Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Track & Policy DownloadLogin
HomeCar InsuranceCompaniesAckoZero Depreciation
  • CASHLESS GARAGES 2,000
  • CLAIMS SETTLED 72.68%
Key Features:
  • Right Green Tick Covers Third Party Person
  • Right Green Tick Covers Third Party Property

Calculate Your Car Insurance Premium Online

Select your car brand

  • Maruti
  • Hyundai
  • Honda
  • Toyota
  • Mahindra

Which city is your car registered in?

  • Ahmedabad
  • Bangalore
  • Chandigarh
  • Chennai
  • Gurgaon

When did you buy your car?

ACKO Zero Depreciation Car Insurance

Zero Depreciation or Nil Depreciation is an add-on to a Comprehensive Car Insurance Policy offered by Acko General Insurance Company. Opting for this cover makes the policyholder free from liabilities of depreciation while settling claim. Policyholder will get coverage of third-party liabilities, the repair cost of the insured vehicle, injury/death of the policyholder and also, reimbursement of depreciation fees. The company also pays completely for the repairs/replacement of the fibre and plastic components of your car.

It is obvious that you have to pay an additional premium to avail this add-on, as it extends the coverage of standard car insurance policy. Moreover, Acko offers this add-on cover only for cars not older than 5 years.

Benefits of Acko Zero Depreciation Car Insurance

  • Your car loses its value with time and entire depreciation amount is factored in while rendering claim. Purchasing Zero Dep add-on cover will shift this liability to the insurer. This means that you will be entitled to get the entire claim amount without deduction of depreciation from it.
  • During repairs, you partly pay for the repairs/replacement of the plastic, metal or fibreglass parts of your car. However, having the Zero Dep add-on cover exempts you from this liability and entitles the company to pay the total cost of these repairs.

​Factors Affecting Car Insurance Zero Depreciation

Age of car: Acko General Insurance offers Zero Depreciation add-on cover only for cars not older than 5 years.

Cost: A zero dep policy would cost you additional premium compared to a comprehensive policy although the benefits justify the additional cost.

Number of claims: Acko Insurance (and majority of other general insurance companies) has fixed the maximum number of times this cover can be used for claim settlement. This means that you can take zero dep claims upto a limited number of times.

Premium Calculator

As a car insurance policy with Zero Dep add-on cover is expensive compared to a standard insurance policy, it is important to get a quote before actually purchasing it.

You can visit our website www.insurancedekho.com and enter the required details to get Acko Zero Dep car insurance quotes. On the quotes page, simply choose Zero Dep add-on to get the desired quotes.

ACKO Car Insurance Claim Process

1) Contact your insurer

Immediately get in touch with insurer if any damage is caused to your vehicle due to an accident, fire, 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 intimate your claim to the insurer over call or via other means, they will explain the entire claim process and share the list of documents which are 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

Once your car has been repaired and post sharing all the required documents, the claim amount (without factoring depreciation) will be paid to you. In case your car was picked by Acko for repairs, 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.

Explore Acko Car Insurance

Must Read Articles before buying Acko Car Insurance

ACKO Car Insurance User Reviews

4.8
Rating based on
391 User reviews
Write your review
What users are saying
  • All
  • Zero Depreciation
  • Most Helpful
  • Comprehensive
  • Third Party
  • Own Damage
  • Renewal
  • Cashless Garages
  • Price
  • Premium
  • Policy Download
  • Customer Care
  • Claim
  • Add On
  • 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.

    Read More

    N
    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.

    Read More

    R
    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.

    Read More

    U
    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.

    Read More

    S
    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.

    Read More

    M
    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.

    Read More

    A
    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.

    Read More

    F
    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.

    Read More

    M
    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.

    Read More

    A
    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!

    Read More

    D
    By Daaniyah Khan
    On: June 10, 2024
Acko Reviews

Acko Zero Depreciation Cover FAQs

  • 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%
FAQ
must dotmust graphics

Why to buy from InsuranceDekho?

  • Instant policy # within 5 mins
  • More than 45 Lac happy customers
  • Claim Support available all 7 days of the week

ACKO Car Insurance Contact Us

For any query related to Zero Depreciation cover

Car Insurance News

News
ACKO Car insurance starting from ₹ 2094/year*
or
Proceed without car numberI have a brand new car

Partner Car Insurance Companies

Car Insurance Companies

Disclaimer: InsuranceDekho does not endorse, rate or recommend any particular insurance company or insurance plan.

Calculate your Car IDV

You may also be interested in

    Zero Depreciation Car Insurance

    Related News

    Car Insurance News

    Become Motor Insurance Agent

      ACKO Car insurance starting from ₹ 2094/year*
      or
      Proceed without car numberI have a brand new car

      Car Insurance starting from
      ₹6/day*

      I agree to *terms & conditions  and privacy policy.
      Don’t know your car number? Click here
      close
      #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.