ACKO General Insurance

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A non-government Indian company, Acko General Insurance Limited is largely in the insurance business. The company started its operation in the year 2016 as India’s first digital insurance company. In the span of a few years the company has not only become the fastest-growing insurer company but has been instrumental in revving up the way India does insurance. By cutting down immensely on the paperwork associated with insurance, the company has sold over 50 million policies. 

The company offers: 

  1. Acko Car Insurance
  2. Acko Two-wheeler Insurance
  3. Acko Health Insurance

Acko Car Insurance Plans

Car Insurance in India is still considered to be compulsion by many, the reason behind this being the inability to understand the concept. ACKO has tried to make the process of buying, renewing and claiming an insurance policy a matter of a few clicks. The section below will help you in understanding the different aspects of car insurance.

  • Third-Party Insurance
    Third-Party Car insurance is considered to be the most basic type of insurance as it is mandated by law under the Motor Vehicles Act, 1988 and it also has the lowest premium. With this kind of insurance, you can cover the injury or damage that your car causes to another person or his property. The damages to your car won’t be covered.
  • Comprehensive Car Insurance
    A comprehensive car insurance policy offers much wider protection and covers almost all kinds of damages that your car may undergo. Along with own-damage resulting from collision, theft, man-made or natural disasters, your vehicle would be protected from third-party liabilities.
  • Standalone Own-Damage Car Insurance 
    This particular kind of Insurance can be bought when you already have third-party insurance. The damages to your vehicle will be covered when your car gets damaged because of collision, theft, man-made or natural disasters.
  • Personal Accident Cover for Owner/Driver
    In case of physical harm to the insured person:
    1. Death
    2. Loss of limbs
    3. Permanent disability
  • Add-Ons
    You can further enhance the coverage of your own-damage by including add-ons to your policy. The most common add-ons are:
    1. Zero Depreciation
      This cover helps you cover the loss that you have to bear as the depreciation of car parts is catered for.
    2. Engine Protection
      With this add-on, you will be covered for the expenses on internal parts of the engine that are damaged due to ingression of water/ leakage of lubricating oil
    3. NCB Protect
      Even if you make a claim during the policy year, you would be able to keep your No Claim Bonus intact
    4. Invoice Cover
      Unfortunately, if your car gets stolen or goes for total loss, you will receive a compensation equal to the invoice of the car
    5. Roadside Assistance
      You will be provided with a cover if you ask for roadside assistance for a dead battery, key loss, electrical malfunction etc

Acko Two-Wheeler Insurance

Buying insurance coverage for your motorised two-wheeler is mandated by the law. Acko offers the following options in two-wheeler insurance, depending on your insurance needs, select the policy that suits you the most.

  • Third-Party Bike Insurance
    According to the Government of India, it is mandatory for two wheelers to have a valid third-party two wheeler insurance plan to ply your bike on Indian roads. This coverage is for damages done to third party property, people or third-party vehicles and not to your own bike.
  • Comprehensive Two Wheeler Insurance
    A comprehensive two-wheeler insurance plan covers third party damages to your bike along with your own vehicle damages which might result from any accident. So, for your own vehicle, you would get coverage for any theft, disasters along with accidents. This is surely a wider coverage than a standalone third-party only insurance plan.
  • Standalone Own-Damage Insurance 
    If you have a valid third-party only insurance plan for your two-wheeler, you can opt for a standalone own-damage insurance policy, which covers damages to your own bike.
  • Personal Accident Cover
    Each person driving a bike or a two wheeler needs to have a mandatory personal accident coverage. So, you can choose to have a standalone personal accident coverage or include it in your vehicle insurance policy.
  • Add-Ons
    If you wish to further enhance the cover of your two-wheeler, you can do that by opting for an add-on. By paying a little extra, you would be able to increase the scope of your insurance manyfold. The most common add-ons are:
    1. Zero Depreciation
      Get a cover against the loss of claim amount due to depreciation
    2. NCB Protect
      A small/ minor claim would not let your hard-earned bonus go down the drain
    3. Invoice Cover
      In case of total loss or theft of your bike, you will get the invoice value of your vehicle

 Acko Health Insurance 

Opting for a suitable health insurance plan has become a basic necessity. Currently, Acko offers the following plans:

Name of Insurance Policy


Arogya Sanjeevani, Acko 
  • IRDA approved, a standard health insurance policy
  • Covers COVID-19 treatment costs
  • Sum Insured from INR 1 lakh to INR 5 lakhs
  • Covers allopathic and AYUSH Treatments
  • Compulsory 5% co-payment
  • Includes Modern & Advanced treatments
  • Cumulative bonus of 5% for every claim-free year, up to 50%
Acko Corporate Group Health Insurance 
  • A customisable insurance plan for your employees
  • Covers cost of COVID-19 treatment
  • No waiting period for pre-existing illnesses
  • Tele-consultations with doctors

Acko Insurance Company - Premium Payment

Payment of premium can be done online as well as offline, choose the method that suits you. 

