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​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.

​Acko - 8 Important Add-on Covers For Your Car Insurance Policy

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.

Must Read Articles before buying Acko Car Insurance

Acko Car Insurance User Reviews

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What users are saying
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  • Flood Damage Repair

    My car was damaged due to the floods last month in my state. Fortunately, I had Acko car insurance and it helped me financially to get my car repaired. My claim was approved after a smooth process and my car was repaired at a cashless garage. I have no complaints with the services provided by Acko. Although the condition of my car before repairing was really bad, Acko claim settlement process returned my car in 4 days and it looks brand new now. Thanks to InsuranceDekho for suggesting Acko for their reliable services.

    By Nilutpal Das
    On: July 12, 2024
  • Perfect mobile app

    I recently switched my car insurer to Acko and I have to say that their digital approach is highly convenient for users. The mobile app is filled with so much functions that I don't even feel the need to reach out to customer support. Thanks to InsuranceDekho for completely changing my customer experience by recommending Acko car insurance.

    By Rochisha Girotra
    On: July 1, 2024
  • Smooth Claim Process

    My new car got a dent due to a small accident with a scooter on the streets. Thanks to Acko car insurance my claim process was very smooth and I got my car repaired in a very short time period. InsuranceDekho guided me in regards to selecting a suitable insurer.

    By Umar Waris
    On: June 28, 2024
  • Live Repair updates

    My car was taken to a garage by Acko within an hour of filing a claim. The speed of work was very impressive and the best thing was that I was receiving regular updates on my WhatsApp. Within a few hours my car was delivered, completely washed and sanitised it looked like a new car. Thanks to InsuranceDekho for understanding my requirements and suggesting a perfect insurer for car insurance.

    By Sriram Subramaniam
    On: June 27, 2024
  • Smooth Renewal Process

    It was near the end of the financial year and I was caught up with so much work that I almost forgot to renew my Acko car insurance. Only after renewing I realised how easy it was to renew insurance with Acko with their app. I tied up with Acko after spending time analysing best insurance plans from InsuranceDekho so got to appreciate them for that.

    By Mayank Gupta
    On: June 26, 2024
  • Customer support

    I had many doubts regarding my policy documents and Acko customer support was very helpful. Suresh from the customer support team was very kind and patient. InsuranceDekho helped me pick Acko and I'm more than satisfied with it.

    By Anshika Thakur
    On: June 24, 2024
  • Hassle-free experience

    InsuranceDekho helped me a lot in selecting the best plan. I had never purchased insurance, so I was very picky with my choices and the quotes provided by InsuranceDekho. I chose to go with Acko comprehensive motor insurance and had a smooth and easygoing experience with the process.

    By Faisal Rizvi
    On: June 19, 2024
  • Excellent cashless claim

    My car was damaged by a small accident. I came home and intimated the claim using the mobile app and within 60mins the pick up was arranged. It took a day for them to repair and I could track details of repair on whatsapp. InsuranceDekho helped me make a wise decision.

    By Manjeet Singh
    On: June 17, 2024
  • Great deals

    I realised very late that the premium of my last car insurance was really expensive so i decided to renew my car insurance through InsuranceDekho. They provided all the policies of all mainstream insurance providers and it was very easy to figure out which was the most reasonably priced. I got my car insurance from Acko and their services are worth applauding especially due to the ease of communicating through the app.

    By Aastha Thakur
    On: June 11, 2024
  • Quick claims settlement proces...

    I used InsuranceDekho to compare comprehensive car insurance policies. It gave me some metrics to consider while choosing an insurer. I decided to buy it from Acko and I have not regretted it. The Acko mobile app is very convenient and is a hub of all activities. I made a claim a week ago due to a small accident. Acko customer support was very clear and dedicated to settling my claim ASAP!

    By Daaniyah Khan
    On: June 10, 2024
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