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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

ACKO Insurance Car Insurance is a fully digital motor insurance solution that provides financial protection against damages to your car and third-party liabilities. It offers comprehensive, third-party, and own damage plans with instant policy issuance and hassle-free claims.

With fast processing, minimal documentation, and easy eligibility, it is a reliable option for entrepreneurs and individuals looking for quick financial assistance.

Eligibility Criteria

Applicant must be a vehicle owner in India
Valid Registration Certificate (RC) required
Available for new & used cars
Policy can be purchased or renewed online

Features & Benefits

100% digital process – buy, renew & claim online
No middlemen → lower premium (zero commission model)
Coverage for accidents, theft, fire & natural disasters
Third-party liability cover (legal protection)
Personal Accident Cover up to ₹15 lakh
Cashless repair at network garages across India
Doorstep claim service (pickup & drop सुविधा)
Add-ons available (Zero Dep, Engine Protect, RSA etc.)
Instant policy issuance & quick claim settlement

Fees & Charges

Premium: Starts approx. from ₹2,000–₹3,000 (varies by car & location)
Third-party premium: As per IRDAI guidelines
Add-on charges: Extra based on selected cover
Deductibles: Applicable during claim
No Claim Bonus (NCB): Discount on renewal

Documents Required

Vehicle RC (Registration Certificate)
Previous insurance policy (if renewal)
Driving License
ID Proof
???? For Claim
Claim form
RC copy
Driving License
FIR (in theft/major accident)
Repair bills/estimate
Policy document

FAQs

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Third-party, Own Damage, and Comprehensive car insurance plans.

It covers own car damage + third-party liability + theft, fire & disasters.

Yes, ACKO operates completely online with zero paperwork.

Yes, it is legally required in India under Motor Vehicles Act.

Yes, cashless repair is available at network garages.

Terms & Conditions

Policy coverage depends on selected plan & add-ons
Claims are subject to verification and policy terms
Exclusions include wear & tear, mechanical failure, illegal driving
Premium and benefits may change as per company policy
Final claim approval is at insurer’s discretion

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