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Car Insurance on ACKO

Save costs, comply with law, and stay hassle-free with ACKO’s online car insurance policy


Stay Safe

Car insurance, also called auto or motor insurance, is a simple and effective way to protect your car from unforeseen risks such as accidents, thefts, fire, natural disasters, or third-party liabilities.


Drive Legal

Having a valid third-party car insurance is mandatory by law when you are driving a car in India. Having good car insurance is a necessity to protect yourself from financial losses that come along with road accidents.


Just Relax

ACKO makes Car Insurance easy. Choice of coverage, add-ons and discounts to save on premiums - get them all on ACKO. During claims, enjoy our door to door pick-up, repairs and drop services.

Types Of Car Insurance Policies on ACKO

Planning to buy a car insurance policy? ACKO provides different types of car insurance policies for your unique needs.

Third Party Cover

Owning third-party car insurance is mandatory while driving a car in India. It protects you against financial liabilities if you damage someone else’s vehicle / property or injure someone in an accident.

Own Damage Cover

Third-party Liability Car Insurance cover will not help if your car gets damaged due to theft, fire, natural disasters, etc. For that, you need to opt for Own Damage policy along with Third Party car insurance policy.

Comprehensive - Basic

Comprehensive Car Insurance Cover not just secures you against third-party liability but also provides cover against damages or losses to your own car due to accidents, theft, flooding, fire and more. It is advisable to have a comprehensive cover to give optimum coverage for your car.

Comprehensive - Super Saver

Exclusive on ACKO. Enjoy Comprehensive Cover benefits and superior claim experience. During claims, ACKO will pick up your car, repair it at one of our partner garages, and deliver back at no extra cost. Only catch: if you fail to inform ACKO before any claim related repairs, you will have to pay Rs. 5000 as a deductible.

Zero Depreciation - Basic

Sometimes called the bumper to bumper plan, includes all the benefits of a Comprehensive - Basic plan while additionally covering depreciation costs of parts. Without Zero Depreciation benefits only partial costs of some parts like fibre & plastic parts are covered.

Zero Depreciation - Smart Saver

Exclusive on ACKO. It has all the benefits Zero Depreciation - Basic at a discounted price. Only catch: During a claim, we pay for everything, you just pay ₹5,000 (above IRDAI/Govt. mandated charges) as a deductible. This gives upfront savings to safe drivers who think chances of them filing a claim are less.

Zero Depreciation - Super Saver

Exclusive on ACKO. Enjoy Comprehensive Cover & Zero Depreciation benefits (read more below) and superior claim experience. During claims, ACKO will pick up your car, repair it at one of our partner garages, and deliver back at no extra cost. Only catch: if you fail to inform ACKO before any claim related repairs, you will have to pay Rs. 5000 as a deductible.

Personal Accident Cover

Personal Accident Cover is not a Car Insurance policy, but an additional cover to your car insurance. It is mandatory by law to own a Personal Accident Cover along with Third Party Insurance Plan. It covers both permanent disability/death while driving a car.

Key Features of ACKO’s Online Car Insurance

Key Features ACKO Advantage
Premium: Car insurance plans starting at Rs. 2,999
Add-ons: 6 add-ons available to enhance your insurance plan
Own Damage Cover: Available under Comprehensive Cover
Damages to Third-Party: Covered
Personal Accident Cover: Available. Cover of Rs. 15 lacs for permanent disability/death while driving
Cashless Repairs: Yes
Claim Settlement Ratio: 97% as per assessment for FY19-20
Emergency Assistance: 24/7
Repairs: 1-hour pickup (for select cities), instant repairs and 3-day doorstep delivery at no extra cost
Buying/Renewal Process: 100% digitally-driven

Add-ons with ACKO Car Insurance Policy

You can customize your car insurance plan with any of these add-ons to protect your car. They offer additional coverage for extra cost over your base policy while buying/renewing the policy.


Zero Depreciation Cover

Due to the wear and tear, car parts value reduces with time. During claims, the insurance company only pays this depreciated value and not the entire value. Best suited for new cars, Zero Depreciation Add-on cover helps you escape depreciation cutbacks and get the full value of car repairs.


