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 secured with regard to any adverse events pertaining to your bike. 

What Are the Key Features of Acko Bike Insurance? 

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

1. 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. 

2. Extensive Coverage

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

3. High Claim Settlement Ratio

With a claim settlement ratio of 98%, Acko assists in settling your bike insurance claims at the earliest.

4. Cashless Repairs

Gain from cashless repairs and file cashless bike insurance claims, with options to choose from specialised hand-picked garages to meet all your needs.

5. Seamless Claims Process

You can file a claim on your Acko Bike Insurance policy quickly through our online claims process. 

What Are The Key Benefits Of Acko Bike Insurance? 

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

1. Hassle-free Repairs for your Bike

With the purchase of 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. 

2. 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. 

3. 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. 

4. Pocket-friendly Premiums

Our policies have low premiums to provide you with the maximum coverage for your bike at minimal cost.

5. Zero Paperwork

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

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

Features and Benefits of the Plan

Type of Acko Bike Insurance Plan


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 for the purchase of 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. 

1. 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.

2. 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.

3. 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. 

1. 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.

2. 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.

3. 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.

4. Third-party liability  

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

5. 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.

6. 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.


  1. Non-accidental damages to your bike

  2. Damages to tyres, engine, or the tube of the bike 

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

  4. Damages caused outside the geographical boundaries of India 

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

Read More: Inclusions & Exclusions of Bike Insurance Cover

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-


  1. Visit our official website. 

  2. Go to the Acko Bike Insurance page. 

  3. Select 'Register a Claim'. 

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

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

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

  7. 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 the IDV of the bike as compensation.