• Financial Protection from accident damage, theft, fire, and natural calamities.
• Third-party Liability Coverage, as per The Motor Vehicles Act, 1988, safeguards against legal claims for third-party injuries or property damage.
• Cashless Repairs at 4000+ network garages across India for minimal downtime.
• Quick Claims with digital submission, instant tracking, and fast settlements (ACKO’s claim settlement ratio FY 2023–24: 99.10%).
• Add-on options, such as Zero Depreciation, Roadside Assistance, and Consumables, provide enhanced protection.
• No Claim Bonus (NCB) discounts for claim-free years, reducing renewal costs by up to 50%.
• 24/7 Support and digital access for all policy services.

Here is what is included in your ACKO comprehensive car insurance policy:

• Covers accidental damage to the insured Maruti Tour vehicle.
• Protection against theft or total loss caused by fire, flood, earthquake, or other natural calamities.
• Includes third-party liability for death, bodily injury, or property damage.
• Offers mandatory Personal Accident Cover for the owner-driver.
• Extends coverage for damages from vandalism, self-ignition, or incidents like rat bites.

Following is the list of exclusions in your ACKO comprehensive car insurance policy:

• No coverage for pre-existing damage before purchasing or renewing the policy.
• Regular wear and tear, as well as mechanical or electrical breakdowns, are excluded.
• Claims are not entertained if driving under the influence of alcohol/drugs or without a valid driver’s licence.
• Losses or damages arising from illegal activities or participation in races are excluded.
• Incidents occurring outside India's geographical limits are not covered.

• Zero Depreciation Cover : Get a complete claim for replaced parts, with no depreciation deduction.
• Roadside Assistance : 24x7 help for breakdowns, towing, minor repairs, fuel delivery, and emergencies.
• Consumables Cover : Covers costs for oils, lubricants, nuts, bolts, and items not usually covered.
• Engine Protection : Covers engine damage due to water ingression or leakage.
• Tyre Protect Cover : Protection for accidental damage and replacement of tyres.
• Personal Accident Cover for Passengers/Drivers : Coverage for paid drivers and passengers in case of accident.

Step 1: Log in to the ACKO account; select the policy and click “Register a Claim”.
Step 2 : Enter claim details and upload soft copies of the RC, driving licence, and bill/FIR (if required).
Step 3 : ACKO processes and guides through inspection, pickups, and repair initiation (where applicable).
Step 4 : Cashless facility: ACKO pays the garage directly; you pay only excess and uncovered charges.
Step 5 : Track the status online; most claims are settled within 3 working days (instantly for minor claims).
Step 6 : Download claim settlement or reimbursement reports from the portal.