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ACKO Car Insurance

ACKO Car Insurance in India offers complete financial security to your four-wheeler during any unfortunate and unforeseen events such as thefts, accidents, and natural calamities. It also offers various add-on covers that you can purchase along with your car insurance plan to enhance its scope of coverage. Moreover, it is important to secure your car with adequate car insurance as it is mandatory as per the Motor Vehicles Act, 1988.


ACKO Four Wheeler Insurance Online - Buy/Renew Plans Online

As a car owner, it is your responsibility to secure your vehicle with adequate car insurance. You can easily avail ACKO car insurance which offers benefits like cashless claims, roadside assistance, no claim bonus, and more. Read on to know more about ACKO car insurance and how you can purchase it.

Types of Car Insurance Plans Offered by ACKO

There are two types of car insurance by ACKO; Comprehensive Car Insurance and Third-Party Car Insurance. You have to choose one plan based on your requirements.

1. Third-Party Car Insurance

A third-party car insurance is the basic form of insurance cover. In the event of an accident caused by the insured car, all financial loss suffered by a third party or person is covered in this form of vehicle insurance. The insurer covers all the expenses required to meet the legal liabilities. Since it is a basic risk cover, a third-party car insurance does not provide insurance protection to the insured car. ACKO four wheeler insurance includes a basic personal accident cover for the person driving the insured car. It is compulsory to get a third-party car insurance as per the Motor Vehicles Act, 2019, in India. Failing to do so will result in a penalty of Rs. 2000 or imprisonment up to 3 months.

2. Comprehensive Car Insurance

A comprehensive car insurance is an enhanced version of the third party one. Other than the third party cover, this ACKO insurance for cars offers coverage against damages of the insured car. With an extended financial protection, the cover helps manage all kinds of liabilities. You can choose add-on covers to boost the range of protection. You may have to pay a higher premium amount for a comprehensive plan compared to a third-party plan. Since it combines the benefits of both, cover for third-party liabilities including personal accident cover and own damage cover, it is advisable to go for this car insurance.

Benefits of Buying ACKO Car insurance

You can enjoy many benefits if you avail of ACKO car insurance. They are:

  • Affordable Plans

With considerably low premiums, ACKO car insurance is truly a cost-effective choice.

  • Paperless Online Claim Settlement

You can settle all your claims instantly without any documentation. The process is 100% online.

  • 3-Day Claim Settlement

All minor repairs would be done within just 3 days after raising the claim (in select cities).

Acko Car Insurance Plan

Acko Car Insurance offers two types of car insurance plans, namely, Third-party Car Insurance Plan and Comprehensive Car Insurance Plan. The following table showcases the key features of these plans.

Features and Benefits of the Plan

Type of Acko Car Insurance Plan

Third-party Car Insurance

Comprehensive Car Insurance


Low coverage

Extensive coverage


Starting at ₹2,072 (- + GST, effective 1st April 2022)

Starting at ₹2,072 (- + GST, effective 1st April 2022)

Personal Accident Cover


Included (Up to Rs. 15 lakh)

Own Damage Cover

Not included


Third-Party Liability Cover



Option For Add-ons

Not Available

Available (Emergency roadside assistance cover, Zero-depreciation cover, Engine protection, 24 x 7 road assistance cover)

Claim Settlement Ratio



Claim Settlement Process

Hassle-free, paperless, instant

Hassle-free, paperless, instant

Buying & Renewal Process




How to Buy ACKO Car Insurance

You can easily buy ACKO car insurance online from Bajaj MARKETS in a few minutes. Just follow the quick steps mentioned below.

  1. Visit the Bajaj MARKETS website or app.

  2. Provide your car number & mobile number.

  3. Fill the application form with some important details of your car.

  4. Choose the car insurance plan as per your needs after checking the ACKO car insurance price.

  5. Make an instant online payment for the insurance premium.

  6. Your policy will be sent to you instantly.

What’s Covered/ Not Covered in the ACKO Car Insurance

1. Covered in the insurance

  • Damage to a third party vehicle

With ACKO car insurance, you are in compliance with the law that mandates third party car insurance, while also covering for the damages caused by your car to any third party vehicle while driving.

  • Own Damage (OD)

Apart from fulfilling the liabilities to the third party, you also get the financial coverage of your own damage, where your car would be insured against unwanted mishaps such as fire, damage due to floods, theft, etc.

  • Damage due to natural causes

Your ACKO car insurance policy covers any damages to your car due to man-made disasters like theft, riots and natural calamities including earthquakes etc.

  • Fire

Damages caused to your insured car due to unfortunate events like explosion are covered under your policy.

  • Theft

Car theft is one of the most worrying risks for a car owner. In case your insured car is stolen, the car insurance has you covered against theft.

