Car Insurance

To claim car insurance from our website, you need to just log in to your account on our website or app and click “Register a Claim” to initiate the process.

Your first action to initiate a claim is to either log in to your ACKO account or contact us.

To raise a claim, a First Information Report (FIR) might not always be required. In some rare cases, like car theft, you may need to file an FIR. You are not required to file an FIR if the claim is for minor accidents. It depends from case to case. But don’t worry, our claims team will help you at every step.

The time taken for a claim to be settled will vary depending on the extent of the damage. Most of the claims managed by us are settled within 3 working days (in select cities). For minor claims, we offer instant claim settlement. Be it a minor claim or a major one, our team strives to settle every claim as fast as possible.

Cashless claims refer to a claim type where the approved garage bill for car repairs is settled directly between us and the garage. We will get the car repaired, you just have to pay a fixed amount under deductibles and the amount that’s not covered by us.

Car insurance is a dedicated insurance policy to cover financial losses in case of third-party liabilities, accidents, natural disasters, fire, theft, etc. (as per the coverage terms). Buying insurance for four wheeler also helps you comply with the law, as insuring your car is a legal requirement in India.

Comprehensive car insurance plan is the best as it covers both third-party liabilities and damage to the vehicle. On the other hand, a third-party insurance plan only covers third-party liabilities.

Comprehensive car insurance plan is the best as it covers both third-party liabilities and damage to the vehicle. On the other hand, a third-party insurance plan only covers third-party liabilities.

You can check the availability of insurance for a car on our website by scrolling up at the top of this page and using the space to enter your car number. If you don’t find the right insurance for your car, please call 1800 266 2256 or drop an email at [email protected], and we will help you out.

To get a duplicate car insurance policy, you can simply log in to your account on our website/app and download your policy document.

To find your car insurance policy number, you need to take a look at the policy document. If you want to get in touch with us, you can contact us, and we will assist you.

A Comprehensive Car Insurance Policy is best suited for an old car as it covers damages incurred to the vehicle due to accidents, natural/man-made disasters, fire accidents, thefts, etc.

TP in car insurance refers to Third Party or Third-party car insurance coverage.

Yes, it is safe to buy car insurance online from online insurance providers like ACKO. Moreover, buying online insurance for car saves you a lot of time, and you can get the policy instantly after completing the online payment.

You can renew the expired policy within 90 days from the policy expiry date (existing). Post that period, you must purchase a new insurance policy. Renewing a policy is quick, simple and hassle-free at ACKO. All you need to do is provide the previous policy details and the vehicle details.

As per law, a Third-party Car Insurance Policy is compulsory for a new car. However, it only covers third-party liabilities. For own-damage coverage, you must purchase the optional Comprehensive Car Insurance Policy.

As per law, a new car must be insured with a three-year third-party coverage plan. However, the comprehensive coverage is optional. Typically, a comprehensive plan is valid for one year, but you can also buy a long-term plan for more than one year.

The car insurance price depends on various factors like the car’s make/model, age of the vehicle, the plan you choose, geographical location, etc. Hence, it’s best to get a quote before you buy the insurance to determine the price of the plan.

When buying new car insurance, it is always better to go for a comprehensive plan that provides maximum coverage, including third-party and own damage coverage. Moreover, it is mandatory to buy three-year third-party and one-year own damage coverage when you buy a new car.

The new car insurance cost depends on factors like the car make and model, the add-ons you choose, geographical location, etc.

A comprehensive car policy is better for a car as it provides third-party liability and own damage coverage.

A car policy is nothing but a car insurance plan that offers third-party, own damage, or both coverages, depending on the plan you buy.

Auto insurance, popularly known as motor insurance, is a type of insurance policy that provides coverage for all motor vehicles, like two-wheelers, cars, etc. A third-party insurance policy is an example of auto insurance.

Yes. You can buy car insurance online from ACKO within a few minutes. Provide your car details to explore our vehicle insurance plans and buy instantly without any paperwork.

If you lose your policy, you can log in to the ACKO account on our website/app and download the policy from there. You can also find the car insurance online document in the registered email inbox.

To calculate the car insurance premium, insurers use certain parameters like your car's model, manufacturing year, location of registration, type of insurance coverage, number of add-ons, etc. You do not have to calculate all this manually. We will do that for you. Simply scroll up to the widget, input information, and get free car insurance quotes online.