Roadside Assistance Cover

Getting stranded on the road with a car that won't start is one of the biggest worries for any driver. With Roadside Assistance add-on you get access to 24x7 emergency roadside assistance, including towing services, during car breakdowns.


Key Replacement Cover

Car keys aren’t cheap and the cost can go upwards of Rs. 10,000.  With Key Replacement Cover, you can save your money on expenses incurred for replacing a lost, stolen, or damaged key and even a replaced lock, if required.


Outstation Emergency Cover

Outstation Emergency Cover secures you against accidents/breakdowns outside a 100 kilometers radius of your residence during the policy period. Also, enjoy a reimbursement of Rs. 2500 if the repair takes more than 12 hrs.


Consumables Cover

The cost of items such as engine oil, gearbox oil, lubricants, nut and bolt, screw, etc are not covered during claims. Consumables Cover add-on protects you from expenses incurred on these items during an accident. The good part is - all ACKO’s plans except Third Party Plan include this coverage at no extra cost.


Engine Protection Cover

Flooding or not using the car for a long time can damage the engine, which is one of the most expensive parts. Car insurance doesn't cover damages to your car engine. However, the Engine Protection add-on cover shields you from losses caused due to damage to your car engine.


No Claim Bonus Protection

When you raise a claim for your car's damages, you lose out on the No Claim Bonus (NCB) discount. NCB Protection add-on cover keeps this discount intact even if you make a claim. With this add-on, you can raise a claim and still enjoy NCB discount of up to 50%.


Return to Invoice Cover

Return to Invoice Cover comes to your rescue in case of theft or damage beyond repair. With Return to Invoice add-on cover, you can claim the complete amount as per the car's invoice value. This amount includes car registration cost and road tax as well.

Top 3 Reasons to Choose ACKO for Car Insurance

We get that you would want to compare Car Insurance policies and get the one that has low price, is easy to use, and provides good coverage. And that's exactly why you should pick ACKO!

Car > Common > Why Acko > Low Premiums

Incredibly Low Premiums

When you buy directly from ACKO, we don't have to pay any commissions to agents. We pass these savings to you by giving low premium rates.

Common > Car > Why Acko > Easy Claims

Super Easy Claims

ACKO provides paperless door-to-door claims. Give us a call - we will pick up your car, get it repaired and deliver it back to you within 3 working days.

Unique Plans & Discounts

Unique Plans & Discounts

ACKO has unique plans tailored to your needs. They are not available anywhere else. We also have personalised discounts for our customers.

What’s Not Covered In Our Car Insurance Policy

No matter which insurance plan you purchase, some costs are not covered when you buy a Car Insurance from ACKO. They are listed below.

Accidental damages while driving under the influence of alcohol or intoxicating drugs

Accidental damages during war or similar conditions

Any claims against an incident when your insurance policy was not active

Cost of repair / replacement of parts that are damaged due to regular wear and tear and not related to any incident like accident, theft, fire, flood, etc

Any claims against an incident where you were driving without a valid license

Any claims related to personal items stolen from your car

Our Customers Love Us

Save time, money, and avoid hassle.

Incredibly quick service. My claim was settled in just 2 days!

Suyash Dixit

Maruti Suzuki Baleno Owner, New Delhi

Acko is the Best in Car Insurance The team is very professional & polite.

Taher Ahmed Sayeed


Incredibly quick service. My claim was settled in just 2 days!

Rahul Gupta


Car Insurance FAQs

Questions you may have for ACKO

Q1. What are the documents required to buy a car insurance policy online through ACKO?

We hate paperwork as much as you do. Hence, you do not need to submit physical documents and can buy a car insurance policy from ACKO at the tap of a button.

Q2. Why should I buy/renew Car Insurance from ACKO?

Top reasons why you should buy/renew your car insurance from ACKO :

  • Low premiums owing to digital process and no commissions involved

  • Exclusive plans that you won’t find anywhere else

  • Great claims service. Claim related repairs managed by ACKO. Doorstep pick-up and drop of your car. 3-day claim settlement turnaround for most claims.

