Car Insurance Claim

Claims can be cashless or reimbursement.

For cashless claim experience: Select the city, and we will pick up your car in one hour (for select cities). You can choose from any of our partner garages to repair the car, and we will get it fixed and deliver the car back in three days. 

For reimbursement claim settlement: You can also opt for the reimbursement claim against your policy with ACKO. In this case, you need to get your car repaired at a garage of your choice and then submit invoices to ACKO. ACKO will compensate as per the terms and conditions of the policy.

For instant claim settlement: We also offer instant claim settlements for minor damages such as a damaged rear-view mirror or a dent on the bumper, and you can get it repaired at any garage of your choice.

There are chances of your claim being partially or completely rejected. It is important to inform ACKO immediately so that claims are handled according to the terms and conditions of the policy.

The term ‘totaled car’ refers to a total loss to the insured car. In case of a total loss, you will get the Sum Assured amount or the Insured Declared Value (IDV) as compensation against your insurance policy. 

The regular comprehensive cover does not provide coverage for engine repair. However, you can opt for the Engine Protect add-on cover. ACKO will reimburse the repair cost of the engine due to water ingression or due to oil leakage if you purchase the Engine Protect add-on.

Yes, you can raise a claim through the Own Damage cover, which is part of the comprehensive car insurance policy. Under this cover, you will be compensated for damages to your case in case of accidents, fire, theft, natural calamities like cyclone, earthquake, or riots. 

You can log in to your account on ACKO.com or ACKO app to register your claim against the policy. You can also call our toll-free number: 1800 266 2256, or you can email us at [email protected].

It’s a process wherein you get compensation for the accidental damage sustained by the insured vehicle or for the losses to the third-party property/life. After reviewing the claim for its validity, you get compensation for the damages/losses based on the terms and conditions of the policy.

For minor repairs such as scratches or negligible dent, it is not advisable to file a claim since you will lose the No Claim Bonus (NCB) discount while renewing the policy. File a claim only if the repair cost is greater than the NCB.

No, it does not. The renewal premium for your car is based on the age, location, model, and variant and based on the number of claims you raise. However, raising a claim during the policy period will result in the cancellation of the NCB discount, which helps in reducing the renewal premium amount. If you raise several claims during the policy period, there are chances that the renewal premium can increase.

Yes, you can opt for the reimbursement claim process. You need to inform us before you repair your car at the garage of your choice so that we can make a note of the same. Submit the original invoices or cash receipts of the repair, and we will reimburse the bill as per the terms and conditions of the policy.

You can visit ACKO.com or use the ACKO app to raise a claim or to learn more about our car insurance claims. You can also call our customer care team on 1800-266-2256 or write an email to [email protected] for any queries.

No, you do not need to report an FIR for your motor insurance claims except it involves injury to someone else, damage to someone else’s property, or in case your car is stolen.

There is no limitation to the number of car insurance claims you can register during the policy period. But, you need to note that claims are restricted up to the sum insured mentioned in your car insurance policy and subject to the policy’s terms and conditions.

Sometimes registering a car insurance claim is not the most effective solution though it may seem appropriate. This is because it will impact the premium of your car insurance plan. Make sure you consider the below factors before you raise a motor insurance claim.

• Depreciation: Cars depreciate over time because of the regular wear and tear of parts. Due to this factor, the car’s value reduces. As a result, insurers do not compensate you fully in case of replacing a vehicle part. You are compensated as per the depreciated value as per the terms and conditions of the policy.

• NCB (No Claim Bonus): When you don’t raise any claims during the policy period, your insurer awards you with a discount on the renewal premium known as No Claim Bonus or NCB. Hence, if you raise a claim, you will lose the discount. Therefore, submit claims only for significant damages and not for minor damages.

• Deductibles: There are two types of car insurance deductibles, Compulsory and Voluntary. You need to pay a portion of the claim settlement amount in both situations. Raising a claim for a lesser repair bill than the deductible amount leads to a higher payout from your pocket. You must submit a claim when your repair bill is significantly higher than the deductible amount.

You may be able to cancel your claim against your car insurance policy; however, it depends on the terms and conditions. You must check the time limit to cancel a car insurance claim with your insurer.

You should submit a claim only when it is necessary. Raising claims for minor damages can be counterproductive and may affect your NCB. Whether you raise a claim just before renewing your car insurance policy or anytime during the policy period, it is wise to submit claims for damages that are substantial.

You can raise your claim from the policy commencement date subject to the terms and conditions of your policy.

Once you buy car insurance for your vehicle, it is insured. A motor vehicle must be insured with the Third-party Liability Policy before driving on public roads. It is wise to opt for the Comprehensive Policy since it offers wider coverage.

All car insurance claims are settled by the insurance company based on the terms and conditions of the stated policy.

Here are some of the situations when your insurer may reject your car insurance claim.

• Found driving the car without valid documents (Driving License, Car Insurance Registration Certificate, etc.)

• Found driving the vehicle in an intoxicating state

• Driving the car in a reckless manner

• Use of car for racing purposes

• Damages or losses incurred outside the specified geographical limits

• Mechanical or electrical breakdown

• Usage of private car for commercial purposes

• Damages or losses due to self negligence

• Fraudulent claims

• Driving a modified car without informing your insurer

• Delay in claim intimation

• Violation of terms and conditions of your policy

• Not renewing the policy within the due date

• Disobeying traffic rules and regulations

• Non-cooperation with the insurer

The insurance companies require an FIR in cases where the car is stolen or is damaged due to an accident, including third-party or significant accidents.

Yes, you have to bear the compulsory and voluntary deductible (if you have opted for the same). Additionally, insurers take into consideration the depreciation of the parts being replaced. Hence, you have to bear the depreciation cost from your pocket unless you have opted for relevant add-ons.

Apart from third-party liabilities, the Comprehensive Car Insurance Policy also covers damages or losses incurred by the insured car. It includes damages incurred due to an accident, natural or man-made calamities, fire, explosion, vehicle theft and total loss. You also have access to add-on covers that extend the standard plan’s coverage.