Comprehensive Car Insurance
Buy Comprehensive Insurance for Car in 2 Minutes ⚡️
Comprehensive car insurance is a policy that covers damages to your own vehicle but also protects you against liabilities arising from third parties. ACKO Comprehensive Car Insurance is trusted by more than 7.3 million customers and covers the vehicle against all risks, including accidents, theft, fire, natural calamities, and third-party liability. The premium starts from ₹2,094 per year, with a 100% digital offering, and savings of up to 85% compared to traditional insurers. With more than 5,000 cashless garages and a paperless process, even simple claims can be paid out within 2 hours, thereby transforming insurance into a fast, low-cost, and completely stress-free service.
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ACKO ComprehensivePolicy Add-onWhat is Not CoveredHow ACKO compares to other Trust FactorsWhy Customers Choose Our Car Insurance ?How to Buy/RenewHow to RaiseHow to Calculate Why Choose Comprehensive Car InsuranceFAQsHere are the key features and coverage details of the ACKO Comprehensive Car Insurance Plan at a glance:
| Feature | Details |
| Starting Premium | ₹2,094 per year |
| Coverage Includes | Accidental Damage, Natural & Man-made Calamities, Fire Damage, Third-party Property Damage, Third-party Injury/Death, Personal Accident Cover, Total Loss/Theft, and Transit Damage |
| Accidental Damage | Covers damages to your car due to accidents |
| Natural & Man-made Calamities | Covers damages due to riots, cyclones, earthquakes, etc. |
| Fire Damage | Covers damages caused by fire accidents |
| Third-party Property Damage | Covers damages caused to another person’s property or vehicle |
| Third-party Injury/Death | Covers injury, disability, or death of a third party |
| Personal Accident Cover | Mandatory cover for owner-driver (needs to be purchased separately) |
| Total Loss/Theft | Covers total loss or theft of the insured car |
| Transit Damage | Covers damages while transporting the car |
| Pricing Advantage | Up to 85% lower premiums compared to traditional insurers |
| Business Model | 100% digital, direct (no agents or commissions) |
| Cashless Garages | 5,000+ garages across India |
Add-ons provide additional coverage beyond your standard car insurance policy. While the add-ons will increase the premium, they will also offer additional financial protection. Here are the add-ons under the Comprehensive Car Insurance policy from ACKO.
This add-on helps you avoid paying for the depreciation costs of your car, considered by an insurer during claim settlements.
The add-on provides coverage for engine, gearbox, and differential damage caused by issues such as water ingress (flooding) or oil leakage.
The add-on allows you to claim the amount as per the invoice value in case of vehicle theft or total loss.
The add-on covers the cost of consumables (engine oil, nuts and bolts, oil filter, etc.)used during the repair of the insured vehicle
The add-on protects your No Claim Bonus even if you raise a claim against your car insurance policy.
The add-on covers the cost of repairing/replacing the keys and lockset if they are damaged or stolen.
The add-on covers any accidental damage or breakdown occurring outside a 100 km radius of your residence.
The add-on provides 24x7 roadside assistance (towing, puncture repair, etc.) in case of vehicle breakdown.
The add-on provides Personal Accident (PA) cover to passengers. It includes injury/disability or death due to an accident.
This add-on cover provides protection for any additional expenses that may incur for extra car protection, such as roadside assistance, key repair, etc., that might typically not be covered in a standard car insurance policy.
This add-on covers electrical accessories like headlights, AC, indicators, and odometers.
This add-on covers expenses for the repair of non-electrical appliances like gearbox, window glass, in case of an unforeseen event.
Listed below are a few exclusions of the Comprehensive Policy. You should also refer to the policy wording to know more about what exactly is not covered under your policy.
| Exclusion Type | Details |
| Drunk Driving | No coverage if the car is driven under the influence of alcohol or drugs |
| Mechanical/Electrical Breakdown | Does not cover internal breakdowns of the vehicle |
| Invalid Licence | No coverage if the driver does not have a valid driving licence |
| Wear and Tear | Normal wear and tear (tyres, clutch plates, etc.) is not covered |
| Negligence | Damages due to careless or negligent driving are not covered |
| Illegal Activities | No coverage for damages due to illegal racing or overspeeding |
Choosing the right comprehensive car insurance is not just about coverage; it is also about how easy, quick, and dependable the experience will be when you really need it most.
| Parameter | ACKO | Traditional Insurers |
| Pricing Model | Direct-to-customer, competitive pricing | Includes intermediary costs |
| Turnaround Time | Faster, tech-enabled processing | Can take longer due to manual workflows |
| Claims Process | Fully online, quick and hassle-free | Multiple steps, may involve manual processes |
| Claim Tracking | Real-time updates via app/web | Limited or delayed visibility |
| Repairs | Cashless repairs with wide network garages | Cashless available but may require coordination |
| Pickup & Drop | Doorstep pickup and drop available | Not always included or standardized |
| Purchase Experience | 100% digital, instant policy issuance | Often involves paperwork or intermediaries |
| Customisation | Flexible add-ons (Zero dep, Engine protect, RSA, NCB protect) | Add-ons available but less seamless to manage |
| Policy Management | Easy self-service via app/web | Often requires support assistance |
| Transparency | Clear, simple communication | Can involve complex terms and unclear steps |
Buying or renewing car insurance online with ACKO is very simple. Just follow a few simple steps, and you will be done with the buying process. Follow these steps to get an ACKO car insurance policy on the go.
Download the ACKO app or go to the top of this page.
Enter your vehicle number and previous policy details (if applicable).
Select the Comprehensive insurance plan and pay the premium online to instantly buy the policy.
At ACKO, the claim process for a car insurance policy is very simple. All the required claim documents can be submitted online, and you just have to follow these steps to raise a claim against Comprehensive car insurance from ACKO.
Download the ACKO app or visit the website to log in to your ACKO account.
Click on “Register a Claim” on your policy card.
Provide the necessary details and, if required, upload the documents to raise a claim.
Calculating the premium of a comprehensive car insurance policy can be done with the following formula:
Own Damage Premium - (NCB + Discounts) + Third-Party Liability Premium + Add-on Premium + GST.
Calculate premiums by:
If you want a simpler way, you may try using ACKO's car insurance premium calculator which will provide you with the premium immediately.
Comprehensive car insurance is preferred over third-party car insurance policies, as it provides full coverage not only for third-party damages but also for your own vehicle from accidents, theft, fire or natural disasters. Here is the comparison of both the policies:
| Aspect | What You Get with Comprehensive Insurance | What You Get with Third-Party Insurance |
| Protection Level | Full protection for your car + damage to others | Only covers damage caused to others |
| Damage to Your Car | Covered (accidents, theft, floods, etc.) | Not covered |
| Cost of Policy | Slightly higher due to wider coverage | Lower since coverage is basic |
| Customisation Options | Flexible - choose add-ons based on your needs | No flexibility - fixed coverage |
| Legal Status | Optional but highly recommended | Mandatory as per Indian law |
| Peace of Mind | High - protects you from most risks | Limited - only meets legal requirements |
Written by
Nikhila PS
Senior Content Editor
Nikhila is a content creator with 6+ years in EdTech and motor insurance, turning complex policies into clear, engaging content. She enjoys exploring digital trends, social media, and art while planning her next short escape.
Reviewed by
Rekhit Singh Kaushal
Senior Director - Motor Underwriting
Rekhit Singh Kaushal is Senior Director at ACKO, a leading digital motor insurance provider in India. With deep expertise in insurance strategy and innovation, he brings trusted insights on car and bike insurance to help drivers stay protected.
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