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

6 Factors that affect your car insurance cost

Acko Car Insurance Policy


Value of your Car

Insured Declared Value (IDV)

Your insurance premium depends on a market value for your car set by the insurer. It’s called the Insured Declared Value or IDV. This IDV changes as your car ages due to depreciation as parts of your car get depreciated due to wear & tear with time.

IDV Affects Your Premium Amount Directly

The higher the IDV, the higher is your premium. You can opt for a lower IDV, but doing so may result in a lower claim amount for your policy. If the damages incurred to your car are more than the IDV, that you declared, you may have to pay the difference from your pocket.


Type of Car Insurance

Not every four-wheeler insurance policy offers the same coverage. It depends on the type of car insurance policy you buy. There are two main kinds of car insurance policies in India:

Third-party Car Insurance

A Third-party Policy is the most basic type of car insurance policy. It covers, the injuries caused to another person and his/her damaged property. This kind of car insurance policy has the lowest premium. Buying a third-party car insurance policy is mandatory by Indian law.

Comprehensive Car Insurance

This policy covers all kinds of damages — to your car, another person’s property, and the insured car’s owner-driver. Cause of damages can include Collision, Theft, Fire, Sabotage, Natural occurrences or Man-made calamities.

Since Comprehensive Car Insurance offers greater coverage than a Third-party Insurance, it costs more.

Your basic Comprehensive Car Insurance premium consists of Cost of Third-party Cover, Cost of Own Damage Cover, and Personal Accident Cover for the owner


Add-on Coverage

You can increase the protection your four-wheeler insurance offers with the help of Add-ons. The more the Add-ons on your auto insurance policy, the higher the car insurance premium.

The 5 most common Add-ons are

  • Zero Depreciation
  • Engine protection
  • NCB protection
  • Invoice Cover

Zero Depreciation or Bumper to Bumper Add-on

Zero Depreciation or Bumper to Bumper is an Add-on to a Comprehensive Car Insurance Policy. If you opt for this cover, your insurer will not take depreciation into account at the time of a claim. It has the highest premium as compared to a Third-party Liability and Comprehensive Car Insurance Policy.

The maximum number of claims allowed with a Zero Depreciation Car Insurance policy is two.

Why Zero Depreciation Add-on?

The value of your car decreases with time. This is called depreciation. Your insurance company only pays a portion of the bill as the remaining amount is deducted on the account of depreciation. As per this Add-on, your insurer will pay the maximum payable amount of the whole bill without considering depreciation.


Your Car’s Age

The Insured Declared Value or IDV depends on your car’s value. However, the value of your car reduces every year. So, the older a car is, the lower is its value. This can lower your premium and the sum assured.

However, age also makes a car riskier and more susceptible to damages. Car insurance companies often check your car’s health while deciding the premium.


Extra Security Features

One of the easiest ways to reduce your four-wheeler insurance premium is by installing anti-theft and other security features. This is because insurance companies are in the business of lowering your risk. The lower the risk, the lower is the price of your premium.


Your Claim History

Car insurance companies reward good drivers and those who do not claim.

This is done through a ‘No Claim Bonus’ and is in the form of a discount on your insurance premium. No Claim Bonus reduces your car insurance cost.

What's Covered in a Car Insurance Policy

Third PartyComprehensiveComprehensive
+ Zero Depreciation
Damage to a third-party vehicle
Own Damage
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

What’s not covered in a Car Insurance Policy

Damage when driving under the influence of alcohol or intoxicating drugs

Damage during war and similar conditions

Damage when policy is not active

Regular servicing and expenses due to wear and tear

Damage to tyres, tubes, and engine unless they are damaged due to an accident

Damage when driving without a valid license

Items stolen from your car


Car Insurance terms you would want to know.


These are extra services and coverage you ask voluntarily for your policy. They push up your premium but also add extra coverage. Thus, it is important to choose the best-suited Add-ons for you.


The coverage and services offered vary across different insurance policies.


You pay a small portion of the bill, say Rs 1,000. It’s called a Deductible. You can voluntarily increase this to lower premiums. But, at the time of claim, you will have to pay the increased deductible amount from your pocket.


Insured Declared Value (IDV) is the market value of your car. It lowers over time due to depreciation


Insurers reward you when you do not make a claim. Every consecutive no-claim year gets you a bonus or premium discount called ‘No-Claim Bonus’.


Ensure that your insurer pays you the whole value of your car without deducting any depreciation through a Zero Depreciation cover.

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.