  • We deliver policy instantly. All online with no paperwork involved.

  • We are licensed by IRDAI (Registration number 157)

Q3. Which risks are covered under Comprehensive Car Insurance policy offered by ACKO?

The following risks* are covered under ACKO’s Comprehensive Car Insurance policy:

  • Third-party liabilities

  • Damage due to accident

  • Damage due to fire

  • Damage due to natural calamities

  • Car theft

  • Injuries to the car owner

Note: Please refer to the relevant policy document to look at the complete list of inclusions & exclusions of your policy.

 Q4. How do I raise a claim when I need to? What information should I provide?

You can raise a claim by visiting or by calling us on 1800-266-2256. While raising a claim, you should provide the following information:

  • Your contact number or the vehicle number

  • Policy number

  • Description of the incident and photographs of the vehicle (if possible)

  • First Information Report (FIR) in case of theft, or damage to any third party or their property

You will also get a periodic status update on your claims. Also, the process might vary depending upon the nature of the claim.

Q5. How are prices offered by ACKO on the lower side?

ACKO is truly digital and sells most insurance policies directly to customers like you. This way we don’t have to hire a lot of insurance agents and don’t have to pay any commissions either. We pass these savings to our customers through discounts and offers on premium.

Questions you may have about Car Insurance


Know More about your Policy & Premium


Know More about Claims at ACKO


Know More about Claims


Know More about Policy Purchase & Renewals


Need More Help?

Have queries related to ACKO’s car insurance policies? Refer to Policy Wordings here: for detailed information or reach out to us via Email or Phone using the information below.


You can write to us on [email protected]


You can call us on: 1800 266 2256

How to Buy Car Insurance Online from ACKO?

Share details, customize plans, and make the payment - that effortless it is to buy a car insurance policy. Here are 3 simple steps to buy/renew a car insurance policy from ACKO.

Step 1

Scroll to the top of this page and share details such as car number, car model, and insurance policy.

Step 2

Select from various car insurance plans with exclusive tailor-made quotes for you.

Step 3

Select a suitable plan, make the payment, download the policy, and receive it in your inbox.

Important Terminologies Related To Car Insurance

Refer to the below section, where we aim to simplify commonly used terminologies related to the Comprehensive Car Insurance Policy.



You can strengthen your Comprehensive Car Insurance Cover by purchasing add-ons. Add-ons are additional coverages that offer an extra layer of protection to your car. 

We offer a wide range of add-ons. You may select one or a combination of them based on your requirement. The more the add-ons, the higher will be the premium. 

Note: You can only opt for add-ons with a Comprehensive Policy and not with a basic Third-party Liability Policy. This is because Third Party Insurance does not cover damages to your car.



IDV stands for Insured Declared Value. It is the best estimate of the current market value of your car factoring the age of the vehicle and the natural wear & tear the car would have gone through.

For Own Damage & Comprehensive policies, IDV is important because it is the value you shall receive from us if your car is stolen or is damaged beyond repair. 

While buying or renewing your car insurance with ACKO, you get to select the IDV within a set range. The higher the IDV, the higher is your premium.



You get a No Claim Bonus (NCB) if you don't file a claim during the previous policy period. You can avail this discount while renewing your car insurance policy. NCB increases for each claim-free year up to a maximum of 50%. But if you file a claim, it will get reset to 0%. 

NCB Protection add-on prevents this drop to 0%, in case of a single claim instance during your claim-free streak.


Own Damage

There are numerous ways in which your car can get damaged. It can get damaged due to a fire accident, natural calamities, the engine can get affected due to water-logging, and many more reasons. Repairing a damaged car is an expensive affair, and a Comprehensive Car Insurance Policy can protect you from spending your hard-earned money on car repairs. The Comprehensive Car Insurance Plan covers these damages to your car (own damage) as well as third party damage.


Voluntary Deductible

In the case of Voluntary Deductible, you may choose to contribute a certain fixed amount in case of a claim settlement. In simple terms, it is the part of the claim amount that will not be paid by ACKO. 

