Rasmit loved the killer prices

Acko’s price was almost 50% less than other insurers for Comprehensive car insurance. Surprised!

Rasmit Kumar Parida

Maruti Swift Owner, Bengaluru

Subha loved our seamless claims experience

From query to delivery, Acko’s quick turnaround time made sure my experience was completely hassle-free!

Subha Dip

Nissan Owner, Bengaluru

How it works

Acko General Insurance offers inexpensive policies and a wide range of Add-on covers to customize it as per your requirements.

Start with entering your car number or selecting your car.

To make your process easier we do the hard work of fetching your car details from your car number and ensuring that it is accurate. However, if you do not remember your car number you can always select your car on your own.

Select Your Car – Acko Car Insurance

Just answer a few simple questions about your car.

We have kept these questions extremely simple like where do you drive or if your previous policy has expired or if you remember when you claimed last.

View amazing plans and prices tailor-made for you.

We strive hard to offer you the best prices in the market. You can select your own IDV and apply myriad offers available to you to get to an optimal price. When you are ready, just select a price.

Maruti Suzuki WagonR Car Insurance Comprehensive Plan

Choose a price, make payment and the policy will be in your inbox in seconds.

WagonR Car Insurance – Acko Insurance

Why Compare Car Insurance?

By comparing car insurance policies online, you can get a better deal on the premium amount. Here are some reasons which will help you understand why you should compare policies before buying car insurance.

Value for Money

Comparing policies will help you understand the features of a policy that might give the best value for your money.

Coverage Options

Comparing car insurance will help in determining which coverage options, for example, Add-ons, are available for a similar price.

Better Services

While comparing car insurance policies also choose an insurer which provides better services.

Types of Car Insurance Policies

Third-party Car Insurance

It offers the most basic type of coverage and is the least expensive type of car insurance policy. With a Third-party liability policy, your insurer will compensate the third party in case of damages and injuries caused to another person/property due to your insured car.

Comprehensive Car Insurance

A Comprehensive policy covers you against damages caused to Third-party Liabilities as well as Own Damage. It offers wider coverage and you can buy Add-ons with this type of policy.

Add-ons are additional coverage options which will enhance the scope of a comprehensive car insurance policy.

The 5 most common Add-ons are:

Third PartyComprehensiveComprehensive
+ Zero Depreciation
Damage to a third-party vehicle
Own Damage
Theft
Damage due to fire
Damage due to natural causes
Personal Accident cover
Depreciation fees
Engine protectionOptional Add-onOptional Add-on
NCB protectionOptional Add-onOptional Add-on
Invoice coverOptional Add-onOptional Add-on

5 Important Factors for Comparing Car Insurance Policies

Before you begin with comparing various policies, you need to understand the factors based on which you can compare a similar type of policy. Here are the important factors based on which you can compare car insurance policies.

Acko Car Insurance Policy

FACTOR # 1

Price

Even though cost is the major factor, do not compromise on the features of the policy. Look around for the prices offered by different insurers. But, also keep in mind the covers that you need. Pick a policy that suits your requirements and pocket both.

FACTOR # 2

Coverage

Apart from the basic coverage, look out for add-ons such as Zero Depreciation, Return To Invoice, etc. You must understand your driving habits well before buying an insurance policy.

You may also want to take into consideration other value-added services offered by an insurance company.

FACTOR # 3

Customer Reviews

You do not want to spend money on an insurance policy and still be left uncovered during difficult times. So, it is important to go through the customer reviews for an insurer.

Knowing the claim settlement ratio of an insurance company will be helpful.

Also, dedicating some time to do a research on the after-sales services provided by the company may be beneficial.

FACTOR # 4

Deductibles & Premiums

At the time of claims, you need to pay a small part of the claim amount. This part is known as a Compulsory Deductible.

There is also an option of paying a Voluntary Deductible. This is the amount of claim that you agree to pay from your own pocket, irrespective of the coverage you opt for.

At the time of purchasing a car insurance policy, if you agree to pay a higher Voluntary Deductible it could reduce the cost of car insurance, but at the time of making a claim, you might end up paying more than expected. While comparing the price of different policies, take the deductible amount into consideration.

FACTOR # 5

Exclusions & Invalid Claims

It is always a good practice to understand what is covered and what is not covered under your car insurance policy.

Going through the terms and conditions, policy wording, and fine-print while buying a policy will be helpful and reduce the chances of rejection or invalid claims.

Frequently Asked Questions

Acko is a licensed non-life insurance company regulated by the IRDAI (Registration number 157). Buying car insurance from Acko helps you save time and money both during purchase as well as in the event of claims. Acko intends to make insurance effortless, affordable and hassle-free. The Acko car insurance product offers you a host of benefits - Zero paperwork during purchase or claim, a hassle-free claims experience with cashless claim settlement and pick up of damaged car within 1 hour and guaranteed end to end TAT of 3 days failing which you will be issued free cab vouchers (applicable in select cities – Ahmedabad, Bengaluru, Chennai, Delhi, Goa, Hyderabad, Kolkata, Mumbai, Nashik, Pune & Surat). We also offer low prices exclusively to Amazon customers. Buying insurance from us is seamless and you will receive the policy document instantly in your email account.
Acko has introduced a technology-driven process that makes it very easy for you to complete the purchase online without the help of any third party. Thus, when you buy directly from us, we spend less. We have minimal sales branches too and hence incur lower cost. We pass on these savings to you so you can avail the best insurance at a lower price.
Yes, you can still purchase Acko car Insurance, if the expiry date (of current policy) is less than 60 days from today. The Acko policy will come into effect post the expiry of current policy. If the expiry date of current policy is greater than 60 days from today, you can choose to opt for the "Buy Later" feature on Acko's website that will notify you when your policy is about to expire, and you can purchase Acko car insurance at that time.
Yes, even if you are not an Amazon customer, you can still purchase the policy on our website. However, Amazon customers get exclusive pricing, which you will miss out on. If you are an Amazon customer, you can use your Amazon login credentials and pay using any payment method such as credit cards/ debit cards, net banking or using Amazon Pay balance for a single click experience.
You can raise a claim on our website www.acko.com or contact our call center at 1-860-266-2256. When you raise a claim, you should provide the following information: (1) Your contact number OR the vehicle number (2) Description of the incident and photographs of the vehicle if possible, (3) FIR in case of theft, or loss of any third party. You will also get a periodic status update on your claims.
Yes, we offer the Zero Depreciation Add-on and it is available for purchase. Also, the Consumables Cover is a part of the comprehensive car insurance plan. We are currently working on bringing more add-ons that will be made available soon.
For any assistance, contact Acko at 1-860-266-2256 or send us an email at hello@acko.com.