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Private Car Insurance

Home / Motor Insurance / Car Insurance / Private Car Insurance

A private car insurance policy refers to an insurance policy that covers your private four-wheeler. The point to note here is that the vehicle should be for private usage, not commercial usage. Such usage entails utilising the car to commute to work, go on road trips, etc. The policy’s coverage depends upon the chosen cover. 

The private car package policy by ACKO (Comprehensive Cover) offers a hassle-free insurance experience thanks to low-cost plans, cashless claims, instant claim settlement for minor damages, and other such features and services.

Types of private car insurance plans
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Here are the three basic types of private car insurance policies and their coverage details.

1. Third-party Liability Policy
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A Third-party Liability Policy is an insurance policy that covers you against third-party liabilities. It includes coverage for damages (caused by the insured car) to third-party vehicles or property and injuries (including death) to a third party. This policy is mandatory as per The Motor Vehicles Act, 1988.

2. Own Damage Car Insurance
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The Own Damage Cover (OD) offers insurance coverage for damages to your private vehicle caused due to accidents, fire, and manmade or natural calamities. Car theft is also an inclusion. You can also enhance the coverage by adding suitable add-on covers at an additional premium.

3. Comprehensive Car Insurance Policy
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A Comprehensive Car Insurance Policy is an insurance policy that combines the benefit of the Third-party Liability Policy and Own Damage Car Insurance, making it a wide-ranging cover. You can also include suitable add-on covers to strengthen your coverage.

Types of private car insurance policies offered by ACKO
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We offer different types of private car insurance policies to suit your needs. Here are their coverage details and benefits.

1. Third-party Cover
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The Third-party Cover offers you financial protection against third-party liabilities. It is a mandatory car insurance cover, thus you must have at least this type of car insurance cover to drive legally.

2. Own Damage Cover (OD)
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The Third-party Cover does not cover damages to your car. However, such instances are covered under the Own Damage Cover, also known as the OD cover.

3. Comprehensive - Basic
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The Comprehensive - Basic Plan is an ideal car insurance policy that covers damages to your car and third-party liabilities, and gives you the option to buy add-on covers to enhance the overall coverage.

4. Comprehensive - Super Saver
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You enjoy a superior claim experience with this ACKO plan. When you raise a claim, we arrange to pick up and deliver your repaired car at no cost. Just make sure you notify us before any claim-related repairs of your own. If you fail to do so, you have to pay Rs. 5,000 as a deductible.

5. Zero Depreciation - Basic
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The Zero Depreciation - Basic Plan, also known as the Bumper-to-Bumper Policy, includes the benefits of the Comprehensive - Basic Plan and covers the depreciation cost of the car’s parts. You can also include add-on covers to strengthen the plan further.

6. Zero Depreciation - Smart Saver
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The Zero Depreciation - Smart Saver Plan has all the coverage offered by the Zero Depreciation - Basic Plan at a discounted cost. When you submit a claim, ACKO bears the entire repair bill, and you just pay Rs. 5,000 as a deductible (over and above the mandatory charges). It is an ideal plan for those who think the chances of raising a claim are lesser.

7. Zero Depreciation - Super Saver
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Under this ACKO-exclusive car insurance plan, you can enjoy the advantages of Comprehensive - Basic and Zero Depreciation - Basic Plans. It also offers a hassle-free claims experience. When you register a claim, we shall arrange the pick up of your car, get it repaired at our partner garage, and deliver it back at no extra cost. If you fail to notify us before any claim-related repairs, you must pay Rs. 5,000 as a deductible.

8. Personal Accident Cover (PA)
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The PA Cover is not a private car insurance policy; however, it is mandatory to purchase it if you don’t already have one. It insures you against permanent disability and death while driving a car.

How to buy ACKO private car insurance online
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Here’s how you can buy ACKO private car insurance online from our mobile app or website.

Step 1
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Scroll up to the top of this page and enter your car details in the widget. You can also use our mobile app to buy private car insurance from us.

Step 2
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Answer a few questions about your car, location, and claim history, and adjust the Insured Declared Value (IDV) to approximately the current market value of your vehicle.

Step 3
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Choose a plan that suits your needs, pay the premium online, and your car will be insured instantly as per applicable terms.



Inclusions: What does private car insurance cover?

Here are the coverage details of the Comprehensive Car Insurance Policy. For coverage-related details of specific plans, please check the respective policy document.

✅ Accidents: Damages to your car due to accidents.

✅ Third-party liabilities: Damages to another person’s property or vehicle, and injuries or death of a third party involving your car.

✅ Theft: Financial liabilities due to car theft.

✅ Natural calamities: Damages to your car due to calamities such as flooding, earthquakes, etc.

✅ Manmade calamities: Damages to your car due to incidents such as riots, vandalism, etc.

✅ Fire: Damages to your car due to self-ignition, explosion, etc.

