Acko Car Insurance Claim

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    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 No Claim Bonus

    With a car insurance policy either you make a claim or you do not make it. But, the best part is that the car insurance benefits you in both ways. If you own car insurance and drive safely for a year and make no claims in a policy period, then you become liable to be awarded a No Claim Bonus (NCB). It is a reward which is provided by the insurance company to its policyholders for not raising a claim in a policy year. This benefit is offered in terms of discount while renewing the car insurance policy and accumulates with every consecutive claim-free year from 20% to a maximum of 50%.

    The No Claim Bonus allows you to pay a discounted car insurance premium, which makes the policy more economical. The NCB is associated with the car owner and not the car, hence, you can keep it with you even if you plan to buy a new car after selling your old one or if you port your car insurance policy from one insurer to another. No Claim Bonus is applicable only on the own-damage component of your car insurance policy, which covers the damage done to the insured car. To retain your NCB, you can also choose an NCB Protection Add-on Cover, which protects your bonus even if you make a claim.

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    20052019
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    Must Read Articles before buying Acko Car Insurance

    ACKO Car Insurance User Reviews

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      Read More
      By Akhilesh Yadav
      On: June 17, 2021
    • Good service

      You can have faith on InsuranceDekho's team. It offers good service. Customer care team supported to me to cho...

      P
      By PRADEEP KUMAR SINGH
      On: June 12, 2021
    • Caters to individual requireme...

      I was looking for some add-on covers to enhance the protective shield of my Renault KWID. I landed on Insuranc...

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      J
      By Jyoti Bharadwaj
      On: June 10, 2021
    • Good experience

      Good experience of buying insurance at InsuranceDekho. I am satisfied with my policy benefits and will recomme...

      J
      By John Finney
      On: June 6, 2021
    • Outstanding policies offered

      InsuranceDekho contains the best insurance policies that are IRDAI approved. I generated my quotes and found a...

      Read More
      N
      By Naveen Behl
      On: June 3, 2021
    • Budget-friendly policies

      InsuranceDekho is a popular choice when people look for budget-friendly policies with maximum benefits. My bud...

      Read More
      B
      By Bidisha Roy
      On: May 27, 2021
    • Website accessible on mobile

      I was happy to see that the website of InsuranceDekho is accessible on mobile too. I could find all the inform...

      Read More
      T
      By Tarun Duggar
      On: May 20, 2021
    • Listed partner garages are rel...

      The partner garages listed on InsuranceDekho are reliable. They provide prompt service and sell genuine car pa...

      Read More
      H
      By Hirak Mukherjee
      On: May 4, 2021
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      Read More
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      By Jasmine D’souza
      On: April 29, 2021
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    Insurance Products by Acko General Insurance

    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.

    Why to buy from InsuranceDekho?

    • Instant policy # within 5 mins
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    • Claim Support available all 7 days of the week

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    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.