Yes, your premium will increase even if you choose only one add-on. Thus, you should choose the add-ons depending on what you need your insurance to cover. They usually pack in a lot of benefits at marginally extra cost.

Yes, the premium will decrease if you opt for a lower Insured Declared Value. But remember that the insurer pays the IDV as the claim amount in case of theft or total loss. So setting a lower value might not be fruitful.

No, it is not possible to pay the car insurance premium on EMI. This is not allowed as per the insurance regulator. Under Section 64VB of The Insurance Act, 1938, insurers shall not assume any risk unless the premium is received in advance.

Car insurance premium does not get cheaper for a couple. The premium depends on the make and model of the car, car's IDV, type of insurance policy purchased (Third-party or Comprehensive), add-ons purchased, location, car's age, and many more factors.

You need to buy a car insurance policy if you drive a different uninsured car. Note that it is mandatory to buy at least a Third-party Car Insurance Policy to drive your car on the Indian roads.

To check your car insurance policy status, you can go through the policy document. The start date and the end date denote the active policy period. Both these dates are mentioned in the policy document. Ensure to complete car renewal before the expiry date to avoid traffic fines and get continuous coverage.

The meaning of the Zero Depreciation Add-on in car insurance is that it is an additional cover through which you can get a higher claim amount as the depreciation on your car is not considered. During claim settlement, depreciation amount will not be considered, but it will be considered without this add-on.

The meaning of deductible is that you pay a part of the repair bill (generally a negligible, fixed amount) during claim settlement. It is the amount you pay while settling a claim. The insurance company will bear the rest of the approved amount.

There are two types of deductibles — Compulsory and Voluntary. Under Compulsory Deductible, you pay a nominal amount on every claim. Voluntary Deductible works a bit differently. Here you choose to pay a fixed amount (apart from the Compulsory Deductible) during claim settlement.

Going for a Voluntary Deductible can reduce the car insurance premium. But you might be required to pay a significant amount of the repair bill during claims.

Exclusion in a car insurance policy refers to a situation where you cannot raise a claim against the policy. If you do, your claim will get rejected.

If there are a higher number of passengers in the insured car than the allowed limit (as per the car’s registered sitting capacity) and it encounters an accident, then the claim can be rejected based on the applicable terms and conditions. A high number of claims may lead to rejections during car insurance renewal as well.

Under our policy, car insurance does not cover previous damage. Your claim can be rejected in such cases. During the car insurance renewal process, if we inspect a car, we mention pre-existing damage on the policy document. You can refer to it before raising a claim.

To renew insurance online, you can scroll up and enter the necessary details or download our app.

Following are some things to remember when you renew or buy a four wheeler insurance policy online.

• Analyse your requirements before completing the car insurance policy renewal.

• Go through the respective policy wordings for detailed terms and conditions.

• During car insurance online renewal, buy only suitable add-ons that will add value to your policy.

The time taken to buy/renew a car insurance policy online from us is just a few minutes. If you have all the data handy, it will take less than two minutes to buy or renew the policy online.

If you buy or renew a car insurance policy online, you should get your policy document within minutes of making the payment.

Yes, it can be cheaper to buy or renew a car insurance policy online compared to an offline process. We follow a digital-first approach and a direct-to-consumer model. We don't have to hire or manage a large army of middlemen or deal with cumbersome paperwork. 

We can escape hefty commissions paid to the intermediaries, and we manage with low operating costs. Hence, we can pass on these savings to our customers through discounts and offers on the premium. If you have an NCB your premium reduces even further during car policy renewal.

Ultimately, the premium our customers pay reduces. Thus, we can provide high-quality services at a cheaper cost.

The cost of car insurance policy renewal is based on the car’s Insured Declared Value (IDV), year of manufacture, location, and make/model. Also, Third-party rates for cars are calculated by the IRDAI based on the vehicle’s engine capacity.

Renewal in car insurance refers to a situation when you get the policy term extended to get continued coverage.

Yes, with Acko, you can renew your car insurance plan online. 

Car insurance policy renewal date is typically 15-30 days before the policy expiry date. 

You can renew car insurance after expiry only within the grace period, otherwise, you will have to buy a new policy.