Comprehensive Car Insurance – Acko Insurance Acko
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Star Rasmit loved the killer prices Acko’s price was almost 50% less than other insurers for Comprehensive car insurance. Surprised!
Facebook Rasmit Kumar Parida
Maruti Swift Owner, Bengaluru
Star Subha loved our seamless claims experience From query to delivery, Acko’s quick turnaround time made sure my experience was completely hassle-free!
Facebook Subha Dip
Nissan Owner, Bengaluru
"Aiming to unbundle insurance"
"Country’s first fully digital insurer"
"Customised products & price differentiation"
"Making insurance straightforward"

Total Convenience

We hate paperwork as much as you do. That's why we help you deal with insurance instantly, at the tap of a button.

What is Third-party Car Insurance?

Third-party Car Insurance covers damages caused to another person, vehicle, property, etc. due to your car. Availing Third-party Car Insurance is compulsory as per The Motor Vehicles Act, 1988.

About Us

Acko is to insurance what the internet is to information and what instant messaging is to communication.
We figured that most people don’t really care for insurance, simply because they don’t understand it. But you don’t really need to. That’s what we are here for.

Acko is here to make buying and using insurance really effortless.
How do we ensure that?

Insurance, say hello to technology.
By adding technology to insurance, we have transformed something that’s time consuming and tedious to something that’s quick and easy. And in the process, we’ve managed to fit something as massive as insurance in your pocket. Acko is digital first, which means that you’ll be as comfortable using it as you are using your own smartphone.

We make insurance effortless by making it affordable and hassle-free because when it comes to finding ways to making your life easier, we leave no stones unturned.

The new age of insurance has finally arrived.
Now we are just waiting for you.

What's Covered?

Death or injury of any third party arising from use of the car.
Property damage of any third party arising from use of the car.
Apart from covering third-party losses and damages to the car, we also provide death and disability cover for the car owner.

What's Not Covered?

If you drive without a valid driving license, or under the influence of alcohol and/or other illegal substances, you will not be covered.
Wear & tear, breakdowns, failures, and deductibles are not covered. Also consequential damages or liabilities that arise due to car accidents will unfortunately not be covered.
Damage to tyres, tubes, and engine is not covered unless they are damaged due to an accident.

How do we make claims stress-free?

One Hour Pick-up*

Call us and we’ll be there in an hour to pick up your damaged car for repairs.

3-Day Doorstep Delivery**

If we don’t repair and deliver your car within three days, we reimburse you with cab vouchers for your daily commute.

Cashless Claims

When we say we are cashless, we really mean we are cashless across ALL garages.

*In Select Cities - Ahmedabad, Bengaluru, Chennai, Delhi, Hyderabad, Kolkata, Mumbai & Pune
**Cab vouchers available in the cities mentioned above. Please refer the Terms & Conditions for more details

How to Claim?

You Register

Register your claim at or call us on 1860 266 2256.

We Pick Up

We’ll pick up your car for repairs in the next 60 mins.*

You Relax

Be stress-free as you track the repair status on our website.

We Deliver

We’ll drop off your car repaired and ready to go in three days.*

*In Select Cities - Ahmedabad, Bengaluru, Chennai, Delhi, Hyderabad, Kolkata, Mumbai & Pune
Please note: Previous Policy document is required in case of claim within 30 days of the Acko Policy Start Date.

In case of minor damages,
we offer instant settlements.

Got a loose bumper, a cracked windscreen or a hanging side mirror? Get your claims settled instantly. You can then choose to go to your preferred garage, as per your convenience.

Frequently Asked Questions
Acko is a licensed non-life insurance company regulated by the IRDAI (Registration number 157). Buying car insurance from Acko helps you save time and money both during purchase as well as in the event of claims. Acko intends to make insurance effortless, affordable and hassle-free. The Acko car insurance product offers you a host of benefits - Zero paperwork during purchase or claim, a hassle-free claims experience with cashless claim settlement and pick up of damaged car within 1 hour and guaranteed end to end TAT of 3 days failing which you will be issued free cab vouchers (applicable in select cities – Ahmedabad, Bengaluru, Chennai, Delhi, Hyderabad, Kolkata, Mumbai & Pune). We also offer low prices exclusively to Amazon customers. Buying insurance from us is seamless and you will receive the policy document instantly in your email account.
Acko has introduced a technology-driven process that makes it very easy for you to complete the purchase online without the help of any third party. Thus, when you buy directly from us, we spend less. We have minimal sales branches too and hence incur lower cost. We pass on these savings to you so you can avail the best insurance at a lower price.
Yes, you can still purchase Acko car Insurance, if the expiry date (of current policy) is less than 60 days from today. The Acko policy will come into effect post the expiry of current policy. If the expiry date of current policy is greater than 60 days from today, you can choose to opt for the "Buy Later" feature on Acko's website that will notify you when your policy is about to expire, and you can purchase Acko car insurance at that time.
Yes, even if you are not an Amazon customer, you can still purchase the policy on our website. However, Amazon customers get exclusive pricing, which you will miss out on. If you are an Amazon customer, you can use your Amazon login credentials and pay using any payment method such as credit cards/ debit cards, net banking or using Amazon Pay balance for a single click experience.
You can raise a claim on our website or contact our call center at 1-860-266-2256. When you raise a claim, you should provide the following information: (1) Your contact number OR the vehicle number (2) Description of the incident and photographs of the vehicle if possible, (3) FIR in case of theft, or loss of any third party. You will also get a periodic status update on your claims.
Yes, we offer the Zero Depreciation Add-on and it is available for purchase. Also, the Consumables Cover is a part of the comprehensive car insurance plan. We are currently working on bringing more add-ons that will be made available soon.
For any assistance, contact Acko at 1-860-266-2256 or send us an email at