Voluntary Deductible is over and above a mandatory nominal amount you have to pay on every claim, also known as Compulsory Deductible.

Going for a Voluntary Deductible can reduce the car insurance premium. But it also means a comparatively lower claim amount from ACKO at the time of claim settlement.


Personal Accident Cover

As per law, it is mandatory to own a Personal Accident Cover along with Third Party Insurance Plan. A Personal Accident Cover of INR 15 lakhs means that if you suffer permanent disability while driving your car, you will be compensated monetarily as per the terms and conditions. It also covers death.

Hence, we recommend you to combine your car insurance policy with personal accident cover. You need not repurchase it if you already own it.



If you happen to injure a person walking on the street while driving your car or if you damage someone’s property/vehicle while driving your car, you are liable to compensate the person for the damage. Third-party car insurance cover insures you against this liability.



While repairing your car, the garage uses items like engine oil, gearbox oil, lubricants, nut and bolt, screw, etc. These are known as Consumables or Consumable Items. While settling a claim, the cost of such items is not covered. Consumable Cover add-on protects you from expenses incurred on these items during an accident.

Inclusions: What’s Covered in a Car Insurance Policy offered by ACKO?

You should know what your are paying for. "Inclusions" are all the features & benefits covered in your policy.

To go through the entire list of inclusions & exclusions of your policy, visit the Policy Wordings page to see ACKO's policy wordings.

The gist of what is included in ACKO’s Third-party Liability Car Insurance Policy is :

Damages to a third party person, property or vehicle

It does not include damages to your own car. For comprehensive coverage, you may consider Comprehensive Car Insurance Policy.

Here’s what is included in ACKO's Comprehensive Car Insurance Policy:

- Damages to a third party person, property or vehicle

- Personal Accident Cover

- Car theft

- Own Damage due to fire, calamities, etc.

- Add-on coverage (as applicable)

Exclusions: What’s Not Covered in a Car Insurance Policy offered by ACKO?

While it is important to know what is covered in your policy, it is equally important to know what isn't covered.

Things that are not covered in your policy are called "exclusions". Exclusions differ depending on the kind of policy you have purchased. However, there are certain permanent exclusions that will never be covered in an ACKO Car insurance policy.

Here are the permanent exclusions:

- Instances not mentioned in the inclusions of the respective policy

- Damage while driving under the influence of alcohol or intoxicating drugs

- Damage during war or similar conditions

- Damage when your policy is not active

- Damage due to regular servicing and wear and tear expenses

- Damage to tyres, tubes, and engine unless damaged in an accident

- Damage when driving without a valid license

- Damage from items stolen from your car

Please check respective Policy Wordings for more details.

Car Insurance Premium Calculator

Calculating premium can be a tedious task. However, you do not have to worry, as we will do this task for you. You have to answer a few basic questions during the purchase journey. And you will come to know the car insurance premium within minutes.

You can simply enter the basic information in the car insurance premium calculator (the widget/tool at the top of this page) to know the premium. 

Read more about Car Insurance Premium Calculator.

Factors Responsible for Determining the Car Insurance Premium

The premium that you pay is determined by a host of factors.


Car’s Engine Capacity

The engine cubic capacity (cc) of your car decides the premium payable on your insurance plan. In simple terms, cc is the volume of the engine’s cylinder. Higher the engine cc, the higher the premium you need to pay.


Insurance Coverage

The wider the cover, the costlier the policy. Premium for Third Party Policy will be lower than a Comprehensive Plan. However, the coverage will be limited. A Comprehensive Plan might seem costlier, but it offers more protection to your car.


Insured Declared Value (IDV)

Your car’s market value (also called IDV) set by the insurer determines your premium. IDV is the maximum claim you will get from the insurer. IDV changes due to wear & tear with time. Higher IDV, the higher the premium and vice-versa.



You can enhance the Comprehensive Plan with the aid of add-ons as they add an extra layer of protection to the policy. We offer various add-ons, and you can choose one or a combination of them depending on your requirement. The more add-ons you add, the higher the premium.


Age of the Car

For a new car, the cost of replacement of the parts/repairs can be higher. Also, the car's value reduces with wear and tear. So the older the car, the lower its value, which reduces the premium amount. 

