Acko Car Insurance Add-On Covers

Acko General Insurance provides useful add-on coverages with its car insurance plan. Car insurance add-ons are extra coverages which help you extend the coverage which comes by default with your plan. These car insurance add-ons can be opted with Acko Comprehensive Car Insurance Plan and with Acko Standalone Own-Damage Car Insurance Plan.

1. Consumables Cover

This Add-on insures you against the expenses incurred on consumable items in the event of any claim relating to an accident during the policy period. Consumable items include engine oil, gear box oil, lubricants, nut and bolt, screw, distilled water, grease, oil filter, bearing, washers, clip, break oil, air conditioner gas and items of similar nature excluding fuel consumed during repair of your car.

2. NCB Protect

This Add-on entitles you to the current No Claim Bonus at the time of renewal even in the event of a claim being made during the policy period excluding claims made for damage to windshield, sun roof, and door glasses, partial theft of accessories/parts, theft of the car and total loss of the car.

3. Outstation Emergency Cover

if you opt for this cover then, if your car becomes immobilized due to a breakdown/accident outside a 100 kilometers radius of your place of residence during the policy period, the insurer will reimburse you for the expenses subject to the terms and conditions of the policy.

4. Road Side Assistance Cover

Under this add-on cover, the insurer promises to provide the following emergency assistance service:

Flat Tyre: If your car becomes immobilized due to a flat tyre, the insurer will send a technician to replace the flat tyre with the spare tyre of your car at the location of breakdown. If a spare tyre is not available, the insurer will arrange to take the flat tyre to the nearest place of repair and re-attaching it to your car.

Battery Jumpstart: If your car’s battery runs down, the insurer will send a technician to jump start your car at the place of breakdown.

On-spot Repair: In case your car becomes immobilized due to a minor mechanical/electrical fault where immediate repair on the spot is possible, the insurer will send a technician to the place of the breakdown to carry out the repairs.

Spare Key Retrieval: If your car keys get lost, misplaced or if you get locked inside your car, the insurer would arrange for pick-up and delivery of the spare keys from your place of residence or work to the place where your car is located if it is within 100 kilometers. The insurer will also provide the service of unlocking your car with the help of technicians at such location for retrieval of the key locked inside your car.

Fuel Support: The insurer will arrange for supply of up to 5 liters of fuel if your car becomes immobilized due to fuel shortage.

Emergency Towing: If your car gets immobilized due to a mechanical/electrical fault which cannot be repaired on the spot, the insurer would provide appropriate towing services till the nearest garage

Legal Advice: If your car meets an accident or any other mishap and you require legal help, then the insurer will arrange telephonic assistance from an appropriate legal advisor for upto 30 minutes.

Emptying of Fuel Tank: If you car gets filled with the wrong fuel, the insurer will come to your rescue and help you with the emptying of the fuel tank of your car.

5. License/RC Cover

If you lose your government issued driving license or registration certificate the insurer will reimburse you the expense incurred in re-obtaining it. A First Information Report (FIR) filed with the police of the lost license/RC is required to avail the benefit under this add-on.

6. Engine Protect

By default, no car insurance policy insures you against the damage of your car’s engine and gearbox. However, if you opt for this cover, the insurer will reimburse you the expenses incurred on repair/replacement of the internal parts of the engine, gear box and differential assembly due water ingression, hydrostatic lock, or leakage of coolant/lubricating oil of the car.

7. Key Protect

Under this add-on, the insurer takes the responsibility to reimburse you the cost incurred towards replacing your car key if the key is lost, stolen or damaged. This add-on also insures you against repairing the lock-set, if the lock-set is damaged.

8. Personal Belongings Cover

If your car meets an accident or mishap, the insurer will reimburse you the expense incurred towards repair or replacement of the personal belongings which were kept inside your car at the time of mishap.