Car insurance policy online in 3 simple steps - Acko
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How Acko Car Insurance Works

How Acko Car Insurance Works

Third-Party Cover

Third-Party Cover

This type of insurance is mandatory in India for every car owner/driver.It provides a financial protection in the case of any loss or damage caused to another person, property or vehicle because of your 4 wheeler.The third-party premium rate depends on the engine’s cubic capacity of your 4 wheeler. Such rates are fixed by the IRDAI, and are revised every year or so.


Depending on the terms and conditions of a specific insurance company in India, you might be entitled to some special discounts. These could include installing security devices to reduce theft, becoming a member Automobile Association of India, etc. Discounts reduce the price of your Car Insurance Policy.
No Claim Bonus (NCB)

No Claim Bonus (NCB)

You will be entitled to a No Claim Bonus if you do not file a claim in an active policy year. This bonus is cumulative in nature. Each consecutive claim free year will earn you a discount on the amount of your car insurance premium.
Own Damage Cover

Own Damage Cover

This is optional, yet, a beneficial cover. Own damage comes as a part of a Comprehensive Car Insurance policy in which a Third-party cover is also included.It protects you against any financial loss and your car against any damage due to accidents, fire, theft, natural or man-made calamities.The premium rate for such a cover is calculated as a percentage of the Insured Declared Value (IDV) of your vehicle in India.
Personal Accident Cover for Owner driver

Personal Accident Cover for Owner driver

In case you opt for a comprehensive auto insurance policy in India, you will receive a compulsory personal accident cover for owner-driver.
Insured Declared Value

Insured Declared Value

IDV is the amount you’ll receive in case of total damage or theft of your car. It does not affect other claim settlements or your car’s resale value.

Service Tax

When you buy a car insurance policy, service tax is applicable as per the guidelines of IRDAI.
Online Car Insurance Premium Calculator

Why Use an Online Car Insurance Premium Calculator?

Ease of Process

The initial comparison of policies makes the entire buying process simple, quick and easy.

Save Money

You compare different quotes and choose the plan that best suits your requirements.

Reduce Premium

When you use a motor insurance premium calculator, you get to see how a change in any of your details changes the premium amount.

Informed Decision

You are not influenced by agents or other while choosing a car insurance policy. You can weigh every aspect yourself and select the optimum plan.
Online Insurance Premium Calculator for Your Vehicle

How to Use an Online Insurance Premium Calculator for Your Vehicle?

Select Your Car

We will first need your car details.

We have tried to automate the process by fetching the car model and other details for you. Its okay even if you do not know the registration number. Select the car model and proceed.

Next, we will need details about your previous policy.

Simply answer a few questions like - Have you raised a claim? Has your previous policy expired? etc.
Has Your Current Policy Expired
Comprehensive Plan

With this information we will create a plan.

We strive hard to offer you the best prices in the market. You can tinker with options like IDV and we will create a car insurance plan just for you.

Now simply select the plan, make payment and get your policy instantly.

Make Payment and get Your Policy Instantly
Tips to reduce Car Insurance Premium

Tips to reduce Car Insurance Premium


The sure shot way of reducing your car insurance premium is by earning the NCB for your car.


File a claim against your car insurance policy only when you cannot personally afford to pay for the cost of damages. Making small claims will reset your NCB cycle.


If you buy and install any security devices, for example, an Anti-theft device, you will earn a discount on car insurance premium.


Providing accurate information like: geographical location, age of owner, profession or marital status, will result in better pricing for the policy you purchase.


Avoid policy lapse by renewing your car insurance policy on time. This will help in availing the No Claim Bonus.


Select only those add-ons which you absolutely need.


Expensive modifications will increase the cost of car insurance policy as you would want to get these parts insured against risks along with the car. If your priority is to reduce the amount of premium, then avoid these modifications.
To check Car Insurance Quote/Premium visithere.
ACKO White LOGOAcko General Insurance Ltd.Unit No. 301, 3rd Floor, E wing, Lotus Corporate Park, Off Western Express Highway, Jay Coach, Goregaon East, Mumbai 400063.Email: [email protected]Phone:1800 266 2256 (toll-free)
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IRDAI Registration No:157
Category:Non-Life Insurance
Trade logo displayed above belongs to Acko Technology & Services Pvt Ltd and used by Acko General insurance Limited under License.For more details on risk factors, terms and conditions, please read the sales brochure before concluding a sale.