Acko Car Insurance Claim

ACKO Car Insurance

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  • 99.61% ACKO scores a massive claim settlement ratio
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  • 24*7 emergency assistance
  • Claims for minor damages are paid out in less than 2 hours
  • Enjoy access to any workshop anywhere in the country. It’s all cashless
  • Towing services are provided at no additional cost for upto 50kms from city limits

ACKO Car Insurance Cashless Claim

Once you have purchased a car insurance policy, you get into a contract with your insurer. The contract contains the regular payment of premiums to get your car covered, while the company promises to compensate you for losses incurred due to unforeseen circumstances.A claim is a formal request made by policyholder to the company, requesting reimbursement for the expenses incurred after an accident.

1) Contact your insurer

Immediately get in touch with insurer if any damage is caused to you, your vehicle, or a third-party due to an accident, fire, theft or calamity. You can raise a claim by visiting Acko’s website or by calling their call center at 1-860-266-2256. Make sure to provide information like vehicle’s number, details of incident etc.

2) Lodging FIR

In case of theft of the vehicle or damage to third-party, file an FIR at the nearest police station. You also need to submit a copy of FIR along with other documents to the company.

3) Explanation of the process

Once you have intimated the claim, the company will explain the claim settlement process and documents required for the same. In selected cities, Acko also provides the facility of picking up your car within 60 mins.

4) Hassle-free claim settlement

After completion of all legal formalities and documentation, claim amount will be paid to you or third-party. In case your car was picked by Acko for repairing, it will be delivered to you within three days (depending on the extent of damage). If Acko fails to deliver your car within three days, it will provide you with free cab vouchers to commute.

How to file car insurance reimbursement claim?

1) Contact your insurer

Immediately get in touch with insurer if any damage is caused to you, your vehicle, or a third-party due to an accident, fire, theft or calamity. You can raise a claim by visiting Acko’s website or by calling their call center at 1-860-266-2256. Make sure to provide information like vehicle’s number, details of incident etc.

2) Lodging FIR

In case of theft of the vehicle or damage to third party, file an FIR at the nearest police station. You also need to submit a copy of FIR along with other documents to the company.

3) Explanation of the process

The company will reach back to you in order to explain the claim settlement process and documents required for the same. In selected cities, Acko also provides the facility of picking up your car within 60 mins.

5) Claim amount reimbursement

You need to pay the entire cost of repairing at the garage and then submit the original bills/receipts to the insurance company. Your insurer then reimburses the amount after subtracting the deductibles.

Documents required for cashless and reimbursement claims

Make sure that the following documents are available with you while filing a claim:

  • Photocopy of the insurance policy
  • Copy of the registration certificate of your car
  • Police report or FIR
  • Copy of your license
  • Original repair bill, cash receipts, etc.

ACKO Car Insurance Claim Rejection Reasons

Incorrect information

Your lodged claim may be rejected by the company if you have provided the wrong information while purchasing the car insurance policy.

Careless driving

You will not be entitled to get the claim if the accident is happened due to your carelessness, which includes rough driving, absence of a valid driving license, driving in the state of intoxication or road-rashing.

Repairing the car without informing the insurer

If you have repaired your car without informing the insurance company about the accident, you will not be entitled to get any claim.

Illegal use

No claim will be initiated if your car is being used for illegal activities.

Expired policy

In the case of non-renewal, your car insurance policy becomes void and this will wipe out the benefits of insurance coverage.

Service Centers

Reach the company’s nearest service centre for claim settlement process or any related queries.

ACKO Car Insurance Claim FAQs

  • How to initiate a claim settlement process?

    You need to intimate insurer after the accident and furnish them with necessary details. After this, you will receive a confirmation about the same. Contact Acko by calling the toll-free number 1-860-266-2256.
  • Cashless claim and Reimbursement claim: Is there a difference in the process?

    There is slight difference in the overall process. In a cashless claim, you need to pay only your part of liability. Whereas in reimbursement claim, you need to pay the entire sum which will be reimbursed later by the company.
  • What should I do if my car is stolen?

    You need to lodge an FIR at the local police station, after which the cops will start tracing your car. If it is not found within a certain time period, a non-traceable certificate will be issued. This allows the insurer to proceed with claim settlement.
  • What amount would I get in case of theft?

    The insurer will pay you the current market value of a car. However, if you have purchased a Invoice Cover add-on, the claim amount will be decided basis car’s purchase value.
  • What if the company fails to repair and deliver my car within three days?

    If Acko anyhow fails to return the repaired car within a stipulated time period, then the policyholder will get free cab vouchers in order to cope-up with the expenses of daily commutation* *Please refer company’s terms & conditions before purchasing your policy.

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