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How to Renew Car Insurance During Coronavirus Lockdown?

Team AckoJan 17, 2024

Restrictions such as lockdowns and curfews are implemented across the country amidst the second wave of the coronavirus pandemic. The restrictions have upended the usage of cars. If your car insurance is due for renewal, you may be thinking about how to renew car insurance during coronavirus lockdown? This article will answer your question. Let’s also discuss why you need to renew the motor insurance even in these difficult times.




Renewing Car Insurance During COVID-19 Lockdown?

The coronavirus pandemic has resulted in a host of restrictions across the country. Lockdowns and curfews have impacted our everyday life in one way or another. One of the most significant impacts of these developments is the acceleration of digitisation in the insurance industry. 

In current times, buying car insurance online is no more a choice; it’s the need of the hour. Digital-first insurers such as ACKO were offering online policies even before COVID times, but now online insurance has become a new norm given the circumstances.

So, coming to the heart of the matter, how do you renew car insurance amidst a pandemic? The answer to this question is, renewing the policy online from the comfort of your home. It’s an effortless task, especially if you choose to renew your car insurance online from ACKO. For online policy renewal, all you need is a computer/smartphone with internet connectivity. Then, you can visit the insurer’s website or download the mobile app to renew the policy online.

How to Renew Car Insurance Online at ACKO?

As mentioned earlier, the car insurance renewal process at ACKO is hassle-free and straightforward. Here are the steps to renew your four-wheeler insurance at ACKO.

  • Step 1 - Log on to the ACKO website ( or download the mobile application.

  • Step 2 - Type in your car (make/model, year of purchase) and previous insurance policy details.

  • Step 3 - Choose your car insurance plan, preferred Insured Declared Value and car insurance add-ons.

  • Step 4 - Pay online via Netbanking, Credit/Debit card, UPI or through digital wallets.

Note: Existing customers can sign in to their ACKO profile and select the renewal option on the Policy Card. 

As soon as you complete the purchase, ACKO will instantly send the policy document to your email address.

Also, read: Contactless car insurance

Why Should You Renew Car Insurance During Coronavirus Lockdown?

It doesn’t matter whether you drive your car daily or drive it once a month/year; car insurance is necessary. Coming to the current lockdown scenario, you may still take your vehicle out to avail essential services or go to a hospital in case of a medical emergency. If you are caught driving without an active motor insurance plan, you may end up paying a hefty penalty.

Here are some of the reasons why you should renew your car insurance despite the lockdown/curfew restrictions.

  • Third-party Liability Insurance is Mandatory: Whether it's lockdown or not, a Third-party Car Insurance Policy is compulsory. As per The Motor Vehicles Act, 1988, every car needs to have at least a Third-party Liability cover. If you are found guilty of driving without a third-party policy, you may be penalised. Repeating such an offence may even attract hefty penalties.

  • Parked Car can Get Damaged/Stolen: You may park your car in the basement or on the side of the road. But that doesn’t mean that your vehicle is protected against any unforeseen situations. For example, the vehicle can get damaged due to fire/explosion or natural/man-made calamities. Worst case scenario, your car can get stolen. With an active Comprehensive Car Insurance Plan, you need not bear the financial losses incurred due to such situations.

  • Avoid High Renewal Premium: You may be under the impression that you need not renew the motor insurance since you don’t use the car regularly. But by doing so, you may end up paying a higher premium when you decide to renew the policy. That’s because your policy will expire if you do not renew it within the due date, and if you do not renew the policy within 90 days of expiry, you will also lose the NCB (No Claim Bonus) discount benefit.

  • No Pre-Inspection: Typically, there is no need for a pre-inspection when you renew the car insurance within the due date. But if you are renewing expired auto insurance, it’s like buying a new insurance plan (if the policy has expired for too long). Hence, the insurer may inspect your vehicle before issuing the policy. You can avoid such hassles by renewing the policy before the expiry date, even during the lockdown.

Also, read: Break-in Period in Car Insurance


We all know that these are challenging times given the circumstances across the country. The pandemic has transformed our lives with new restrictions such as lockdowns, curfews, social distancing, etc. But it doesn’t mean that you ignore the needs of your car, such as car insurance.

By not renewing the car insurance policy, you may be at the risk of a significant financial loss if your car is damaged. Lockdown or no lockdown, renewing car insurance is a must, and the best and safest way to do it is to opt for online car insurance. You can renew four-wheeler insurance online from the comfort of your home while keeping yourself safe from the Covid-19 virus. Lastly, do not venture out unless necessary; wear a mask and stay safe.

Frequently Asked Questions

Here are some of the most frequently asked questions related to car insurance renewal.



Can I renew car insurance online at ACKO if my previous policy is from a different insurer?

Yes, you can renew the policy at ACKO even if the previous insurance plan is from a different insurance provider. All you need to do is enter your car and previous policy details on the ACKO website/app to renew the policy.

Do I need to upload any documents to renew motor insurance at ACKO?

There is no need for documentation while renewing motor insurance from ACKO. You only need to enter the details of your vehicle and previous policy to renew the insurance plan.

Is there any pre-inspection while renewing car insurance from ACKO?

Typically, there is no pre-inspection if you are renewing the policy within the due date. But if the previous policy has expired for too long, ACKO may inspect your car before issuing the new policy.

How can I get a copy of the renewed policy document?

Once you complete the renewal process on the ACKO website/app, ACKO will instantly send the policy document to your email address. Alternatively, you can also download the policy document by accessing your ACKO profile.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet; and is subject to changes. Please go through the applicable policy wordings for updated ACKO-centric content and before making any insurance-related decisions.


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