Exclusions: What is not covered by a private car insurance policy? 

The following instances are not covered under Comprehensive Car Insurance. For detailed exclusions of a specific plan, please read the respective policy document.

❌ Driving without valid documents: Damages to your car while driving without necessary documents, such as car insurance, driving licence, etc.

❌ Illegal driving: Driving the insured car in an illegal race, using it for criminal activities, etc.

❌ Regular wear and tear: Normal wear and tear of car parts due to regular use.

❌ Electrical or mechanical damages: Damages or defects in the car’s components due to electrical or mechanical issues.

❌ Loss outside geographical area: Car damages occurred outside the specified geographical limits.

Add-on covers under ACKO private car insurance
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Add-ons offer additional insurance coverage/services and can be purchased for an additional premium. Please note that these car add-on covers are subject to availability.

Zero Depreciation Cover
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The Zero Depreciation Cover allows you to negate the depreciation charged on your car and its parts. The add-on cover offers the full value of repairs and replacement during claims, except for deductibles.

Roadside Assistance Cover
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Our Roadside Assistance Add-on cover provides emergency assistance 24/7, including towing services in case of car breakdowns. Just give us a call, and we shall be happy to help you.

Key Replacement Cover
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This add-on covers the cost of replacing your car keys. We also cover the cost of repairing the car’s key and lockset if damaged.

Outstation Emergency Cover
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The add-on provides emergency financial assistance in case your car breaks down or meets with an accident outside a 100km radius of your home. Also, you get beneficial coupons if the repair time exceeds 12 hours.

Engine Protection Cover
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Under this add-on coverage, you get financial protection against the repair cost of the car’s engine and its components. Please read the inclusions and exclusions of your policy for exact details on the Engine Protection Cover.

Consumables Cover
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Usually, consumables required for the repair of car parts are not covered under Comprehensive Insurance. With this add-on cover, we shall cover the cost of consumables during the claim settlement.

No Claim Bonus (NCB) Protection
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The add-on cover keeps the NCB discount intact even if you raise a claim during the policy period. With this add-on cover, you can raise a claim during the policy period and still enjoy up to a 50% NCB discount on car insurance renewals.

Return to Invoice Cover
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The Return to Invoice add-on cover is especially useful in case the damages are beyond repair and if the insured car is stolen. This cover lets you get the total amount as per the car’s invoice value during claim settlement.

Personal Accident Cover for Passengers
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Under this add-on cover, you can insure passengers in your car against injuries or death due to unfortunate accidents. The add-on has a sum insured of Rs. 1 lakh per passenger.

ACKO’s claim process
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Here are the simple steps to raise claims against your private car insurance policy. You can submit your car insurance claims through our mobile app or website.

Step 1: Access your ACKO account with your mobile number.

Step 2: Click “Claims” under your car insurance policy.

Step 3: Answer a few questions about the damages to your car and upload the required claim-related documents.

We shall review your claim and inspect your vehicle (if required). We shall try to settle the claim for minor damages to your car within a few hours. As for severe damages to your vehicle, we may take some more time to settle such claims depending upon the intensity of damage; but be assured that it shall be taken up as quickly as possible as per the applicable terms and conditions.

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Here are a few reasons why we can be your trusted insurer.

Quick (1)

Affordable plans
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We follow a direct-to-customer model. Thus, there are no middlemen commissions. This ultimately results in low car insurance costs.

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Quick policy purchase/renewal
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Whether you want to buy a new car insurance policy or you are on our digital platform for car insurance online renewal, the procedure is simple, easy, and quick due to our digital-first setup.


Instant claim settlements
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Had a minor accident that left your car’s rear view mirror broken? Not to worry, we shall settle such minor instances within a few hours of you raising your claim.

Easy Claims

Insurance discounts
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Buying or renewing your car insurance policy during certain occasions or festivals can lead to special discounts. Watch out for these discounts on our website/app and enjoy low-cost car insurance policies.

24x7x365 customer service

7.7 crore+ customer base
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We have a strong customer base that is growing every day. Such a huge customer base is a testimony to our customer-oriented approach.

Frequently asked questions
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Here are answers to some common questions about private car insurance.


What are the benefits of buying car insurance online?

There are multiple benefits of buying car insurance online. For instance, low-cost plans, zero paperwork, instant purchase facility, etc. For more information, you can read our article about the advantages of buying car insurance online.

What are the types of vehicles that I can insure online?

Both private and commercial vehicles can be insured online. 

What is the difference between business and private car insurance?

The fundamental difference between business and private car insurance is that the former is for commercial/business vehicles while the latter is for private vehicles. Both business and private car insurance policies can provide financial protection against damages to the insured vehicle and third-party liabilities. However, a business or commercial car insurance policy can be slightly expensive. 

Are passengers covered by private car insurance?

No, passengers are not covered under this insurance package. However, you may opt for add-on covers that offer accident covers for passengers.

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.