Acko Two Wheeler Insurance Claim Process

Acko two wheeler insurance is one of the most trusted players in the market and allows you to file reimbursement claims, as well as cashless claims, in a seamless and hassle-free manner.

If you possess a bike, having third-party insurance is mandatory as per law. In the unfortunate event of an accident, you must be aware of how to file a claim. The Acko two-wheeler insurance claim process is quite simple. For the former, you can contact the insurer or register your claim online. For the latter, you can contact the insurer, or visit the nearest network garage.

  • Overview
  • Claim Settlement
  • Customer Care

About Acko Bike Insurance

Opting for the Acko Two-Wheeler Insurance ensures that you are financially protected whilst on the road with your bike. In addition to this, it also helps you comply with the motor laws prevailing in the country, which mandates that every vehicle owner must have a valid two-wheeler insurance policy. 


The Acko Two-Wheeler Insurance policy is laden with excellent features and benefits which can help you stay financially secure concerning any adverse events of your bike.

Key Features of Acko Bike Insurance 

There are certain salient features of the Acko Bike Insurance policy, some of which have been discussed below-


  • Cashless Claims - With Acko Insurance for bikes, you get access to cashless insurance and cashless claims, making your bike insurance experience seamless and hassle-free. 

  • Extensive Coverage - Your Acko Bike Insurance policy provides extensive coverage for your bike. If you opt for a comprehensive bike insurance policy, then you can be financially secured against damage to your bike as well as damages caused to any third party.

  • High Claim Settlement Ratio - With a claim settlement ratio of 98%, Acko assists in settling your bike insurance claims at the earliest.

  • Cashless Insurance - You can benefit from cashless insurance at our wide network of partner garages, and file cashless bike insurance claims.

  • Seamless Claims Process - You can file a claim on your Acko Bike Insurance policy quickly through our online claims process

Key Benefits of Acko Bike Insurance 

For the Acko Bike Insurance purchase, you will get access to several benefits, such as -


  • Hassle-free Repairs for your Bike - With the purchase of the Acko Two-Wheeler Insurance Policy, you can be assured of swift and hassle-free repairs for your bike. All you need to do is intimate the bike insurance team at Acko via phone or website.

  • Savings on Premiums - If you buy Acko Bike Insurance online, you can save a significant amount of money in terms of the premium for the policy. 

  • Instant Issuance of Policy - Time is money, and we value your time. Therefore, your Acko Bike Insurance Policy shall be issued to you shortly after you complete the online purchase process. 

  • Pocket-friendly Premiums - Our policies have low premiums to provide you with the maximum coverage for your bike at a minimal cost.

  • Zero Paperwork - Why protect only your bike when you can protect the planet as well? With our zero paperwork policy, you need not submit physical copies of any document to buy your Acko insurance bike policy. 

Acko Bike Insurance Plans

Acko Bike Insurance offers two types of bike insurance plans, namely -

  • Third-party Bike Insurance Plan - A third-party bike insurance plan offers monetary compensation for the damages or loss caused to the third party and their property or vehicle. According to the Indian Motor Act, it is mandatory to at least have third-party bike insurance

  • Comprehensive Bike Insurance Plan - Comprehensive bike insurance offers monetary compensation for the damages or loss to the policyholder as well as to the third party.


The following table showcases the key features of these Acko bike insurance plans -


Third-Party Bike Insurance

Comprehensive Bike Insurance


Lower coverage

More extensive coverage


Starting from Rs.538 + GST (effective 1st April 2022)

Starting from Rs.538 + GST (effective 1st April 2022)

Personal Accident Cover



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)

Claim Settlement Ratio



Claim Settlement Process

Seamless, hassle-free, paperless, Instant

Seamless, Hassle-free, paperless, Instant

Buying & Renewal Process

Fully Digital

Fully Digital

How To Buy Acko Bike Insurance Online? 

You can buy an Acko Bike Insurance Policy online and enjoy a cost-effective and timely policy purchase experience. Here are the steps you need to follow to purchase Acko Bike Insurance online.


