Acko Car Insurance

About Acko Car Insurance

Acko is a new-age digital insurance company that offers a range of insurance products for the modern consumer. One of their flagship offerings is Acko car insurance, which is specifically designed to meet the needs of car owners in India.

The policy is available exclusively online, making it incredibly convenient for customers to purchase and manage their policy from the comfort of their own homes.

With Acko car insurance, customers can enjoy a wide range of benefits, including comprehensive coverage against accidents, theft, and third-party liability. The policy also includes add-on covers like zero depreciation, engine protection, and roadside assistance, which can be customised to suit the individual needs of the customer.

In addition, Acko offers cashless servicing at a network of over 3,500 garages across India, ensuring that customers can get their cars repaired quickly and hassle-free.

Key Features and benefits of Acko Car Insurance Online

Acko Car Insurance Online is a popular choice for car owners in India due to its wide range of features and benefits. Here are some of the key features and benefits of Acko Car Insurance Online:

• Easy documentation process: Acko Car Insurance Online offers a hassle-free documentation process, which saves time and effort for car owners.
• Quick claims settlement: The company offers a speedy, efficient claims settlement process, ensuring that customers receive their claim amount promptly.
• Affordable premiums: Acko Car Insurance Online offers competitive premiums that are affordable for car owners.
• Comprehensive coverage: The policy offers comprehensive coverage, including third-party liability, own damage, and personal accident cover for the owner-driver.
• Cashless claim settlement: Acko Car Insurance Online offers cashless claim settlement at network garages across India, making it easy for car owners to get their vehicles repaired without worrying about expenses.
• No processing fee: Acko Car Insurance Online does not charge any processing fee for policy purchase or renewal, which is a significant cost-saving for car owners.
• 24x7 customer support: The company provides round-the-clock customer support, ensuring that customers can get their queries and concerns addressed at any time of the day.

Acko Car Insurance Add-Ons

When it comes to car insurance, having a basic policy is a must, but sometimes it's not enough. That's where add-ons come in. Acko, one of the leading insurance companies in India, offers a range of add-ons that can help you customise your car insurance policy to fit your unique needs.

Here are some of the most popular add-ons available with Acko Car Insurance:

• Zero Depreciation Cover: This add-on covers the cost of the replacement or repair of car parts without any depreciation deduction. It is particularly useful for new cars or vehicles that are less than 5 years old.
• Roadside Assistance Cover: With this add-on, you can avail of services such as fuel delivery, flat tyre change, battery jumpstart, and towing in case your car breaks down on the road.
• Engine Protection Cover: This add-on covers the repair or replacement cost of your car's engine and its parts in case of damages due to waterlogging, oil leakage, or any other mechanical or electrical failure.
• NCB Protection Cover: NCB stands for No Claim Bonus, which is a discount on the premium amount offered by insurance companies to policyholders for not making any claims during the policy period. This add-on ensures that you do not lose your NCB discount even if you claim during the policy period.
• Consumable Cover: This add-on covers the cost of consumables such as engine oil, brake oil, coolant, and other fluids that need to be regularly replaced during the repair of your car after an accident.
• Personal Belongings Cover: This add-on covers the loss or damage to your personal belongings kept inside the car, such as a laptop, mobile phone, or any other valuable item.
• Return to Invoice Cover: In case of theft or total loss of your car, this add-on covers the difference between the insured declared value and the invoice value of your car.

These are some of the popular add-ons available with Acko Car Insurance. By adding these to your basic policy, you can enhance the coverage and protection offered by your car insurance policy.

It's important to note that the cost of add-ons varies depending on the type of add-on and the make and model of your car. So, before opting for any add-ons, it's recommended to carefully evaluate your needs and budget.

Acko Car Insurance Claim

Filing a car insurance claim can be an intimidating process, but it is crucial to understand how to do it to avoid any financial or legal troubles.

Car accidents, theft, and damages due to natural calamities are a few scenarios that can lead to raising a claim request. Therefore, it is essential to be aware of the procedures to follow while filing a claim.

