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Understanding Acko Car Insurance

Car insurance, also known as motor or auto insurance, is a vital safeguard for vehicle owners, offering financial protection against damages resulting from accidents, natural disasters, or thefts. A comprehensive car insurance policy from Acko ensures you’re financially covered for any unfortunate events affecting your vehicle. Additionally, it covers third-party liabilities and ensures compliance with legal requirements.

Key Features of Acko's Online Car Insurance

Acko’s digital-first approach makes insuring your car simple, easy, and convenient. Here are some key features:

Incredibly Low Premiums:
Acko’s digital setup minimizes operational costs, allowing them to sell car insurance directly to you without intermediary commissions, keeping premiums low.

Zero Paperwork:
No need for physical forms or document submissions. Everything is online, making both purchasing and renewing policies hassle-free.

Stress-free Claims:
Features like free pickup and drop, along with claim tracking, ensure a smooth claims experience.

Instant Claim Settlement:
Minor claims are settled instantly, while major claims are processed swiftly per policy terms.

Total Convenience:
Buy or renew car insurance online anytime, anywhere, including weekends and public holidays.

24×7 Support:
Acko offers round-the-clock support, ensuring assistance is just a call or click away.

Easy Insurance Renewal:
Renew your car insurance easily via Acko’s mobile app or website by entering your policy number and following the simple renewal process.

Different Types of Car Insurance Policies Offered by Acko

Acko provides various car insurance policies tailored to your needs:

Third-Party Car Insurance Policy:
Covers financial liabilities for damages caused to other people’s property or injuries/death of a third party. This policy is mandatory by law but does not cover damages to your car.

Comprehensive Car Insurance Policy:
Provides all the benefits of a third-party plan plus coverage for damages to your car from accidents, calamities, fire, theft, and even rat bites. You can also opt for add-ons to enhance coverage.

Zero Depreciation Policy – Super Saver (Bumper-to-Bumper):
Covers 100% of the cost of car parts without accounting for depreciation, offering maximum claim amounts for repairs.

Stand Alone Own Damage Cover Policy:
Covers damages to your car from accidents, natural disasters, fire, or theft, providing additional coverage beyond the third-party liability.

Comparing Third-Party vs. Comprehensive Car Insurance

Parameter Third-Party Car Insurance Policy Comprehensive Car Insurance Policy
Meaning Basic law-mandated policy covering third-party liabilities. Optional policy covering your car and third-party liabilities.
Coverage Damages to third-party property/vehicle and injury/death. Includes third-party damages and damages to your car from various causes.
Premium Low Higher due to extensive coverage.
Add-ons Not available Available
Legally Mandatory Yes No

Coverage Under Acko's Comprehensive Car Insurance Policy

Third-Party Losses:
Covers damages to third-party property/vehicle or injuries/death caused by your car.

Accidents:
Covers damages to your car from accidents or collisions.

Fire:
Covers damages from accidental fire, vandalism, or self-ignition.

Theft:
Provides financial protection if your car is stolen.

Calamities:
Covers damages from natural and man-made calamities.

Rat Bite Damages:
Covers damages to your car caused by rat bites.

Exclusions Under Acko's Car Insurance Policy

Pre-Existing Damages:
Does not cover any damage your car had before purchasing the policy.

Normal Wear and Tear:
Excludes repair or replacement costs for parts damaged over time due to regular use.

Mechanical and Electrical Damage:
Excludes manufacturing defects in car components.

Driving Without Valid Documents:
Does not cover damages if you were driving without necessary documents.

Illegal Driving:
Excludes coverage for damages incurred while driving illegally, such as under the influence or participating in a race.

Loss Outside Geographical Limits:
Does not cover damages incurred while driving outside India

Add-on Covers Offered by Acko

Roadside Assistance Cover:
Provides 24×7 emergency roadside assistance, including towing services during breakdowns.

No Claim Bonus (NCB) Protection:
Keeps the NCB discount intact even if you make a claim, allowing up to 50% discount on renewals.

Engine Protection Cover:
Covers repair or replacement costs for engine parts due to water ingress, hydrostatic lock, and other accidental damages.

Consumables Cover:
Covers costs for consumables like engine oil, lubricants, and other items during claim settlements.

Compulsory Personal Accident (Owner-Driver):
Mandatory by law, covers permanent disability or death while driving.

Personal Accident Cover for Passengers:
Insures passengers in case of accidents leading to permanent disability or death.

Paid Driver Protection:
Provides financial protection for your paid driver in case of serious injuries or death in an accident.

Factors Affecting Car Insurance Premium

Car’s Engine Capacity:
Higher engine capacity leads to higher premiums.

Insurance Coverage:
Comprehensive coverage costs more than third-party insurance.

Insured Declared Value (IDV):
Higher IDV results in higher premiums.

Cost of Add-ons:
More add-ons increase the premium.

Age of The Car:
Older cars usually have lower premiums due to reduced value.

Claims History:
A bad claims history can result in higher premiums.

Deductibles:
Higher deductibles can lower premiums.

Geographical Location:
Premiums vary based on the location due to traffic density and risk factors.

How to Buy/Renew Car Insurance Online with Acko

Share Your Vehicle Details:
Provide car registration number, make, model, year of purchase, and previous policy details.

Select the Policy and Add-ons:
Choose the desired policy type, tenure, and add-ons.

Pay Online:
Finalize and pay the premium online to receive the policy document instantly.

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Get your Policy In Just 4 Easy Steps!

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01

Enter Your Basic Details

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Compare & Choose Between Policies

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Make The Payment Online

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