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


Claims History

If you have higher records of accidents, then the probability of damage is more, which will increase your claims.

Claim's history negatively impacts the premium you have to pay during policy renewal. Claims affect your No Claim Bonus component, and as a result, the premium will be higher.



The Deductible is the amount you will have to pay while settling a claim. The insurance company will bear the rest of the approved amount.

Other than the mandatory nominal amount you have to pay on every claim, you can opt to increase your deductibles. The higher the deductibles, the lower the premium charged.


Other Factors

The insurance companies decide your premium based on other factors such as your location, fuel,  deductibles, security features in your car, etc. 

For example: A few areas may demand more premium due to higher traffic congestion. Also, owning a CNG car may attract more premium due to higher maintenance compared to petrol/diesel cars.

Claims Process with ACKO

Depending on the kind of plan you have purchased, your preference and the severity of claim; there are different claim options available to you.


Managed Claims by ACKO

Just register a claim in a few minutes on ACKO's App or Website, and our team will take care of the rest. One of our team members will pick up the car from your address, get it repaired at our partner garage and deliver the car back to you within 3 working days.


Cashless Claims

Inform ACKO about the claim before taking your car to a garage. Get the repairs done at the garage on your own. We will settle the repair bill with the garage directly to give you a cashless experience for the approved claim amount.


Instant Claim Settlement

For minor damages such as a car’s loose bumper or damaged mirror, ACKO provides Instant Claim Settlement. ACKO will immediately transfer the approved claim amount to your account so you can get the repairs done on your own.


Reimbursement Claims

In case you wish to get your car repaired at a garage of your choice, just inform ACKO first. Our team will arrange for an inspection, and you can carry out the repairs and pay at the garage. You can file for a reimbursement later, and ACKO will deposit the approved settlement amount to your account.

Third Party Policy vs Comprehensive Policy

We have covered in detail how the two policies differ here: Differences between Third-party and Comprehensive Car Insurance.

Below is a quick snapshot of key differences between the two to help you decide which policy provides the right coverage for your car.

Points Third-Party Liability Policy Comprehensive Policy
What does this type of policy cover? It covers injury to third parties and damages to their property/vehicle. Say, if the insured car injures a pedestrian walking on the footpath, this policy will cover the charges for treating those injuries. It does not cover damage to your car or damage/loss due to permanent disability/death. In that case, you may buy a Personal Accident Cover (optional) which insures you against permanent disabilities/death while driving. It covers third-party liabilities, and Own Damage Cover. This means you are covered for the damages/losses to your car due to fire, flooding, theft, etc.To further enhance your insurance plan, it is recommended to also opt for a Personal Accident Cover.
Benefit This cover ensures that you comply with the law and save the penalty of Rs. 2,000. This cover ensures that you comply with the law and save your money on car repairs in events such as an accident, theft, fire, or natural disaster.
Disadvantages The disadvantages of this policy are its limitations. It only offers basic Liability Coverage. It does not cover damages to your car. Because of wider coverage (Third Party Insurance plan plus damages to your car), it is costlier as compared to a Third Party Insurance Plan.
Personalization It is not possible to customize this plan. You can personalize this plan with the help of four primary points: Insured Declared Value (IDV), Voluntary Deductible, Security Devices such as anti-theft devices, and Add-ons.

What Happens If Your Car Insurance Expires?

You should try your best renew your Car Insurance in time, and never let it expire. Here's why:

Driving without valid Insurance is illegal in India and can attract heavy penalties.

You lose out on your No Claim Bonus if you fail to renew the policy within 90 days after your policy expires.

If any incident like accident or theft occurs while your insurance is lapsed, it won't be covered by insurance.

Insurance prices usually see an increase each year. A delay in renewals might cause an increase in premium rates for you.

CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

The use of images and brands are only for the purpose of indication and illustration. ACKO claims no rights on the IP rights of any third parties. The ratings are derived from reviews and feedback received from Google and Facebook users on their respective platforms.

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, conditions and exclusions, please read the policy wordings carefully before concluding a sale.