  1. Visit our official website. 

  2. Click on Acko General Insurance. 

  3. Click on 'Get Quote'. 

  4. Enter your bike's registration number and your mobile number. 

  5. Submit some important personal information and the particulars of your bike. 

  6. Click on 'Get Plans'. 

  7. Select an Acko Bike Insurance Plan that seems feasible to you. 

  8. If you find the bike insurance quote for the selected plan feasible, proceed with the online payment of the premium.

  9. That's it! Your bike insurance policy shall be instantly issued to you. 

How To Enhance The Coverage Of Your Acko Bike Insurance With Add-ons? 

You can enhance the coverage of your Acko Bike Insurance Policy with the selection of useful add-ons. Some of these add-ons have been listed below 


  • Zero Depreciation - With time, owing to usual wear and tear, the bike’s value decreases, and the insurer often deducts a depreciation charge on the total claim amount, at the time of settlement. With Zero Depreciation cover, you can avoid paying this depreciation cost and hence avail of the maximum cover. Additionally, it also offers to replace these worn-out parts, and pay for the cost of repairing your bike.

  • Roadside Assistance - If you happen to get stuck in the middle of the road due to a flat tyre, breakdown, a dead battery or an empty fuel tank, this add-on roadside assistance will help you with such on-road emergencies.

  • Engine Protect -  This add-on cover offers compensation for any damage to your bike’s engine. Thus, you can avoid paying for repairs or replacement of your bike’s engine.

What Is Covered In Your Acko Bike Insurance Policy? 

Before purchasing Acko Two-Wheeler Insurance, you must be mindful of what is covered under the policy. Here is a list of the damages that are covered under your Acko Bike Insurance Policy. 


  • Damages caused by accidents - Predicting accidents is nearly impossible. However, in the unfortunate event of the same, your Acko Two-Wheeler Insurance will protect your bike from all damages caused due to the accident.

  • Damages caused by fire - Any damages caused due to fire, such as explosion, lightning and self-ignition are covered by the Acko Two-Wheeler Insurance.

  • Damages caused by natural disasters - The Acko Two-Wheeler Insurance also covers damages caused to the bike due to natural calamities such as floods, earthquakes and riots.

  • Third-party liability - This policy also covers costs pertaining to injury or death of third-party persons, and even damage to third-party property.

  • Death and Disability Cover for the bike's owner - In the unfortunate event of an accident, the Acko Two-Wheeler Insurance accounts for costs pertaining to the death or disability of the bike owner.

  • Theft of the bike - The Acko Two-Wheeler Insurance also provides indemnity against theft of the bike and offers compensation for the same.

What Is Not Covered In Your Acko Bike Insurance Policy? 

In addition to knowing what is covered under your Acko Bike Insurance, it is pivotal to know what is not covered under it. Here is the list of damages that are not covered under your Acko Bike Insurance Policy.


  • Non-accidental damages to your bike

  • Damages to tyres, engine, or the tube of the bike 

  • Damages sustained by your bike due to you driving under the influence of alcohol or drugs 

  • Damages caused outside the geographical boundaries of India 

  • Damages caused to your bike while your bike insurance policy is inactive or lapsed

Add-on Covers 

The Acko two-wheeler insurance plans offer coverage for general damages or loss incurred to the bike, however, there are various other small expenses of the two-wheelers that need to be taken care of.  The add-on covers are those special benefits that policyholders can include in their Acko bike insurance plans and enjoy maximum benefits by paying a little extra. Some of the most beneficial add-ons cover that one should include in their Acko bike insurance plans are -


  • Zero Depreciation Cover - Over time and usage, the value of vehicles gets depreciated due to wear and tear. The zero depreciation cover does not allow the insurance companies to deduct depreciation value from the claim amount to ensure that the policyholder gets the maximum claim settlement amount for the repair or replacement of damaged or lost parts of the bike.

  • Emergency Cover - In case of any breakdown or accident of the bike on the highway or any outstation location, the Acko bike insurance emergency cover will offer compensation for the incurred expenses.

