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Car insurance in Chennai

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Car Insurance in Chennai

Home / Car Insurance / Chennai

People living in Chennai, Tamil Nadu, can now buy car insurance online without depending on middlemen. At ACKO you can buy or renew car insurance policy or raise a claim against the policy online instantly.

Car insurance plans for Chennai Region
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ACKO has customised different types of car insurance policies for people living in Chennai.

1. Third-party Insurance
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Third-party car insurance is mandatory if you own a car in India. It offers financial support against liabilities incurred by a third-party person or property due to an accident caused by your insured car.

2. Own Damage Cover
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This type of car insurance policy offers financial support if your car gets damaged due to accidents, fire, natural and man-made calamities, and if your car is stolen. For coverage against such liabilities, you must opt for the Own Damage Insurance plan along with the mandatory Third-party Car Insurance.

3. Comprehensive - Basic
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A combination of Third-party Insurance and Own Damage Cover, the Comprehensive - Basic car insurance plan offers financial protection to your car and reduces financial impact.

4. Comprehensive - Super Saver
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Designed by ACKO, the plan offers exclusive benefits and a superior claim experience. When you raise a claim, ACKO will pick up your car, get it repaired at our partner (cashless) garage, and deliver it to you at no extra charge. However, if you don’t let us know before you commence the repairs, you must pay Rs. 5,000 as a deductible.

5. Zero Depreciation - Basic
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Popularly known as ‘Bumper-to-Bumper’ insurance, the Zero Depreciation car insurance covers all the Comprehensive - Basic benefits while also covering depreciation costs. Without this car insurance plan, only some parts, such as plastic and fibre parts, are covered under the car insurance.

6. Zero Depreciation - Smart Saver
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It is a car insurance policy customised by ACKO. It offers all the features of the Zero Depreciation - Basic plan but at a discounted cost. ACKO shall bear all the costs during claims, and you shall pay Rs. 5,000 as a deductible. This is an ideal car insurance plan for those of you who may think that the chances of raising a claim are meagre.

7. Zero Depreciation - Super Saver
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The Zero Depreciation - Super Saver plan is an exclusive car insurance plan offered by ACKO. You get to enjoy the benefits of Comprehensive Cover and Zero Depreciation. You also have preferential claim experience. When you file a car insurance claim, your car shall be picked up, repaired at our cashless garage and delivered back to you at no cost. However, you must pay Rs. 5,000 as a deductible if you do not intimate us before repairs.

8. Personal Accident (PA) Cover
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The PA Cover is not a car insurance policy; however, it is an additional cover to your vehicle insurance and is mandatory as per law. The plan is designed to cover both permanent disability and the policyholder's death while driving the insured car.

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ACKO is a digital-first insurance company, and here are some of the exclusive benefits of buying car insurance from us.

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Affordable plans
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You can buy car insurance directly through our website or mobile application. Since there are no middlemen, there is no commission involved. With zero commission, the savings are passed on to you through low-cost car insurance plans in Chennai.

Easy Claims

Superior claim experience
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Raise your claims through our website or mobile application. We shall pick up your car, get it repaired at our cashless garage, and deliver it back to you. Please note that this facility is available in select cities.

Unique Plans & Discounts

Exclusive plans and discounts
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ACKO has exclusive car insurance plans to cater to different requirements. You can choose a plan that suits your needs the most. And, take advantage of the unique discounts we offer during special occasions and festivals.

Frequently asked questions
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Here are some common queries and answers about car insurance in Chennai.


Which insurance is best for cars in Chennai?

The best or ideal car insurance covers third-party liabilities and should also cover damages or losses incurred by your car. For example, if your car is damaged due to a man-made disaster such as a riot, your car insurance plan should cover such losses. Only the Comprehensive Car Insurance Policy offers such coverage benefits. You can also include car insurance add-on covers to extend the coverage of the standard plan for best results.

How to buy/renew online car insurance in Chennai?

Yes, you can buy car insurance online in Chennai. At ACKO, you get to perform all your car insurance-related transactions online. Transactions include buying, renewing and raising car insurance claims. Since ACKO operates in a digital environment, you can buy car insurance online via our web page or mobile app.

Is Zero Depreciation Cover needed for car insurance in Chennai?

Including the Zero Depreciation Cover to your standard insurance plan increases the coverage for your vehicle. It is an ideal add-on cover that gets ACKO to pay for the depreciation costs of vehicle parts. If you need most of your repair bill to be paid in full, it is recommended that you opt for this add-on at an extra car insurance premium.