How to file a car insurance reimbursement claim?

Acko Car Insurance provides its customers with multiple avenues to file a reimbursement claim, such as its website, mobile app, and even via phone. To file a claim, you must follow these simple steps:

• Notify Acko Car Insurance as soon as possible after the accident or damage occurs.
• Provide necessary details, including the policy number, vehicle number, and contact information.
• Fill out the claim form and submit it with all the relevant documents.
• Await the surveyor's visit to assess the damage.
• If the claim is approved, the payment will be made to your account directly.

Documents required for cashless and reimbursement claims

For cashless claims, you need to provide their insurance policy, registration certificate, driving licence, and a copy of the FIR (in case of an accident). For reimbursement claims, the same documents need to be submitted, along with the original bills, repair invoices, and payment receipts.

Acko Car Insurance Claim Rejection Reasons

Acko car insurance claims may be rejected if the claim does not meet the policy terms and conditions. Here are some common reasons why Acko car insurance claims may be rejected:

• Non-disclosure of previous damage or accidents at the time of purchasing the policy.
• Driving under the influence of alcohol or drugs.
• Invalid or expired driving licence.
• Driving outside of the geographical limits mentioned in the policy.
• Using the vehicle for commercial purposes.
• Non-compliance with policy terms and conditions such as not informing Acko immediately after the accident or not filing a police report.
• If the damage is caused due to activities not covered under the policy such as war, nuclear risks, or deliberate actions.
• If the policy has expired at the time of the accident or claim.
• If the claim amount exceeds the sum insured or IDV of the vehicle.
• If the damage is caused due to mechanical or electrical breakdowns.

It is important to read and understand the policy terms and conditions before purchasing Acko car insurance and to ensure that all necessary documents and information are provided at the time of filing a claim to avoid claim rejection.

Acko Car Insurance No Claim Bonus

Acko Car Insurance offers a no-claim bonus to its customers for not raising any claims during the policy term.

The bonus ranges from 20% to 50%, depending on the number of claim-free years.

The eligible customers can avail of this bonus at the time of policy renewal, and it reduces the payable premium amount.

Acko Car Insurance Premium Calculator

A car insurance premium calculator is an online tool that helps you calculate the premium you need to pay for your car insurance policy. It takes into account factors such as the make and model of your car, its age, your location, and your driving history, among others, to give you an estimate of your insurance premium.

Using a car insurance premium calculator is simple. All you need to do is provide the required information about your car and your driving history, and the calculator will generate an estimate of your insurance premium.

This estimate will help you compare different car insurance policies and choose the one that best fits your budget and needs.

Benefits of Using a Car Insurance Premium Calculator

There are several benefits of using a car insurance premium calculator. Some of the key ones include:

• Saves Time and Effort: Calculating car insurance premiums manually can be a time-consuming and tedious process. With a car insurance premium calculator, you can get an estimate of your premium in minutes, without having to fill out lengthy forms or visit an insurance agent.
• Helps You Make an Informed Decision: By providing you with an estimate of your insurance premium, a car insurance premium calculator helps you make an informed decision when choosing a car insurance policy. You can compare different policies based on their premium, coverage, and other factors, and choose the one that best fits your needs.
• Accurate Estimates: A car insurance premium calculator takes into account several factors that can impact your insurance premia, such as your driving history and location. This ensures that the estimate you receive is accurate and reflective of your unique circumstances.
• Saves Money: By helping you compare different car insurance policies, a car insurance premium calculator can help you find a policy that fits your budget. This can potentially save you money in the long run, as you can avoid paying for unnecessary coverage or overpaying for your policy.

Acko Contact Details

If you're looking for information on how to contact Acko, a leading insurance provider in India, here's what you need to know.

You can visit their official website to learn more about their products and services.

If you need to speak with a customer care representative, you can call their toll-free number at 1-800-266-2256. Their team is available to assist you with any questions or concerns you may have regarding your insurance policy.