  • Engine Protection - This add-on cover takes care of the bike’s engine. The policyholder can get reimbursement for expenses related to the engine like lubrication, damage to the part, etc. 

  • Consumable Coverage - Those minor expenses in the bike like brake oil, grease, etc. that generally are not taken into consideration can be reimbursed via consumable coverage, however, this add-on benefit does not offer any financial aid on fuel refills.

How To File A Claim On Your Acko Bike Insurance Policy? 

It is easy to file a claim under your Acko Bike Insurance Policy. You just have to follow the steps mentioned below-


  • Visit our official website. 

  • Go to the Acko Bike Insurance page. 

  • Select 'Register a Claim'. 

  • Upload a picture of the damages caused to your bike. 

  • Let the insurer analyse and evaluate the damages caused to your bike. 

  • Await the settlement of your bike insurance claim after the Acko bike insurance review.

  • Get the required repairs done to your bike. 

We Are Here To Help You 

Should you encounter any issues while purchasing your Acko Bike Insurance Policy or filing a claim on the policy, then you can reach out to our team via phone (020-66399444) or email ( 


Also, Learn About - Available Bike Insurance Plans on Bajaj Markets

FAQs on Acko Bike Insurance

  • ✔️How many types of bike insurance policies can I buy from Acko?

    You can purchase two types of bike insurance policies from Acko, namely:

    • A third-party bike insurance policy 

    • A comprehensive bike insurance policy

  • ✔️Can I purchase add-on covers with my Acko Bike Insurance Policy?

    Yes, you can purchase add-on covers with your Acko Two-Wheeler Insurance Policy. Some of these add-on covers are as follows -

    • Zero Depreciation Cover 

    • Engine Protect Cover 

    • Roadside Assistance Cover

  • ✔️Can I file a claim on my Acko Two-Wheeler Insurance Policy online?

    Yes, absolutely! You can file a claim on your Acko Two-Wheeler Insurance Policy online by visiting our website and going to the Acko Bike Insurance Page. You can register your bike insurance claim online by submitting pictures of the damage caused to your bike.

  • ✔️What are some of the factors I should consider while selecting a two-wheeler insurance policy?

    While selecting a two-wheeler insurance policy, you must consider several factors, such as -

    • Your bike insurance requirements 

    • The bike insurance claim settlement ratio of an insurer 

    • The coverage offered by a particular bike insurance policy 

    • The premium of a particular bike insurance policy, etc.

  • ✔️ What is Insured Declared Value in two-wheeler insurance?

    The Insured Declared Value (IDV) of a two-wheeler is the maximum sum insured that an insurer can offer for your bike insurance policy. This value is the prevailing market value of your bike and is arrived at after accounting for the depreciation accumulated on the vehicle. In the case of a total loss event involving your bike, for instance, theft or irreparable damage, the insurer will provide you with the IDV of the bike as compensation.

  • ✔️What is IDV in insurance for bikes?

    IDV stands for Insured Declared Value. It is the current market value of the insured bike by taking various factors into consideration like geographical location, age of the bike, model of bike, etc.

  • ✔️ Is a higher Insured Declared Value better?

    It is a myth that  quoting a higher Insured Declared Value leads to higher coverage during claim settlements, however, the truth is Acko Bike insurance or any other insurance provider takes the ideal IDV value of the insured bike into consideration and then sanctions the claim amount. Therefore, it is advisable to quote the ideal IDV in bike insurance.

  • ✔️What should I do if my bike is stolen?

    In case your bike is stolen, file an FIR at the nearest police station. Contact the insurance provider regarding the situation. Submit a copy of the FIR  along with the claim settlement request to the insurance provider. Once the Non-traceable certificate is issued by the police, the insurance company will sanction the claim amount.

  • ✔️ What amount would I acquire in case of theft?

    In situations of theft, Acko bike insurance subtracts the deductibles and depreciation amount from the IDV and disburses the remaining IDV amount to the policyholder.

  • ✔️What occurs if my vehicle is not insured against third-party liability?

    If a vehicle is not insured against third-party liability, then the vehicle owner is eligible for legal implications in an accident apart from compensation for the damages.