
This add-on coverage gets you 24x7 roadside assistance. Call ACKO at their roadside assistance number mentioned in the policy.
Key replacement cover
This add-on benefit covers your expenses incurred for replacing a lost or misplaced car key and lockset.
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.
- Nationality: Indian
- Age: 18 years and above
- The vehicle being insured should have a valid registration number and certificate
- Car registration number
- Mobile number
- Residential PIN code
- Previous policy details
Step-by-step guide to buy this policy
Click on 'Get Quote’ button on this page to visit the online application form.
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.
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.
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 ‘Next’ to proceed.
Confirm the vehicle registration date and the previous policy type (Comprehensive/third-party). Click on ‘Proceed’.
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.
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.
Key inclusions and exclusions
Here’s a quick look at the inclusions and exclusions under the ACKO Car Insurance policy:
- Key inclusions
- Key exclusions
|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||In case the car is stolen, the car insurance will provide coverage|
|Natural and man-made calamities||Coverage against damages from both natural and man-made calamities|
|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 car parts that are damaged over time due to regular usage|
For complete details on product benefits, features, terms and exclusions, please read the product brochure and policy wordings carefully before buying a policy.
How to raise a cashless claim
Follow these steps to raise cashless claim requests with ACKO Car Insurance.
Step 1 - Contact the insurer
Log in to acko.com 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 email@example.com
Step 2 - Locate your nearest network garage
Once the claim is registered, take the car to an 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
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
The garage will repair the car 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 car repairing bills with ACKO Car Insurance, follow these steps.
Step 1 - Contact the insurer
Log in to acko.com 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 vehicle.
Step 2 – Repair your car at any of your preferred garage
Get your vehicle repaired at your preferred garage, pay the bills, and retain the invoice.
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
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 you need 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
ACKO is a trusted name in motor insurance with over 10 lakh insured vehicles and 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 till date. Bajaj Finance Limited along with ACKO General Insurance offer two policies; ACKO Car Insurance policy and ACKO Two-wheeler Insurance policy
Users can contact the ACKO helpline team at 1800-266-2256 (toll-free).
A First Information Report (FIR) is not always required to file a claim. In cases such as car 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.
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, which are usually not considered during the claim settlement process. This zero-depreciation cover is best for cars less than 5 years old.
Provides financial coverage for passengers who are travelling in the insured person’s car.
Covers the insured person against legal liabilities due to the loss/damage to a third party.
Safeguards the insured vehicle against unforeseen damages.
When the insured person gets injured due to their own negligence and barred from recovering any damages.