Car insurance in Mumbai

Coverage for vehicle damage due to accidents

Any damage to the vehicle due to fire outbreaks or natural disasters

Third-party liability coverage

If the insured vehicle is lost or stolen

Personal accident injury 

Damage caused intentionally or due to involvement in illegal activities

Wear and tear, mechanical breakdown, or regular maintenance costs

Damage to personal belongings inside the vehicle

Using the vehicle for commercial purposes

Driving under the influence of alcohol or drugs

Overspeeding the vehicle

Driving a vehicle outside the geographical location mentioned in the policy document

Roadside Assistance Cover: The Roadside Assistance Cover assists in case you get stranded in the middle of the road and need assistance.

No Claim Bonus Protector: The No Claim Bonus Protector or NCB protects your accumulated No Claim Bonus even after you have raised a claim in a given year. With NCB in your policy, you can get a discount of up to 50% on premium amounts.

Consumables Cover: A car insurance policy typically does not cover consumables like lubricants, nuts and bolts, gearbox oil, etc. However, with this cover, you can get protection even for consumables.

Engine Protection Cover: The Engine Protection Cover protects you financially in case the car’s engine gets damaged in an accident.

Zero Depreciation Cover: With zero dep insurance add-on, you can get the complete claim amount, irrespective of the depreciation costs.

Return to Invoice Cover: The Return to Invoice or RTI covers pays the complete amount based on the original invoice at the time of claim settlement. 

Type of Vehicle:The vehicle type affects the car insurance premium in Mumbai. Sedan cars have higher premiums as compared to other vehicle type. 

Type of Insurance Coverage: Based on your requirement, you can avail different types of insurance coverage. For instance, if you are buying Comprehensive coverage, the premium will be higher.  

Driving Record:  If the policyholder has a history of accidents, traffic violations, or claims in Mumbai, the premium amount can be higher. So, maintain a clean driving record and save on car insurance premium. 

Geographical Location: Premiums may be higher in areas with higher traffic density, crime rates, or severe weather conditions.

Deductibles: Deductibles refers to the amount that the policyholder agrees to pay from their own pocket during the time of claim settlement. Higher deductibles typically result in lower premiums. So, while buying car insurance in Mumbai, you can customise the deductibles accordingly.

Anti-theft Devices: The installation of anti-theft devices helps policyholders get discounts on the premium amount. This is because it reduces the insurer’s liability in settling claims. 

Go to the top of this page

Enter the vehicle registration number and click on ‘Check Prices’

Provide the vehicle related details

A list of car insurance plans will be visible

Select a suitable car insurance policy along with the necessary add-ons

Enter the personal details like your mobile number, pincode, email address, etc and make the premium payment, after which you will receive the policy details

Go to the car insurance option on the ACKO app or website

Login with your mobile number

Your car insurance policy will be visible, then click on ‘register claim’

Next, enter the necessary documents like FIR, claim form, etc, and successfully register the claim

Driving license of the policyholder

Registration certificate of car

FIR (if required)

Identification proof of the policyholder

Original repair bills in case of reimbursement claim

Premium payment receipt

Go to the car insurance option on the website

Login with your mobile number

Click on the ‘policy document’ and select ‘download’ option

Then, download the policy document and save it for future reference