ACKO General Insurance

Buy ACKO motor insurance plans instantly with zero paperwork. Get the convenience of cashless vehicle repairing, hassle-free claim settlement, and doorstep vehicle delivery.

ACKO motor insurance policies provide comprehensive coverage for your vehicles against own damage and third-party liabilities. It facilitates cashless vehicle repairs at network garages along with doorstep claim settlement. The annual premiums are as low as Rs. 2,762* for cars and Rs. 702* for two-wheelers. It has maintained a claim settlement ratio of 95.45% as of 2022.

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Step-by-step guide to buy ACKO Insurance policies

  • Step 1

    Step 1

    Open our online application form.

    Click here to insure your private car.

    Click here to insure your two-wheeler.

  • Step 2

    Step 2

    Enter the vehicle type, 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, optional add-on covers and plan type to get a list of relevant insurance policies. You need to update your current insurance policy expiry date here.

  • Step 4

    Step 4

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

  • Step 5

    Step 5

    Confirm the vehicle registration date and the previous policy type (Comprehensive/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 – Net banking, UPI, Credit/debit card to buy the policy.

    After successful payment, your car insurance 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.

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Documents required to buy the policies

No documents are required to buy ACKO motor insurance policies on Bajaj Finance Insurance Mall. Below are some basic information you need to purchase the policy.

  • Registration number of the vehicle being insured
  • Valid 10-digit mobile number
  • Name and e-mail ID of the applicant
  • Residential address and PIN code of the applicant
  • Previous policy details of the vehicle

How to raise cashless claim requests

To claim the benefits of cashless claims at ACKO network garages, follow these steps:

  • Step 1 - Contact ACKO

    Step 1 - Contact ACKO

    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 your vehicle 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

    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 your vehicle and settle the bill directly with ACKO.

    The balance (deductibles) amount needs to be paid by you to the garage.

How to raise reimbursement claim requests

Follow these three steps to get reimbursement on your vehicle repair charges.

  • Step 1 - Inform the insurer

    Step 1 - Inform the insurer

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

  • Step 2 - Get the vehicle repaired at any of your preferred garage

    Step 2 - Get the vehicle repaired at any of your preferred garage

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

  • Step 3 - Upload the invoice and other necessary documents

    Step 3 - Upload the invoice and other necessary documents

    Submit the reimbursement claim with ACKO by logging in to their website or app and uploading the invoice and necessary documents.
    ACKO will reimburse the claim as per the policy terms and conditions.

Documents required for raising claim requests

Here are the documents required to raise claims with ACKO.

  • Copy of the registration certificate (RC) of your vehicle
  • Copy of the driving licence of the owner of the vehicle
  • Policy document
  • 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 vehicle (only in case of reimbursement claim)

Contact ACKO Insurance

For queries related to the policy, claim settlement and other related information, you can contact the insurer in the following ways:

Frequently asked questions

Why should we consider choosing ACKO motor insurance?

ACKO is a trusted name in motor insurance with over 10 lakh insured vehicles and a claim settlement ratio of 95.45% for 2021-22. ACKO offers low premiums and an entirely paperless claim processing facility. ACKO has sold more than 60 crore insurance (health and motor) policies to date. Bajaj Finance Limited along with ACKO General Insurance offer two policies; ACKO Car Insurance policy and ACKO Two-wheeler Insurance policy

How do we contact ACKO for queries related to motor insurance policies?

Users can get in touch with the ACKO helpline team at 1800-266-2256 (toll-free) or by e-mail at

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 car theft in case of 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 is a Zero Depreciation add-on in car insurance?

Zero depreciation cover comes as an add-on cover on regular motor insurance policy. It enables you to get a higher claim amount. As, the insurer does not deduct the depreciation value of your car, and its parts during the claim settlement process.

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: Covers 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 a 100 km radius of 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.
Consumables cover: This covers the cost of consumable items such as screws, grease, and brake oil, except the cost of fuel.
Click here to check the ACKO Bike Insurance policy on Bajaj Finance Insurance Mall.

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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, The New India Assurance Company Limited, Cholamandalam MS 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. 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. Tax laws are subject to change. 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 a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

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.