ACKO Car Insurance FAQs

Frequently asked questions

How to raise a car insurance claim?

Contact the insurer by calling on 1800-266-2256 (toll-free) or sending an email at hello@acko.com for support. Here’s a quick guide to how you can raise a car insurance claim online with ACKO General Insurance company.

  • Visit the insurer’s website acko.com
  • Log in to the account by providing your mobile number
  • Click on ‘Claim Now’

You will also get an option of availing an instant settlement.

What if accident happened at night or on a Sunday, how will ACKO arrange the pickup?

ACKO offers 24x7 roadside assistance cover. You can avail the benefit to get your vehicle towed to the network garage beyond on any day. You can also contact the center to schedule a pickup during the working hours as per your requirement.

Can I buy add-on covers in the middle of the policy period?

Yes, you can buy add-on covers in the middle of the policy. ACKO will check your car once before offering you add-on covers.

What if my policy document gets misplaced?

You receive a soft copy of the car insurance policy at the time of purchase. The insurer sends the policy immediately after purchase on your registered email ID. You can use the soft copy, as considered valid policy document.

Is there a limit on the number of add-ons I can purchase?

Choose any number of add-ons based on your requirements. You need to pay extra to buy the add-on covers. Therefore, you can choose to add as many as add-on covers to your comprehensive car insurance policy.

What happens to my car insurance policy if I modify my car?

Making modifications to the car increases the value of your car. Therefore, it will affect the cost of your ACKO car insurance policy. To get coverage for these additional features, you will have to pay higher premium than usual.

What does ‘cashless' mean in cashless garage?

The insurers have a network of garages that offer cashless services to their policyholders. Policyholders can get their vehicles repaired at these network garages without paying the bill. The insurer directly deals with the network garage and completes all formalities. Insurer also settles the bill directly with the network garage. Therefore, it says cashless garage.

Which type of car insurance should I buy?

Consider an insurance policy that covers you adequately against any damages or losses incurred. Having a third-party insurance is mandatory by law but securing your own vehicle is also important. You may choose to buy a standalone own damage cover along with your third-party car insurance to stay fully covered. You can also look for comprehensive car insurance policies that cover you against both third party and own damages. The premiums for these car insurance policies are different and based on the coverages offered.

Does ACKO resolve claims beyond city limits?

Yes, you can avail the roadside assistance facility. Contact the ACKO centre to know the nearest network garage/workshop. You will have to get your vehicle towed to the garage. Once taken there, an external surveyor will assess the damages caused and make a report accordingly. The insurer will then carry out the claim process.

Do I have to inform anyone if I install a CNG/LPG kit in my car?

Yes, you need to inform your insurer about any modifications made to the car. Contact the ACKO help desk at 1860-266-2256 or send an email at hello@acko.com.

How do I change my policy details?

To change your policy details, contact the ACKO help desk at 1860-266-2256 or email hello@acko.com. You need to submit supporting documents if applicable.

What is the ‘door-to-door’ claim policy at ACKO?

ACKO offers totally stress-free claims. ACKO’s door-to-door claims helps you settle the claim hassle-free. You get free pickup and drop* services, three-day repair guarantee*, and claim tracking.

(*check your policy document for more information)

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Disclaimer

*T&C Apply. Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Life Insurance Limited (Formerly known as Bajaj Allianz Life Insurance Company Limited), HDFC Life Insurance Company Limited, Life Insurance Corporation of India (LIC), Bajaj General Insurance Limited(Formerly known as Bajaj Allianz General Insurance Company Limited), SBI General Insurance Company Limited, ACKO General Insurance Company Limited, HDFC ERGO General Insurance Company, TATA AIG General Insurance Company Limited, ICICI Lombard General Insurance Company Limited, New India Assurance Limited, Chola MS General Insurance Company Limited, Zurich Kotak General Insurance Company Limited, Star Health & Allied Insurance Company Limited, Care Health Insurance Company Limited, 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 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. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure & policy wordings carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also distributor of other third party products from Assistance service providers such as CPP Assistance Services Private Limited, Bajaj Finserv Health Limited. etc. All product information such as premium, benefits, exclusions, value added services etc. are authentic and solely based on the information received from the respective Insurance company or the respective Assistance provider company.

Note- While we have made all the 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 products sales brochure and policy/membership wordings before concluding sales.