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Acko Standalone Own-Damage Car Insurance Policy

A standalone own-damage plan gives the coverage for damages sustained by your car due to some unfortunate events. It is one of the three kinds of car insurance that is designed to safeguards your car in different scenarios which include accidents, fire, theft, natural disasters, man-made calamities, etc. The policy brings immense relief during a financial crisis, hence, it is recommended to own a standalone own-damage car insurance plan with the compulsory third party insurance plan.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance


Acko Third Party Insurance

Acko Standalone Own-Damage

Acko Comprehensive Insurance


Acko third party car insurance provides coverage for your financial liabilities which you may incur towards a third party for their bodily injuries, death or property damage.

Acko standalone own-damage car insurance covers own-damage expenses of a car in several conditions which could be an accident, theft, natural disaster, man-made calamities, etc. With this plan, the NCB benefit is also offered.

Acko comprehensive car insurance plans provide a holistic coverage under which they cover expenses for third party liabilities as well as own-damage expenses under a single amount of premium. It also offers an optional personal accident cover.


Acko third party insurance does not offer add-on covers.

Acko standalone own-damage insurance offers several add-on covers.

Acko comprehensive insurance provides a range of add-on covers.


Acko third party car insurance is available at a reasonable price due to its limited coverage.

Acko standalone own-damage car insurance is costlier than third party insurance.

Acko comprehensive car insurance plans are the costliest due to their extensive coverage.

What Is Covered Under Acko Standalone Own-Damage Policy?

Here are some scenarios which are covered under an Acko standalone own-damage policy:

  • Damages or losses due to accidents or collisions.
  • Damages sustained by the car due to fire or explosion.
  • Damages and losses incurred by cars due to theft, fire, etc.
  • Damages caused to the car due to a natural or manmade disaster.

What is Not Covered Under Acko Standalone Own-Damage Policy?

Here are a few situations which are not covered under the Acko standalone own-damage plan:

  • The depreciated value of the insured car.
  • Accidents caused due to illegal driving.
  • If a car is driven outside the geographical boundaries.
  • Damages incurred due to mechanical or electrical glitch.

Benefits of Acko Standalone Own-Damage Policy

Here are some crucial benefits of buying an Acko standalone own-damage insurance:
  • Different add-on cover options are available.
  • Provides a No Claim Bonus for every claim-free year.
  • Safeguards your car in events like accidents, theft, etc.

How to Purchase Acko Standalone Own-Damage Policy?

Following are the steps to buy an Acko standalone own-damage car insurance:

Step 1: Visit the InsuranceDekho website and click on the ‘Car’ tab.

Step 2: Fill up the registration number of your car. If you do not know that, you can proceed by entering your car’s make, model, registration year, and so on.

Step 3: Enter your personal details and click on the ‘Submit and Get Quotes’ link.

Step 4: Various policy quotes will appear on your screen. Opt for Acko car insurance from one of the quotes as per your needs.

Step 5: Pay for the Acko car insurance plan and get the policy document instantly on your registered email ID.

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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  • Easy Buying Process

    It was really easy to pick the right insurance within a few minutes. I just bought a car insurance by Acko thr...

    By Mannu jaiswal
    On: March 2, 2024
  • Quality Repairs, Every Time

    When I bought the Acko Car Insurance Policy from InsuranceDekho for my Chevrolet car, I found that the cashl...

    By Nitish Hanspal
    On: November 21, 2023
  • Compliance and Budget-Friendly...

    Third-party coverage that I took with the Acko Car Insurance Policy for my Nissan car is the perfect blend o...

    By Sahil Sheikh
    On: November 16, 2023
  • No Worries About Repair Costs

    With being able to add the benefits own damage coverage to my already existing Acko Car Insurance Policy fro...

    By Umang Giyal
    On: November 2, 2023
  • Effortless Car Insurance Renew...

    InsuranceDekho made my Acko Car Insurance Policy’s renewal process effortless. Their user-friendly platform ...

    By Ritu Chandha
    On: October 18, 2023
  • Convenient Claim Tracking

    InsuranceDekho's online claim tracking system is convenient. I could easily check the progress of my claim o...

    By Tarun Yadav
    On: October 16, 2023
  • Responsive Customer Support fo...

    The customer support team at InsuranceDekho is responsive and helpful. They've been quick to assist whenever...

    By Bilal Reshamwala
    On: October 12, 2023
  • User-Friendly Renewal Portal

    InsuranceDekho's online renewal portal is user-friendly and efficient. I was able to renew my Acko Car Insur...

    By Pallavi Thukral
    On: September 27, 2023
  • Quick and Fair Settlement

    InsuranceDekho's claim settlement process was surprisingly fast. When my Chevrolet car was involved in an ac...

    By Sheetal Tyagi
    On: September 25, 2023
  • Value for Money Protection

    I believe InsuranceDekho's own damage coverage offers excellent value for money. The Acko Car Insurance Poli...

    By Abeer Singh
    On: September 21, 2023

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