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Understand the Hassle-free Claims Process with ACKO's Bike Insurance Online Policy

By Vikas Chandra Das
28 September 2022, 11:28 AM

Depending on the force of the impact, an accident, vandalism, or an unfortunate event can cause damage to you or your bike. However, people are often unaware of how to go about the claims process of an insurance policy. If you have the right information, filing a claim can be as simple as purchasing or renewing your online two-wheeler insurance policy

ACKO bike insurance offers a simple, convenient, and hassle-free claim-free process to recover your losses. All you need to do is notify your insurer of the loss/damage by filing a claim, and ACKO will compensate you according to your bike insurance policy terms and conditions. It is therefore advisable to choose an insurer with a high claim settlement ratio and a good testimony of genuine service, just like ACKO.

Let's delve into the process of filing a claim with ACKO insurance. 

What is a Two-wheeler Insurance Claim?

In case of an accident or an unfortunate event, if there is any damage caused to the bike or the insured during the event, a claim can be filed to cover the financial losses with the bike insurance company. The claim is based on the amount that has been insured and should be made within the validity of the bike insurance policy. For example, suppose an accident on the way to work damaged your motorcycle's headlight; you can have the repair costs covered by your policy by filing an accidental damage claim.

Read more - Bike Insurance Claim Settlement - A Complete Guide

Types of Two-wheeler Insurance Claims

Depending on the type of two-wheeler insurance online you purchased, you can file claims in two ways:

Cashless Claims

In this case, the insured doesn’t have to spend a dime on the repairing costs of the bike post-accident. ACKO has a tie-up with several network garages; all you need to do is send your two-wheeler to the nearest one for repairs. With this type of claim report, ACKO pays the repair bill, and you are only required to pay the excess, which isn’t covered by your insurance plan.

For example, if you haven’t taken an add-on for the engine and you have a simple third-party liability bike insurance, then the basic repairs will be covered after an accident, but any damage to the engine will have to be borne by you.

Reimbursement Claims

If your two-wheeler has been damaged, you can have it repaired at a workshop of your choice and get reimbursed for the repair costs. You must provide the original repair invoice, proof of payment, etc., to start the refund procedure. ACKO will refund the repairs covered in your bike insurance online plan.

For example, your two-wheeler met with an accident, and after informing ACKO, you get it repaired from your favourite garage. You can settle the bill and share the invoice with the insurer, who, after deducting applicable costs (not covered by the policy), will reimburse the balance amount to you in your account.

Read more - How to File a Bike Insurance Claim in India?

Step-by-Step Procedure to File a Claim at ACKO General Insurance

Step 1 - All you need to do is either call the insurer as soon as the mishap occurs or log in to their official website/mobile app and apply for the claim.

Step 2 - Don’t forget to take pictures and make videos of the damaged bike. Upload or share these images with ACKO customer care and get immediate service or reimbursement within a couple of hours.

Step 3 - ACKO’s support team will review the claim, contact you and help you resolve the complaint. In the event of minor damage, ACKO can settle the claim within a few hours. In the event of serious damage, you can either go in for a cashless facility wherein your damaged two-wheeler will be treated at the nearest garage at the insurer's expense, or you can take it to your preferred vendor and claim the expenses with ACKO.

Filing a claim if any damage has been caused to your bike is simple and hassle-free via ACKO's intuitive and solid digital platform. You don’t have to go through the tedious documentation process or fill out long forms to submit the claim.

There are certain situations wherein the ACKO bike insurance claim process may vary. In case of theft or third-party damage, the claim procedure may involve a few extra steps. Here is a variation of the claim process depending on the situation:

If damage has been caused to a third party or their property:

Step 1 - In case of an accident involving a third party, you must inform the police immediately and then the insurer.

Step 2 – In this case, the insurer will escalate the matter to the Motor Accident Claims Tribunal.

Step 3 – The Tribunal will look into the matter and decide the compensation amount to be paid.

In case of theft

Step 1 - You must immediately notify the police and the insurer.

Step 2 – You must submit the original FIR, a copy of your two-wheeler licence, registration papers, etc., along with the original bike keys to the insurer.

Step 3 – Once the police issues a non-traceable certificate after conducting their investigation, ACKO will deal with your two-wheeler bike insurance claim under the terms of your insurance policy.

Common Reasons for Two-wheeler Insurance Claim Refusals by ACKO

ACKO can accept or decline your two-wheeler insurance claim due to the reasons given below:

  1. False information, misrepresentation, or fraudulent claim.
  2. The accident occurred under the influence of drugs or intoxicants.
  3. You were riding your bike without a valid driver's licence.
  4. You have a second-hand bike that is still in the name of the seller.
  5. You did not inform ACKO of the accident on time.
  6. You had your two-wheeler repaired without prior intimation to the insurer.
  7. You use the two-wheeler for purposes other than those indicated in the policy.
  8. The damage to the two-wheeler is due to your negligence.
  9. If ACKO determines that the costs of the two-wheeler repair will exceed the value of your bike, then you will be paid the depreciated value of the two-wheeler.
  10. The claim will be rejected if you failed to renew your two-wheeler insurance online policy.


ACKO is a renowned insurer that lets you enjoy a smooth application, renewal, and claim process. You simply need to adhere to the terms and conditions of your two-wheeler insurance and collaborate with the ACKO support team during the claim resolution process.

Read more - ACKO Third-party Bike Insurance Policy - A Quick Guide


1. What kind of ACKO insurance policy will cover fire damage to my two-wheeler?

You must purchase ACKO's comprehensive bike insurance policy to cover this risk.

2. What is the claims process if my two-wheeler is stolen and announced non-traceable by the police?

You must receive the non-traceable police report and send it to ACKO to process your claim. After a thorough assessment, ACKO will compensate for the damage by measuring the two-wheeler's Insured Declared Value (IDV).

3. How often can I file a claim at ACKO?

There is no restricted number of claims that you can make with the ACKO two-wheeler insurance policy. But, it is recommended to avoid minor damage claims to take advantage of the No Claim Bonus (NCB) reduction.

4. If I get my bike repaired from an out-of-network garage, will I be eligible for claims?

Yes, for bike repairs at an out-of-network workshop, you can file a claim, and you will be reimbursed by ACKO after you submit all the necessary documents.

5. How important is the CSR - Claims Settlement Ratio while comparing insurers before purchasing the two-wheeler insurance online?

The claims settlement rate is a highly critical parameter to consider while choosing your insurer as it shows their credibility, reliability, and goodwill in the market. Besides CSR, you must consider customer experiences and reviews before selecting the right insurer.


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