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Acko Bike Insurance Claim Process 

If you have a comprehensive bike insurance plan in place, you can rest assured that the repair cost of any damages arising out of accidents will be covered under your bike policy. However, in order to apply for a claim correctly, you must be aware of the exact steps that need to be taken. If there are any errors in the documents you have submitted or the claim process itself, your claim will likely get rejected. Fortunately, ACKO bike insurance has a very simple and straightforward claim process, which you can understand by reading the exact steps given below: 

How to File ACKO Bike Insurance Claim

There are two different ways in which you can make an ACKO bike insurance claim; cashless and reimbursement claim. 

Reimbursement Claim 

You can follow the given steps to file a reimbursement claim: 

  • Contact Insurer 

Connect with the ACKO team and inform them about the motor accident and your intention to file a claim. 

  • Register Claim Online 

Fill in the online claim application form on the official ACKO website and submit all the required documents. 

  • Insurer will Survey 

The insurer will appoint a surveyor who will examine the condition of your damaged vehicle. 

  • Claim Settlement 

Once your vehicle has been repaired, you will have to submit all the bills to your insurer. After the insurer verifies the repair bills, your reimbursement claim will be paid out. 

Cashless Claim 

  • Contact Insurer 

In the event of an accident, inform your insurer about your intention to file a claim. 

  • Visit A Network Garage 

Visit any ACKO network garage near your location to get your damaged bike repaired. 

  • Verification and Repair 

The network garage will verify your insurance details and then proceed with the repairs for your damaged bike. 

  • Claim Settlement 

Once your bike has been successfully repaired, ACKO will directly settle the repair costs with the network garage.

Read More: Bike Claim Settlement Process

Documents Required for ACKO Bike Insurance Claim Settlement 

You will need to keep the following documents ready in order to make a claim: 

  • Copy of your bike registration certificate

  • Police FIR of the accident/theft

  • Copy of your insurance policy papers

  • Copy of your driving licence

  • Repairs bills and receipts in case of a reimbursement claim

Understanding Why Your Claim May Get Rejected 

ACKO is known for its transparent and super quick claim approval ensuring that you, the policyholder, do not face any trouble during your claim settlement process. However, there could be incidents where the claim on your ACKO bike insurance may get rejected. Hence, it is important to understand the common reasons for this.

  • Incorrect Details

Providing incorrect information while purchasing the policy could result in claim rejection.

  • Claimed Damage is Not Covered

Claim could get rejected in case the claimed damage is not covered under your bike insurance policy.

  • Damage Before Policy Purchase

In case the damage to your bike occurred before the purchase of the policy, it could lead to claim rejection.

  • Illegal Activity

Insurance claims connected with any malicious activity carried out with an intention to defraud will be rejected.

  • Claim Request Outside Policy Period

If the bike insurance claim is made when the claim date is beyond the policy period, it will be rejected

We are Here to Help You 

At Bajaj MARKETS, we are committed to serving you better. Here’s how you can connect with us, should you need any help with ACKO bike insurance:

  • You can reach out using the customer care number: 020-66399444 (Mon to Sat from 10 am to 6 pm).

  • You can write to us at:

  • You can also log on to our Customer Portal - to view your policy details.

  • You can download the Bajaj MARKETS App. With our bike insurance app, you can easily manage your account and view your policy details.

ACKO General Insurance

You can reach out to the team at ACKO General Insurance Ltd., should you have any queries or require assistance.

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FAQs on ACKO Bike Insurance Claim Process

✔️What are cashless network garages?

Cashless garages are workshops that work in partnership with the insurer for the repair of your insured bike under their policy. These garages provide cashless repair and replacement services post a mishap if you have availed the cashless garage facility while buying the policy.

✔️ I’ve some existing damages on my bike that were present even before the accident for which I’ve created the claim. What should I do?

You need not worry. Just inform ACKO about these pre-existing damages when the claims expert reaches out to you. The expert will ensure to only repair current damages which resulted from the accident.

✔️My bike has been stolen. What should I do?

If your bike has been stolen, follow the steps given below: 

  • Report the incident to the police by dialing 100 or by visiting the nearest police station and filing an FIR. The same will be required in the claim process. 

  • Click on ‘Register a Claim’ on the official ACKO website. 

  • On your Policy Card, click on 'Claim Now'. 

  • Answer a few questions that follow, and you are done. 

ACKO’s claims expert will get back to you and assist you further.

✔️Does ACKO provide a No Claim Bonus on bike insurance?

Yes, if you have purchased ACKO bike insurance, you are eligible to get a No Claim Bonus for every claim-free year.

✔️What happens if my cashless claim is rejected?

If your cashless claim gets rejected, you can try applying for a reimbursement claim.

✔️ What is the ACKO bike insurance claim settlement ratio?

ACKO motor insurance has a very high claim settlement ratio of 95%.