Car insurance starting from Rs. 2072/year*
  • Save upto 75%*
    Lowest Car Premiums
  • 11.5 Lakh+
    Happy Customers
  • Claim Support
    7 days a week

*TP price for less than 1000cc four wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply

Acko Car Insurance FAQs

236 reviews Rate This
    Claim Settlement Ratio83.91%
    SupportMon - Sat
    Zero DepreciationAvailable
    Emergency Assistance24/7
    Third Party CoverAvailable


    • How does Acko quote lower prices than other insurance companies?

      ACKO has revolutionized the concept of car insurance by using a digital-only model. In this way, you can purchase insurance plans online without involving any third party medium. The company also has a significantly low count of sales branches. In a nutshell, Acko incurs very less expenses. The savings are passed on to customers like you, pitching lowest of premiums for the best of insurance plans.

    • I am not an amazon customer, can I still choose to go with ACKO car insurance?

      Yes absolutely! You can buy an ACKO car insurance policy even if you are not an Amazon customer.

    • What benefits do I get on choosing ACKO car insurance being an Amazon customer?

      If you are an Amazon customer, you are entitled to an exclusive pricing. Simply use your Amazon login credentials and pay for your ACKO policy using credit cards, debit cards, net-banking or amazon pay balance and enjoy your brownie points.

    • Why should I purchase motor insurance from ACKO?

      Acko is a licensed non-life general insurance company, fairly new in business. However, the company has managed to establish a strong foothold in the industry with its innovative digital business model. The company stands for affordable, effortless and hassle-free policy procedures. From purchasing policy to renewing and settling claims, ACKO guarantees seamless customer experience.

    • Will I have access to zero depreciation benefits and other essential add-ons on choosing ACKO?

      Yes! You will certainly enjoy the benefits of zero depreciation and other add-ons by opting for an ACKO car insurance policy. It is worth informing that more add-ons and riders will be introduced soon.

    • How do I raise a claim with an ACKO car policy in hand?

      Registering a claim with ACKO is easier done than thought. Visit and register your claim or gives a call on their toll-free number 1860 266 2256. The rest will be taken care of in a spry.

    • What information should I give in when registering a claim with ACKO?

      Post registration, you can spill information like your vehicle registration number, contact number, photograph and description of the incident and copy of FIR in case of theft and total loss. You will be updated with the status of your claim periodically.

    • How do I contact ACKO in case of other queries?

      You can always call ACKO on 1860 266 2256 or drop a mail at

    • Should I choose ACKO for my car insurance renewal?

      ACKO is all geared to revolutionize the Indian insurance markets. You must renew your car insurance policy with ACKO. Here’s how you will befit:

      • Quite a few products to pick from.
      • A quick and seamless process of renewal.
      • Prices quoted are lower than you can imagine.

    • How is the claim-settlement ration of ACKO?

      ACKO makes it to the top of the charts with an incredible claim settlement ratio of 95.5%. You can certainly trust this brand.


    • 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.

    Zero Depreciation

    • Is Acko Zero Dep car insurance policy expensive than a standard car insurance policy?

      Yes. Zero Dep insurance is actually an add-on cover over the standard insurance policy. Owing to its extended coverage, it also comes with an extra premium over standard premium amount.

    • Can I use Zero Dep cover unlimited times?

      No, there is a maximum limit of its usage. After using it for a certain number of times, you will need to pay depreciation amount yourself from the very next claim. However, unlimited claims are allowed under the Benefit Zero Depreciation (a special Zero Dep Cover).

    • My car is 7 years old, can I purchase a Zero Dep cover?

      No. Zero Dep cover is only available for cars upto 5 years. Obviously, this isn’t the case only with Acko but with majority of other general insurance companies.

    • Is there any difference in claim filing process for a car having Zero Dep cover?

      No, there is no difference in claim filing process for a car with Zero Dep cover. The only difference is in the claim amount.

    • How can I calculate depreciation?

      Calculating depreciation is easy if you know the depreciation rate. Just calculate total depreciation value according to your car’s age and deduct it from the actual price of the car. As per Acko’s website, depreciation rates are as below:

      • Rubber, nylon, plastic parts, Tyres and tubes, Batteries and air bags: 50%
      • Fibre glass components: 30%
      • All parts made of glass: Nil
      • Material cost of the paint in case of a paint job: 50%


    • What additional benefits does a comprehensive policy offer over third-party coverage?

