Private Car Insurance

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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.