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

What Forms a Car Insurance Premium?

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)

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. Higher the NCB, lower is the price of your policy.

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

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

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.

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.

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

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

Tips to reduce Car Insurance Premium

No Claim Bonus (NCB)

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

Make Smart Claims

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.

Anti-Theft Devices

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

Other Factors

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

Timely renewals

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.

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.