Note: The contact details mentioned above are subject to change. Please check the Acko car insurance website for the latest information.

Acko Car Insurance Policy Document

When it comes to purchasing car insurance, it is crucial to understand the terms and conditions of the policy. The policy document contains all the details about the coverage, exclusions, terms and conditions, and other important information related to the insurance policy.

It serves as a legal contract between the policyholder and the insurance company, and thus, it is essential to read and understand the policy document thoroughly.

The policy document captures various details related to the insurance policy, such as the policy number, policy period, coverage details, premium amount, deductibles, terms and conditions, exclusions, and other important information.

The policy document is a crucial document that serves as proof of insurance and contains all the necessary information that the policyholder may require at the time of a claim settlement.

How to Download Acko Car Insurance Policy Online Using Policy Number?

If you have purchased Acko Car Insurance, you can easily download the policy document online using your policy number. Here are the steps to follow:

• Visit the official website of Acko General Insurance

• Click on the 'Login' button and enter your policy number and other details

• Once you are logged in, go to the 'Policy' section and click on 'Download Policy Document'

• Your policy document will be downloaded in PDF format

How to Get a Hard Copy of Acko Car Insurance Policy?

If you prefer to have a hard copy or physical copy of your Acko Car Insurance policy, you can request the same by following these steps:

• Visit the official website of Acko General Insurance

• Click on the 'Contact Us' section and select 'Request for Policy Copy'

• Enter your policy details and provide your address for the delivery of the policy document

• Acko General Insurance will process your request, and you will receive the hard copy of your policy document at your registered address

How Can I Make Changes In My Acko Car Insurance Policy Document?

If you wish to make changes to your Acko Car Insurance policy document, you can do so by following these steps:

• Visit the official website of Acko General Insurance
• Click on the 'Contact Us' section and select 'Request for Policy Servicing'
• Select the option for the kind of change you wish to make, such as adding a new coverage, changing the policy period, or modifying the personal details
• Fill in the required details and submit the request

• Acko General Insurance will process your request and update the policy document accordingly

Acko Car Insurance Renewal

Renewing your car insurance is essential to ensure that you remain protected on the road. Acko Car Insurance provides a quick and easy renewal process for existing policyholders, along with several benefits.

The timeline for renewal with Acko Car Insurance is typically around 30 days before the expiration of your current policy. Renewing early helps to avoid any lapse in coverage and ensures that you are protected at all times.

Benefits of renewing your car insurance with Acko include comprehensive coverage, 24/7 customer support, and a hassle-free claim process. In addition, Acko offers various add-ons like zero depreciation cover, roadside assistance, and engine protection to enhance your coverage.

Renewing your policy with Acko is a simple process that can be done online through their website or mobile app. You can easily select the policy options that suit your needs, upload your documents, and make the payment using a secure payment gateway. Once the payment is processed, your renewed policy documents will be emailed to you.

Acko Third Party Car Insurance

When you buy a car in India, having an insurance policy is mandatory. There are two types of car insurance policies - comprehensive and third-party. Comprehensive car insurance covers your vehicle as well as third-party liabilities, while third-party car insurance only covers third-party liabilities.

• Third-party car insurance is important because it protects you from financial losses that may arise if you cause damage to someone else's vehicle or property.

• It also provides coverage for any injuries or death caused to the third party due to the accident. In such a scenario, the insurance company pays for the damages incurred by the third party on your behalf.

Acko Third-Party Car Insurance Coverage

When it comes to Acko's third-party car insurance coverage, it offers comprehensive coverage for third-party liabilities. This includes damages to the third party's vehicle or property, as well as any injury or death caused due to the accident. The policy also covers any legal liabilities that may arise due to the accident.

In addition to the basic coverage, Acko also offers add-on covers that can be purchased for enhanced protection. These include personal accident cover for the owner-driver, protection against natural calamities, and protection against theft and vandalism.