2. Not covered in the insurance

  • Damages caused when driving irresponsibly

Damages caused to your car when driving under the influence of alcohol or illegal drugs are not taken care of by the insurance policy.

  • War-like scenarios

Damages caused to your vehicle during a war or similar conditions are not covered under the policy.

  • Inactive policy

Damages to your car when your policy is inactive is not covered.

  • Regular servicing costs

Timely servicing and maintenance expenses due to wear and tear of your car are not covered in the ACKO car insurance policy.

  • Car parts

Damages caused to your car’s tubes, tyres, and engine, unless damaged due to an accident are not covered.

  • Illegal driving

Damages incurred when driving without a valid licence are not covered.

  • Theft of personal items in the car

Items stolen from your car are not covered under your car insurance policy.

Enhance your Coverage with Customised Add-on Covers

While comprehensive car insurance helps you deal with the financial liability of an accident, it may not be completely enough. Customised add-on covers available with comprehensive car insurance from ACKO help you get a complete financial protection. Here are some add-on covers that you can choose when you buy car insurance online from ACKO.

1. Roadside Assistance

The emergency car roadside assistance cover provides on-spot assistance in case of accidents including urgent fuel delivery, flat tyre repair, key services, urgent car fixing, cab services, and towing, etc.

Product Name: Private Car Package Policy - Add-ons: Roadside Assistance, UIN: IRDAN157RP0007V02201718/A0007V01201819

2. Zero Depreciation

It is commonly known as nil depreciation and also, bumper-to-bumper car insurance cover. This cover helps you manage external care costs. Zero-depreciation cover takes care of all body repairs with no depreciation in the value of the car’s external parts.

Product Name: Private Car Package Policy - Add-ons: Zero Depreciation, UIN: IRDAN157RP0007V02201718/A0006V01201819

3. Engine Protect

The replacement and repair of your car’s engine parts are covered under the engine protection add-on. This includes pistons, rods and others.

Product Name: Private Car Package Policy - Add-ons: Engine Protect, UIN: IRDAN157RP0007V02201718/A0004V01201920

Read More: Car Insurance Add-On Cover

Steps for Renewing your ACKO Car Insurance Policy

Renewal of your ACKO car insurance online is a simple process. You should always check your policy’s expiry date to avoid penalties and fines. The best way to renew online is by visiting the official website of the insurer. Follow the below-mentioned steps for renewal.

  1. Visit your insurer’s official website.

  2. Enter details like your existing car insurance policy number, car’s registration number and mobile number.

  3. Check your car insurance renewal amount.

  4. Make the premium payment online.

  5. Your renewed ACKO car insurance will be sent to you instantly.

ACKO Car Insurance Claim Process

The process of claiming ACKO car insurance in the event of an accident is very easy and hassle-free. Just follow the steps given below:

  1. Visit Bajaj MARKETS website or app.

  2. Head on to the ACKO car insurance page.

  3. Click on the ‘Register a claim’.

  4. The insurer will let you know what to do.

  5. Your car will be picked up instantly (in select cities).

  6. Repair status will be updated on the insurer’s website.

  7. The repaired car will be delivered to your doorstep.

Read More: Car Insurance Claim

We Are Here To Help You

In case of any queries or problems related to the car insurance by ACKO, you can contact either Bajaj MARKETS or ACKO General Insurance in many ways.

  • You can download the Bajaj MARKETS app and easily manage your account and view your policy details.

  • Call the customer care number: 020-66399444 (Mon - Sat from 10 am to 6 pm) or write to

  • You can also login to the customer portal to view your policy details.

  • You can reach out to the team at ACKO General Insurance by writing to or calling customer care using the contact number: 1-800-266-2256.

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FAQs on Acko Car Insurance

✔️How to find my car insurance policy number?

Your car insurance policy number is stated in your policy document. You can find it by going through your policy document.

✔️How to download a car insurance certificate / policy?

 You can download your car insurance certificate/policy by logging in to your account on the insurance company’s website. You can also request the insurance company to email it to you.

✔️What is IDV in car insurance?

IDV stands for Insured Declared Value in car insurance. This is the amount you would receive in case you have a Comprehensive car insurance policy and your car undergoes total damage. 

✔️What is Third-Party Car Insurance?

 A third-party car insurance is the basic form of insurance cover. In the event of an accident caused by the insured car, all financial loss suffered by a third party or person is covered in this form of vehicle insurance. The insurer covers all the expenses required to meet the legal liabilities. It is compulsory to get a third-party car insurance as per the Motor Vehicles Act, 2019, in India.

✔️How to get a duplicate car insurance copy online?

Visit your insurance company’s website and log into your account. Download a copy of your insurance policy from there.