• Gives you peace of mind: Reduces stress knowing that both you and your car are secured against unforeseen events.
• Protects you financially: Covers repair and replacement costs in case of accidents or damages.
• Provides third-party coverage: Safeguards you from financial liabilities that come up from damage or injury caused to another person or property.
• Legal compliance: Third-party insurance is mandatory by law, and having valid insurance saves you from penalties.
• Option to customise: You get to choose from add-ons like Zero Depreciation cover, roadside assistance, and more for enhanced protection.

Third-party Car Insurance

• This is the most basic form of insurance and is legally mandatory in India.
• It covers financial liabilities if your Honda Mobilio causes damage to another person’s vehicle, property, or injury to a third party.
• Example: If your Mobilio accidentally hits another car at a traffic signal and damages its bumper, third-party insurance will cover the repair costs of the other vehicle.

Comprehensive Car Insurance

• This plan offers broader coverage by protecting both third-party liabilities and damages to your own Mobilio.
• It includes protection against accidents, theft, natural calamities, fire, and man-made disasters.
• Example: If your Mobilio gets damaged due to heavy flooding during the monsoon, comprehensive insurance will cover the repair expenses along with safeguarding against any third-party claims.

Inclusions

• Accidental damage-Covers repair costs if your Mobilio is damaged due to a road accident or collision.
• Theft or total loss-If your Mobilio is stolen or declared a total loss after severe damage, the policy compensates you as per the Insured Declared Value (IDV).
• Fire & explosions-Protection against damages caused by fire, explosions, or self-ignition.
• Natural calamities-Coverage for losses due to floods, earthquakes, cyclones, landslides, and other natural disasters.
• Man-made disasters-Protection in cases of riots, vandalism, strikes, or malicious acts.
• Third-party liability-If your Mobilio causes damage to another person’s car, property, or injures a third party, the insurance covers the financial liability.
• Personal Accident cover (Owner-Driver)-Provides compensation for accidental injury, disability, or death of the insured while driving the car.

Exclusions

• Normal wear and tear-Gradual ageing of parts like tyres, brakes, and engine components.
• Mechanical or electrical failures-Repairs for internal breakdowns that are not accident-related.
• Driving without a license-Damages or losses incurred while driving without a valid driving license.
• Driving under the influence-Any accident that occurs while driving under the influence of alcohol or drugs.
• Outside geographical limits-Losses or damages that occur outside India.
• Illegal usage-Using the Mobilio for activities like racing, speed testing, or commercial use if not declared.
• Consequential losses-Damages that occur indirectly due to an incident, for example, driving the car after an accident, and worsening the damage.

• Car’s age and variant
• Location of registration
• Type of coverage chosen (third-party or comprehensive)
• Add-ons selected
• Previous claim history

• Car registration number
• Previous policy details (if applicable)
• KYC documents (in case of first-time insurance)

Step 1: Log in to your ACKO account via app or website.
Step 2: File a claim by providing details of the incident.
Step 3: Upload documents such as photos of the damage.
Step 4: ACKO processes the claim, minor claims may be settled within hours while major claims take longer.
Step 5: Repair assistance at network garages or cashless facilities is available.

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