      Apart from coverage against expenses of third-party liabilities, a comprehensive car insurance policy also covers repair cost of insured’s vehicle and injury/death of the policyholder.

    • Do I need to tow/drive my damaged car to the garage after an accident?

      Fortunately, you don’t need to do so. Just inform the company about the accident and location, a towing van will be arranged within 60 minutes of intimation.

    • What are cashless claims?

      If your vehicle is repaired in any of the garages registered as cashless under the company’s network, Acko Insurance will pay the repairing cost directly to the garage. This type of claim is known as ‘Cashless Claims’.

    • What are add-on covers?

      An add-on cover is additional protection over standard car insurance that can be purchased by paying extra premium.

    • How is the premium amount decided?

      Premium depends on your vehicle’s Insured Declared Values or IDV. A new vehicle will have higher IDV and subsequently, a higher premium.


    • Can I pay my car insurance renewal fee by cash?

      No. Acko General Insurance does not accept payment in cash for renewal or purchase of a car insurance policy. You can pay the renewal fee using a debit/credit card, Net Banking or through cheque.

    • Can I renew my car insurance policy with the Acko app?

      Yes, you can easily renew your car insurance policy using the ‘Acko Car and Bike’ app. The app is available for download in Google Playstore as well as in App Store.

    • My existing car insurance policy is about to expire. How can I buy a new policy from Acko?

      You can renew your existing car insurance policy (Acko or non-Acko) from Acko’s official website. If your existing car insurance policy is not with Acko General Insurance and it is going to expire in less than 60 days, you can buy an Acko General Insurance car insurance cover. And if your existing policy is due for expiry after 60 days, you can use Acko’s ‘Buy Later’ feature which will remind you about your policy renewal in due time.

    Third Party

    • What happens if my vehicle is not insured against third-party liability?

      As per the Indian Motor Tariff 2002, it is compulsory for every vehicle owner to have an insurance policy for his/her vehicle. The third party policy is the most affordable and basic car insurance policy that you can avail.

    • What is the maximum coverage of third-party liability insurance policy?

      This depends on the type/degree of injury/damage incurred to the third party. In case of partial disability, a third-party policy can fetch you 50-75% of the sum assured. However, in the case of death, the rendered amount is 100%. The final compensation amount is decided by the court of law.

    • My policy document is lost, what should I do next?

      If you have your Acko car insurance policy, you can call up their toll-free number and request for your policy copy via email. Once you receive the email, you can take a printout of the same and keep it in your vehicle.

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    Acko Car Insurance User Reviews

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    What users are saying
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    • Policy within budget

      I found a bunch of budget-friendly plans on the InsuranceDekho platform. I checked the minute details and comp...

      Read More
      By Tushar Negi
      On: October 19, 2021
    • Good experience

      Smooth navigation in the site and call help on phone from the this site clarified certain points made by me. ...

      Skoda Rapid Bangalore
      On: October 16, 2021
    • Instant policy issuance

      With just three easy and quick steps, I could purchase an Acko car insurance policy for my Ford Endeavour car ...

      Read More
      By Nimisha Desai
      On: October 14, 2021
    • Best Rates

      The price is less compared to other websites and the customer support executives are truthful and to the point...

      Volkswagen Vento 2015-2019 Bangalore
      On: October 13, 2021
    • Lucrative add-on covers

      The list of lucrative add-on covers was very much compelling on the InsuranceDekho platform. It offered me man...

      Read More
      By Manohar Singh
      On: October 12, 2021
    • Genuine feedback

      Super service, I appreciate their services. Fast, reliable, ...

      Maruti Ertiga Hyderabad
      On: October 8, 2021
    • No paper trails

      InsuranceDekho has made easy to go digital policy issuance possible and my best compliments to their customer ...

      Read More
      By Rishab Khatri
      On: October 7, 2021
    • Add-on cover choice

      I wanted some add-on covers to extend the coverage of the Acko car insurance policy that I purchased for a Hon...

      Read More
      By Jay Shankar
      On: October 5, 2021
    • Amazing chatbox facility

      I had queries related to the Acko Own damage car insurance policy as to how I can renew it and what are the do...

      Read More
      By Nitesh Tiwari
      On: September 30, 2021
    • User-friendly website

      I am thankful to InsuranceDekho for being customer-friendly. I got all the required details easily for my Toyo...

      Read More
      By Tanisha Nigam
      On: September 28, 2021

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