Car insurance in Mumbai

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Car insurance in Mumbai

Home / Car Insurance / Mumbai

Mumbai is an extremely busy city. Thus, the chances of a car accident can be on the higher side. If you are a car owner in Mumbai, you should consider insuring your four-wheeler with a Comprehensive Car Insurance Policy. At ACKO, you can buy or renew a car insurance policy and register a claim against it online without hassles. Read ahead for details.

Car insurance plans in Mumbai

Now, you can purchase or renew car insurance without paperwork or depending on middlemen! You can use ACKO’s digital platforms, such as our website or mobile app, to get your car insured immediately. ACKO has designed different car insurance plans suitable for people living in Mumbai. Have a look.

1. Third-party Insurance

All car owners must insure their vehicle with Third-party Insurance. Its primary objective is to provide you financial protection against losses faced by a third party, including injuries, death or damages to their property due to an accident caused by the insured vehicle.

2. Own Damage (OD) Cover

The OD Cover provides financial protection if your insured car gets damaged caused by accidents, natural/man-made disasters, fire, and if your vehicle gets stolen. For coverage against such damages or losses, it is ideal to opt for the Own Damage Insurance plan apart from the mandatory Third-party Insurance Plan.

3. Comprehensive - Basic

The Comprehensive - Basic plan combines the mandatory Third-party Insurance and the OD Cover. It offers financial protection against third-party liabilities and damages to your insured vehicle. You can purchase it as a 1-year plan or a long-term plan.

4. Comprehensive - Super Saver

Conceived exclusively by ACKO, this plan offers unique benefits and an exceptional claim experience. We shall arrange for the pickup and drop facility when you register a claim. The car is repaired at our partner garage and delivered to you at no cost. However, if you fail to inform us before the commencement of the repair work, you are entitled to pay Rs. 5,000 as a deductible.

5. Zero Depreciation - Basic

The Zero Depreciation - Basic plan provides all the benefits of the Comprehensive - Basic plan along with coverage for depreciation costs. Without this plan, also known as the ‘Bumper-to-Bumper’ car insurance, only some parts, such as fibre and plastic, are covered. For maximum claim settlement, this plan is ideal for your car.

6. Zero Depreciation - Smart Saver

Designed exclusively by ACKO, it provides all the benefits of the Zero Depreciation - Basic plan at a discounted price. We shall pay the repair cost during claims, and you pay Rs. 5,000 as a deductible. If the chances of raising claims against your policy are low, this plan is ideal for you and your vehicle.

7. Zero Depreciation - Super Saver

Customised by ACKO, the plan is designed to cover all the benefits of the Comprehensive - Basic and Zero Depreciation - Basic plans, along with superior claim experience. When you register a car insurance claim, we shall pick up your car, repair it at our network garage and deliver it back to you without any charges. You shall pay Rs. 5,000 as a deductible if you fail to inform us before you commence repairs.

Note: The above section is an overview and is subject to changes. Please check the availability of the plan while purchasing the policy and go through the details mentioned in the respective policy wordings.


ACKO is a new-age digital insurance company, and here are some of the advantages of buying car insurance from us.

Low-cost plans

You can purchase car insurance plans directly through our website or mobile app. With our direct-to-customer approach, there are no middlemen involved. We can design a car insurance plan that is affordable for car owners across Mumbai.

Exceptional claim experience

Registering a claim with ACKO is simple and easy. Give us a call, we shall arrange for the pickup and delivery of the vehicle. The car is repaired at our network garage within three working days, depending on the damage to the vehicle.

Personalised plans and discounts

You can choose from different types of car insurance plans offered by us. We also offer discounts on special occasions and festivals so that you can get the maximum benefit when purchasing car insurance from us.

Frequently asked questions

Here are some common queries and answers about car insurance in Mumbai.

Which type of motor insurance is best for cars in Mumbai?

An ideal vehicle insurance plan for vehicles in Mumbai should cover third-party liabilities/losses and damages to the insured vehicle. For example, if your car is damaged due to flooding, your car insurance should provide financial coverage for such liabilities. For such coverage, the Comprehensive Car Insurance Plan is ideal. You can also enhance the coverage by including suitable car insurance add-ons.

How to buy or renew online car insurance in Mumbai?

You can renew or buy car insurance online in Mumbai easily via ACKO’s website or mobile app.

Is car insurance mandatory in Maharashtra?

Insuring your car with the Third-party Car Insurance Policy is compulsory in Maharashtra and India. The policy covers you against the legal consequences of an accident caused by your insured vehicle. For example, if your car accidentally damages a third-party’s car, the Third-party Liability (TP) Plan will cover related third-party liabilities.

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ACKO General Insurance Limited

2nd Floor, #36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102

Download our ACKO app now!

CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

The use of images and brands are only for the purpose of indication and illustration. ACKO claims no rights on the IP rights of any third parties. The ratings are derived from reviews and feedback received from Google and Facebook users on their respective platforms. | *Savings of upto Rs. 50,000 have been calculated on the IDV of Rs. 18,00,000 and 0% NCB. Amount saved is in comparison to tariff rates. Product name: Private Car Policy - Bundled | UIN: IRDAN157RP0014V01201819 |

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