Minus/plus icon
ResourcesExplore the full ACKO experience and make the most of your plan

Car insurance in Delhi

Insure your car in minutes, without tedious paperwork

Car insurance starting ₹2,094*

Car number

Looking to insure brand new car?

Zero commissions, big savings

Car insurance in Delhi

Delhi, the capital of India, is the hub of Indian politics and a popular tourist spot. Not surprisingly, it is one of the densely populated cities in the country. Owing to that, road accidents can be quite frequent. That is why possessing wide-ranging car insurance in Delhi is important.

Car insurance plans in Delhi
Jump Tag Icon

If you are looking to buy vehicle insurance in Delhi, you can choose from the following options offered by ACKO.

Third-party Cover
Jump Tag Icon

We provide Government-mandated Third Party Car Insurance. It offers monetary compensation to a third-party in case of accidental disability, death or damage of property caused by your car.

Own Damage Cover
Jump Tag Icon

Own Damage Cover offers financial protection to you against car damage due to accidents, natural and man-made calamities, fire, etc. Apart from these it also covers vehicle theft.

Comprehensive - Basic
Jump Tag Icon

A Comprehensive - Basic plan offers the combined coverages of a Third-party and Own Damage Cover. So, under this plan, you are covered against accidental damages to your vehicle, car theft, and third-party liabilities.

Comprehensive - Super Saver
Jump Tag Icon

Apart from the coverage of a Comprehensive - Basic Plan, this plan additionally offers free pick and drop of your car in case of repairs. These repairs will be done in one of our network garages. The only catch is you will have to pay Rs. 5,000 as a deductible if you get a claim-related repair done without informing us.

Zero Depreciation - Basic
Jump Tag Icon

Sometimes referred to as “bumper to bumper car plan”, this plan offers all the coverages of a Comprehensive - Basic Plan. Additionally, it also offers financial protection against depreciation costs of car parts. Without this plan, only the partial costs of fibre and plastic car parts are usually covered.

Zero Depreciation - Smart Saver
Jump Tag Icon

As its name suggests, this plan offers all the benefits of a Zero Depreciation Car Insurance at a lower price. However, if you raise a claim, we will bear all the expenses beyond a Rs. 5,000 deductible from your end. So, if you are confident you are a safe driver and are unlikely to raise any claims, this is a good option for you.

Zero Depreciation Super Saver
Jump Tag Icon

This plan offers the combined benefits of a Comprehensive - Basic and a Zero Depreciation Plan. You can also avail free pick up and drop for repairs. Nonetheless, if we are not informed before getting a claim-related damage repaired, you will have to pay a deductible worth Rs. 5,000 from your end.

Personal Accident Cover
Jump Tag Icon

This is not a motor insurance plan, nonetheless is a mandatory requirement to legally drive four-wheelers in India. It provides financial support to the owner/driver in the unfortunate event of bodily disability or death caused by a vehicle accident.

Note: The details mentioned above are subject to availability and changes. Please read the respective policy wordings carefully before making any insurance-related decisions.

How to buy car insurance in Delhi
Jump Tag Icon

Buying ACKO car insurance is easy in Delhi. You don’t have to visit any office to buy the policy; you can do it online from the comfort of your home. Just follow the below-listed steps.

Step 1: Visit ACKO’s website or mobile app and enter your car’s details.

Step 2: Based on your requirements, select from a host of ACKO car insurance plans.

Step 3: Once a suitable car insurance plan is selected, pay for it online. Then, you will instantly receive its respective policy document via email.

Benefits of buying car insurance from ACKO
Jump Tag Icon

Here are the reasons why ACKO car insurance is ideal for your car.

Low Premiums

Affordable plans
Jump Tag Icon

ACKO is a digital-first insurance provider. This enables us to negate middlemen and save operational costs. These saved costs help us keep car insurance premiums on the lower side.

Quick and easy image

Rapid claims
Jump Tag Icon

If you raise a claim for an accident-related repair, we will attend to it as soon as possible. We will come to your location, pick up your car and take it to one of our network garages. And once the repair work is completed, we will deliver it back to you.


Exclusive plans
Jump Tag Icon

At ACKO we offer certain tailor-made car insurance plans that are exclusive to ACKO. So, according to your insurance requirements and budget, you can choose a suitable plan and stay insured.

How to file a claim with ACKO
Jump Tag Icon

Claiming car insurance has never been easier. Just follow the below-mentioned simple steps to claim ACKO car insurance.

Step 1: Visit ACKO’s official website or mobile app and login to your account.

Step 2: Locate your policy card and click on “Claim Now”.

Step 3: Respond to a few questions relating to the accident and share relevant pictures. Then, click on “Submit”.

Once your claim has been lodged, our claims team will process it as soon as possible. Note that the claim will be settled as per the policy wordings.

Need for car insurance in Delhi
Jump Tag Icon

As per a report released by the Ministry of Road Transport and Highways (MORTH), Delhi recorded the highest number of accidents in India between the years 2016-20. This makes buying car insurance of utmost importance if you are in Delhi!

Difficulties faced by car users in Delhi
Jump Tag Icon

The following are some of the common difficulties faced by car owners in Delhi.

How ACKO car insurance can financially protect your car in Delhi
Jump Tag Icon

Here’s how ACKO car insurance can financially protect your car in Delhi.

Frequently asked questions
Jump Tag Icon

Here are the answers to some of the commonly raised questions regarding car insurance in Delhi.

Can I drive without vehicle insurance in Delhi?


No, you cannot drive legally in Delhi without obtaining car insurance. The reason is, as per the Motor Vehicles Act of 1988, it is a legal necessity to carry 3rd party Car Insurance while driving in India.

What is the Third Party Car Insurance Price in Delhi?


The price of Third Party Car Insurance is proportional to the engine capacity of a car. You can use our Car Insurance Premium Calculator to get a free quote.

Which is the best car insurance policy in Delhi?


Comprehensive Car Insurance (or one of its variants) is the most ideal policy for your car. The reason is it offers coverage for both expenses towards third-party liabilities and Own Damages. So, you can enjoy holistic insurance coverage.

Is Delhi car insurance different from other cities?


The basic ACKO car plans, namely, Third-party Car Insurance and Comprehensive Car Insurance are usually available in all major cities. However, some of the other ACKO-specific plans may be subject to availability based on the city you are in. Pricing may also vary slightly from location to location.

How to renew car insurance online in Delhi?


You can opt for online car insurance renewal in Delhi via ACKO’s website/app. Just enter your vehicle and previous policy details. Then, select a plan and pay for the same online. That’s it! You will be emailed your new policy document immediately.