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Which is Better: Acko Or Hdfc Ergo?

Published On Aug 22, 2022 10:00 AM By InsuranceDekho

Which is Better: Acko Or Hdfc Ergo?

For a car owner, having a reputable insurance provider is crucial. There are lots of choices, but when it comes to picking a company, customers frequently have to trust their instincts. Since HDFC and Acko have both been in business for a number of years, they have developed a reputation within the sector.

 Which is Better: Acko Or Hdfc Ergo?

Car Insurance: HDFC Ergo VS Acko Insurance

One of the top insurance companies in the nation is HDFC ERGO. With the fastest 24-hour customer service, HDFC has a 1.5 CR+ customer base. The HDFC renewal process is simple and easy.

Acko is renowned for its zero-paperwork and 100% digital work policies. Due to its minimal operating costs in comparison to other companies, it offers the best insurance policies at the lowest charges. Claims under Acko's general insurance policy are settled quickly.

List of Types of Insurance Plans Offered by HDFC Ergo General Insurance

You can choose from a number of general insurance categories through HDFC ERGO, including:

  • Vehicle Insurance
  • Bicycle insurance
  • health protection
  • Travel Protection
  • Housing insurance

List of Types of Insurance Plans Offered by Acko General Insurance

You can choose from the categories below if you are opting for insurance from Acko:

  • Car/Taxi insurance with Acko.
  • Cycling Insurance
  • Medical Insurance
  • Digital Insurance

Parameters for Comparison: HDFC Ergo Vs Acko General Insurance

Comparisons of insurances can be made using the following factors: premium, coverage, claims, benefits, etc as follows:

  1. Network Garages: HDFC has a network of more than 6,800 cashless garages. Acko maintains a network of 2,000+ cashless garages.
  2. Claim Settlement Ratio HDFC Ergo car insurance's claim settlement ratio (CSR) is 91.23% in FY20. Whereas, the CSR registered by Acko in the same period stands at 83.91%.


In summary, the automobile insurance policies offered by both companies are excellent. From the moment you decide to purchase the policy until you finally collect the money, they offer you every convenience imaginable; the process is simple and intuitive.

Also Read: 

Is It Mandatory To File An Fir Before Claiming For Insurance

Everything You Need to Know About Private Car Insurance


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
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