• Insured Declared Value (IDV): This is the current market value of your car.
• Age of the car: Older cars generally have lower IDV.
• Location: Insurance rates vary depending on the city or region.
• Coverage type: Comprehensive plans cost more than third-party.
• Add-ons chosen: Additional covers increase the premium.

• Paperless convenience: Forget about lengthy forms and stacks of documents. With ACKO, everything happens online, whether it’s buying, renewing, or filing a claim. This means you can manage your policy anytime, anywhere, without unnecessary hassle.
• Swift claim settlements: ACKO is known for its lightning-fast claims process. Minor claims are often resolved within hours, ensuring you don’t have to wait long to get back on the road.
• Pocket-friendly premiums: By cutting out middlemen and agents, ACKO passes on the savings directly to you. Skoda Fabia owners get competitive pricing without compromising on coverage.
• Customised protection: Every driver’s needs are different. With add-ons like Zero Depreciation or Roadside Assistance, you can personalise your policy to suit your lifestyle and driving habits.
• Cashless repair advantage: ACKO’s wide network of partner garages ensures hassle-free, cashless repairs, so you don’t have to worry about upfront costs when your Fabia needs attention.

• Car details like the registration number, make, model, variant, etc.
• Previous insurance policy details (if applicable).
• Personal details such as name, address, and contact number.
   

Step 1: Log in to your ACKO account
Open the ACKO website or mobile app and log in using your registered details. Go to your Skoda Fabia policy from your account dashboard.

Step 2: Initiate the claim
Click on the ‘Claim Now’ option against your active Fabia insurance policy. This will open a short, guided process for claim initiation.

Step 3: Provide incident details
Fill in the essential information about the incident, whether it was an accident, theft, or damage caused by a natural calamity. Keep the description simple and factual.

Step 4: Upload photos/documents
For quicker processing, upload clear photos of the damage. In case of theft, you may need to share a copy of the FIR or other documents as requested.

Step 5: Review & submit the claim
Double-check the details you’ve entered and submit the claim request. ACKO’s system ensures your request reaches the claims team instantly.

Step 6: Claim assessment by ACKO

• Minor claims: If the damage is small, for example, dents, scratches, or broken parts, ACKO usually settles the claim within a few hours, often with instant payment to your bank account.
• Major claims: For bigger damages, ACKO will arrange an inspection and coordinate with its partner garages for a cashless repair experience.

Step 7: Claim settlement
Once the review is complete, ACKO settles the claim digitally. Depending on the claim type, you’ll either receive direct reimbursement or your Fabia will be repaired at a cashless garage with costs settled by ACKO.