  • Online
    For paying the premium online you can visit the company website or go to an insurance aggregator website, fill in the policy details and make the payment via an electronic mode, for example, credit/debit card, net banking. For some plans, you can also pay through your online wallet.
  • Offline
    To pay the policy premium offline, you can do it through your insurance agent and branch office. For car insurance, you can purchase the policy from your car dealer too.

Acko Insurance Company - Renewal of Policy

When you buy an insurance policy, it becomes very important to get it renewed on time, and regularly. Without a valid policy, you would have to bear all the expenses yourself as you would not be able to make any claims. 

  • Online Method 
    For renewing your policy online you can visit the company website and log in. You would then see your “Policy Card” and the available plan for you. Click “Buy Now” and make the payment via an electronic mode. You will soon receive an intimation on your mobile number or your email address.
  • Offline Method 
    You can renew your policy by physically visiting a branch office or through your insurance agent.

Acko Insurance Company - Renewal of Expired Policy

  • Car and Two-wheeler Insurance
    In case your motor insurance has expired, it is recommended that you avoid driving it till the time you renew the policy. WIth Acko, the renewal is quite simple and easy, just like regular renewal you need to choose the plan online and make the payment. The only difference would be that in case of an expired policy, your vehicle would be inspected by a company surveyor.
  • Health Insurance
    Once your health insurance policy reaches its expiry date, a 30-day grace period begins. During this period you must renew the policy else it would be terminated and you would have to invest in a new one. Get in touch with the customer care, they would guide you on the procedures to be followed.

Acko Insurance Company - Claim Procedure

  1. Car and Two-Wheeler Insurance
    To raise a claim for your car insurance you can go to the company website or call 1800 266 2256 or send an email to the customer care or intimate via the mobile application. You will be asked to submit a few details such as policy number/ mobile number/ vehicle number.  If possible you may be asked to provide pictures of the car and other details of the accident.
    • Cashless Claims
      At a network garage, after the inspection from the surveyor, your vehicle will undergo repair. The claims will be settled with the garage directly.
    • Reimbursement Claim
      If you get your vehicle repaired at a non-network garage, you still have the option to settle the claim through reimbursement. However, before getting the repair it is imperative that you inform the company about the accident and get your vehicle assessed. Once you pay the repair bill, you need to submit the bill along with the claim form. When your claim is approved, the money will be reimbursed in your savings account.
  2. Health Insurance

When you need to make a claim, you first need to inform the company. You need to do so within 24 hours in case of emergency hospitalisation and 48 hours before admission in case of a planned hospitalisation.

  • Cashless Claim
    To make a cashless claim, you must be admitted to a network hospital. To see the list of hospitals, click At the hospital, produce your health card at the helpdesk and submit the Claim form. After this, apart from co-pay and other deductions, the company will settle the bills directly.
  • Reimbursement
    You may also get hospitalised at a non-network hospital too, but keep in mind that you won’t be able to make a cashless claim. However, you can make a claim for reimbursement. This means that you would have to pay for the treatment from your own pocket initially, and once all formalities are fulfilled, you will be compensated for the covered expenses.

Acko Insurance Company Limited Company Profile

Since its establishment, the company of 6 now has a workforce of over 400 employees now. AnIRDAI licensed general insurance company, Acko has a Google Rating 4.8 stars and a Facebook rating of 4.2 stars. The company recorded a Claim Settlement Ratio of 95% and an Incurred Claim Ratio of 59%, in the financial year 2018-19.

Acko Insurance Company Limited-Customer Care Details

Toll-Free Number1800 266 2256
Company Address 

2nd Floor, #36/5, Hustlehub One East, Somasandrapalya, 

27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102

ACKO General Insurance FAQs

  • 1. How long will it take to get my policy documents when I buy/renew my Acko car insurance?

    Unlike other offline procedures, buying/renewing car insurance with ACKO does not take any time at all. Once you purchase a policy online, you will receive an email with your policy, within a few minutes.

  • 2. What is the CSR and ICR of Acko General Insurance Company?

    The company recorded a Claim Settlement Ratio of 95% and an Incurred Claim Ratio of 59%, in the financial year 2018-19.

  • 3. How do I find an Acko network hospital?

    Acko has a network of over 5,200 hospitals around the country. Locating one near you is easy,  you can visit the website to see the list of hospitals or simply click