Bike insurance starting from Rs.482/year*
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  • 11.5 Lakh+
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*TP price for less than 75cc two-wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply

Acko Own Damage Bike Insurance

219 reviews Rate This
    Network Garages2,000+
    Claim Settlement Ratio83.91% in FY20
    Emergency AssistanceAvailable 24/7
    Customers4.5 Crore+
    Third Party CoverAvailable
    Zero Depreciation CoverAvailable

    Acko General Insurance Company offers basically three different types of two-wheeler insurance plan to their customers, namely, comprehensive bike insurance plan, standalone-own damage bike insurance plan and third party bike insurance plan. It is advisable to buy a standalone own damage insurance plan along with third party bike insurance cover in order to extend the insurance coverage in different scenarios that could possibly happen i.e. from road accidents to natural calamities. Also, during the time of emergency, getting compensation for the damages incurred offers financial assistance and a sense of safety to the customer.

    Standalone Own-Damage Bike Insurance V/S Comprehensive Bike Insurance V/S Third Party Bike Insurance


    Acko Standalone-Own Damage Bike Insurance

    Acko Comprehensive Bike Insurance

    Acko Third Party Bike Insurance

    Coverage Offered

    Under this insurance plan, the policyholder receives coverage just for own damage expenses in case of any accident or mishap. It includes situations of explosions, road accidents, fire, flood, etc.

    Under this insurance plan, the insured vehicle receives all-round safety by looking after both own damage expenses and third party liabilities in case of any unfortunate incident.

    This insurance plan is the most standard insurance coverage offered, which is necessary to hold by a bike owner. Under this insurance cover, third party liabilities are taken care of including death, bodily injuries, and damage caused to the property.


    The Standalone own damage bike insurance plan offered by Acko General Insurance company is more costly as a better insurance coverage is offered here.

    Comprehensive bike insurance plan offered by Acko General Insurance Company is one of the most expensive bike insurance plans offered by them. This is because it provides an all-round protection against both third party liabilities and own damage expenses.

    Third party bike insurance plan offered by Acko General Insurance company is the cheapest insurance plan available. This is because it provides the policyholder with just basic insurance coverage.


    The policyholders are offered various add-on covers to opt for from Acko’s standalone own damage bike insurance plan.

    Here also the customers are offered various types of add-on covers to opt from.

    The policyholders are not offered any add on covers to choose from under this insurance plan.

    What All is Covered Under Acko Standalone Own Damage Insurance Plan?

    The following coverages are offered under Acko Standalone own damage insurance policy:

    • Damages or losses caused to the bike because of explosion or fire.
    • Accidents that happen because of collisions and damage incurred by the insured bike.
    • Complete loss or case of theft.
    • Manmade or natural calamities that cause damage or loss to the insured bike.

    What All is Not Covered Under Acko Standalone Own Damage Insurance Plan?

    The following coverages are not offered under Acko Standalone own damage insurance policy:

    • In case the insured bike breaks down because of mechanical or electrical failure.
    • If because of illegal driving any damages or mishap happens to the insured two-wheeler.
    • In case any mishap happens with the insured bike outside the geographical borders of the nation.

    Benefits Offered Under Acko Standalone Own Damage Bike Insurance Plan

    Some of the benefits offered by Acko Standalone bike insurance plan are as follows:

    • With a standalone own damage insurance cover, the expenses incurred due to the damages caused to your own bike under several scenarios would be taken care of.
    • A no claim bonus will be offered by the insurance provider for each claim free year.
    • There are various add-on covers available that the customers can select from alongside an own damage insurance cover.

    How to Purchase Acko Standalone Own Damage Insurance Plan?

    You can follow the below mentioned steps to buy Acko two-wheeler insurance plan:

    Step 1: Go to the official website of InsuranceDekho and on the homepage of the website choose the ‘two-wheeler insurance’ tab. From the drop down menu that appears proceed ahead by selecting the ‘Standalone Own Damage’ option.

    Step 2: Next, you are required to give the registration number of your two-wheeler bike. In case, you are currently not having any details regarding it, then you can proceed ahead by entering your two-wheelers model, make and registration year instead.

    Step 3: Now, you are required to add your personal information or any other details as required. Once you have entered this information, choose the ‘Submit and Get Quotes’ option.

    Step 4: After you have entered all the needed information, the customized insurance quotes for standalone own damage bike insurance plan would get displayed on the web page. Choose the insurance plan offered by Acko General Insurance Company and choose the add on covers that you would wish to buy along with it.

    Step 5: The final step is to make payment for the chosen Acko standard own damage bike insurance plan and the policy document would get instantly sent to you at your registered email ID.

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    Must Read Articles before buying Acko Bike Insurance

    Acko Bike Insurance User Reviews

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    • Ease in plan comparison

      Before investing my money, I like to go through all the options available. Thus, before putting my money in Ac...

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