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Car insurance in Hyderabad

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Car Insurance in Hyderabad

Home / Car Insurance / Hyderabad

Driving on the roads of Hyderabad has its risks. Unfortunate accidents can occur at any moment due to the high-density traffic of this growing city. The expenses resulting from such accidents can amount to a lot. Possessing car insurance can help manage these high costs.

In this article, we will be discussing car insurance in Hyderabad and the advantages of online car insurance. Read on to know more!

Car insurance plans in Hyderabad
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The following are the car insurance plans currently offered by ACKO in Hyderabad.

1. Third-party Insurance
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Third-party car insurance is mandatory for every car owner to buy. It offers financial coverage against injury/death or property damage to a third party caused by an accident. However, it does not cover the accidental damages incurred by the insured vehicle.

2. Own damage (OD) cover
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An OD cover offers financial protection against accidental damages incurred by the insured vehicle. It also covers damages that are a consequence of natural and manmade disasters. Disaster scenarios include floods, cyclones, riots, etc. Theft of the insured vehicle is also compensated under this cover.

3. Comprehensive Plan - Basic
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A Comprehensive Plan - Basic offers the combined benefits of a Third-party Insurance Plan and an OD cover. Since it offers more extensive coverage than the previously discussed plans, we recommended it for your four-wheeler.

4. Comprehensive - Super Saver
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This plan offers the benefits of the previous plan and additionally offers a unique claims experience. For claim-related repairs, ACKO will pick up your car, get it repaired and drop it back at no additional cost. However, if the claim-related repairs are not informed prior to getting the car repaired, you may have to pay Rs. 5000 as a deductible.

5. Zero Depreciation - Basic
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This plan is also popularly known as “Bumper to Bumper”. It includes the benefits of a Comprehensive - Basic Plan and also financially protects against the depreciation cost of vehicle parts. Without a Zero Depreciation - Basic Plan the costs of car parts are only partially covered.

6. Zero Depreciation - Smart Saver
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This plan offers the benefits of a Zero Depreciation - Basic Plan, at a discounted cost. However, if a claim is raised, ACKO will pay for the entire cost, except for Rs. 5000 worth of deductible. So, if you are confident that you are a safe driver, this may be a good option for you.

7. Zero Depreciation - Super Saver
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Under this plan, you can enjoy the benefits of a Comprehensive and Zero Depreciation car insurance plan. Also, for claim-related repairs, pick-up and drop will be provided. However, if prior information is not given for claim related repairs, you may have to pay Rs. 5000 as a deductible.

8. Personal Accident (PA) Cover
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A PA cover is not a car insurance plan. However, it is mandated by law for every car owner to buy one. It offers financial compensation in the case of disability or death to the insured resulting from an accident.

Disclaimer: All the plans listed above are subject to availability.

Benefits of buying car insurance from ACKO
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If you are looking for the best car insurance in Hyderabad you should consider buying ACKO’s car insurance. Here are the reasons why.

Affordable plans
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Since ACKO is a digital insurance company and functions on a direct-to-customer basis, it skips additional operational costs. Operational costs may include middlemen fees and other infrastructural expenses. These savings enable us to offer affordable plans.

Speedy claim settlements
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At ACKO we value your time and thus, settle your car insurance claims with haste. Claims raised for small damages to your car may be settled on the same day itself. However, more intense damages may take longer depending on the severity.

Transportation for claim-related repairs
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In the case of claim-related repairs, ACKO offers free pick-up and delivery of the insured car. This service is offered at no extra cost. However, it is currently available only in select cities.

Frequently asked questions
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The following are some of the common questions raised regarding car insurance in Hyderabad.


Which is the most recommended car insurance policy currently offered by ACKO?

A Comprehensive Car Insurance Plan offers reasonably broad coverage. It offers the benefits of both a Third-party Plan and an Own damage cover. You can also opt for add-ons to extend its coverage. Thus, it is the most recommended basic car insurance plan currently provided by ACKO.

Do I need to visit ACKO’s Hyderabad branch to buy/renew car insurance?

No, you do not need to visit any physical office to buy/renew your car insurance. Since ACKO is a completely digital insurance provider, you can buy/renew car insurance online itself. Also, you can raise claims and operate other functions remotely from your internet-connected smartphone or desktop.

Which is the lowest-priced car insurance available for Hyderabad cars?

The car insurance price in Hyderabad may differ from insurer to insurer. However, usually, the lowest-priced car insurance available for Hyderabad cars is Third-party Car Insurance. However, it does not cover expenses for accidental damages to the insured car. That is why Comprehensive Car Insurance is a better option for cars in Hyderabad.