Acko vs Digit Car Insurance: Which Is Better in 2026?

If you've been searching Acko vs Digit car insurance — which is better, you're not alone. Both are digital-first insurers that have disrupted India's motor insurance market with app-based buying, low premiums, and faster claims. But they are not the same product, and choosing the wrong one can leave you short at the worst possible time.

This guide breaks down the two insurers on every metric that actually matters — claim settlement, garage reach, add-ons, pricing, and app experience — so you can make a confident call before you renew or buy your next car insurance policy in 2026.

Acko vs Digit Car Insurance: At a Glance (2026)

Before going deep, here's a quick side-by-side of the headline numbers you need to know.

Parameter	Acko	Digit
Claim Settlement Ratio	General/motor insurers don't publish a standardised own-damage CSR split the way life insurers do — see the section below on how to check current figures yourself.
Cashless Garage Network	Large, expanding network	Large, established network
Third-Party Premium (up to 1,000 cc)	₹2,094 (IRDAI fixed)	₹2,094 (IRDAI fixed)
Key Add-ons	Zero Dep, Engine Protection, RSA, Consumables, NCB Protect	Zero Dep, Return to Invoice, Engine & Gearbox, Tyre Protect, RSA, Consumables, Daily Conveyance
Inspection Method	App-based / digital	Smartphone self-inspection
Pickup & Drop for Repairs	Yes (major cities)	Yes (most cities)
Policy Type	100% digital / D2C	100% digital / D2C
Regulator	IRDAI	IRDAI

Third-party premiums are set by IRDAI (₹2,094/year up to 1,000cc for FY2026-27, plus 18% GST) and are identical across all insurers. OnePaisa does not carry live own-damage premium-quote data for either insurer — get current OD pricing directly from Acko or Digit's own calculator.
Source: Insure24, "Third-Party Car Insurance Premium Rates: IRDAI Rate Table by Engine Capacity" — insure24.com

Claim Settlement: Who Pays Out More Reliably?

The claim settlement ratio (CSR) is a widely cited number when comparing insurance providers — but a caveat matters here: IRDAI publishes a detailed, standardised CSR breakdown for life insurers every year; for general/motor insurers, a comparable own-damage-specific or motor-specific breakdown is not published in the same consistent format, and third-party aggregator figures for this metric vary depending on methodology and period.

Acko General Insurance's own claim settlement ratio disclosure (company-level, not motor-specific) has been reported at approximately 93.29%. We could not independently confirm a motor- or own-damage-specific figure for either Acko or Digit against a primary IRDAI source at the precision this comparison would need — so rather than repeat an unverifiable split, we recommend checking each insurer's current claim settlement disclosure directly before you decide.
Source: Beshak, "Acko General Insurance Claim Settlement Ratio" — beshak.org

Verdict: Both are IRDAI-regulated insurers that publicly report their claims data — check each insurer's current disclosure (linked from their website or the IRDAI policyholder portal) rather than relying on a single comparison figure, since methodology and reporting periods vary by source.

Garage Network: Where Can You Get Cashless Repairs?

Cashless repairs mean the insurer pays the garage directly — you only cover any applicable deductible. The size and spread of the network matters most if you live outside a metro.

Digit maintains a cashless garage network spread across India, with doorstep pickup and drop available in most cities. We could not confirm a single up-to-date total garage count against a primary source — network size figures vary by aggregator and change over time — so check Digit's current network list for your city before buying.

Acko has been actively expanding its cashless-repair network garages (announced expansion, February 2025), and its distinguishing feature is a pickup-and-repair service model in major cities: instead of you driving to a garage, Acko picks up the car, gets it repaired, and delivers it back.
Source: PR Newswire, "ACKO's Cashless Repair Service is Now Available at Network Garages" — prnewswire.com

Verdict: Both maintain substantial cashless networks; if you're outside a metro, check each insurer's current garage locator for your specific city rather than relying on a total-count comparison. Acko's pickup model suits metro drivers who value convenience over network browsing.

Insured Declared Value (IDV): What to Know

For third-party cover, the premium is fixed by IRDAI regardless of which insurer you choose — it's ₹2,094 per year (plus 18% GST) for cars up to 1,000 cc. Neither Acko nor Digit can undercut each other here. OnePaisa does not carry live own-damage premium-quote data for either insurer, so we don't compare their comprehensive pricing here — get a current quote directly from each insurer's own calculator for your specific car.

Both insurers let you adjust the Insured Declared Value (IDV) within the range IRDAI permits. Setting a lower IDV cuts your premium but reduces your payout if the car is totalled or stolen — so don't drop it just to save a few hundred rupees.

You can use OnePaisa's car loan calculator if you're simultaneously financing a new car, to factor your EMI alongside the insurance cost.

Add-Ons: What Extra Cover Can You Buy?

Add-ons are optional riders that plug the gaps in a standard comprehensive policy. This is where the two insurers differ most in terms of flexibility.

Acko's add-on menu includes:

• Zero Depreciation Cover — ensures you receive the full repair cost without deduction for part depreciation
• Engine Protection Cover — covers engine and gearbox damage (e.g., hydrostatic lock during floods)
• Roadside Assistance (RSA) — 24×7 help for flat tyres, dead batteries, and towing to the nearest garage (distance limit set per the policy schedule, not a fixed universal figure)
• Consumables Cover — covers nuts, bolts, engine oil, and other parts excluded by default
• No-Claim Bonus Protection — preserves your NCB discount even after one claim

Digit's add-on menu includes all of the above, plus:

• Return to Invoice Cover — pays you the original purchase invoice price, not the depreciated IDV, in case of total loss or theft
• Tyre Protection Cover — covers tyre and tube damage not caused by an accident
• Daily Conveyance Benefit — pays a daily allowance while your car is being repaired
• RSA with towing up to 50 km from the accident/breakdown location, at the insurer's cost — beyond that, the customer bears the additional towing cost

The Return to Invoice add-on from Digit is worth highlighting separately. If you're insuring a car that's less than three years old, this add-on pays the original invoice price rather than the depreciated IDV in a total-loss situation — the exact gap depends on your car's age and depreciation curve, so check the difference for your specific vehicle. Acko doesn't directly match this add-on.

Verdict: Digit's add-on catalogue is broader, especially for newer or more expensive cars. Acko's add-ons are well-designed but fewer in number.

App Experience and Digital Process: How Easy Is It to Buy and Claim?

Both insurers are 100% digital and regulated by IRDAI. The buying process — enter your registration number, the system fetches your car details from the VAHAN database, select add-ons, pay via UPI — takes under five minutes on either app.

Where they differ slightly is in the claims and inspection flow. Digit's smartphone self-inspection is particularly useful at renewal time if your policy has lapsed — you photograph the car yourself rather than waiting for a surveyor, which makes a break-in renewal (after the policy has lapsed beyond the standard 15-30 day grace period) faster to process.
Source: BankBazaar, "IRDA Guidelines for Motor Insurance" — bankbazaar.com Acko handles inspections digitally too, but its primary differentiation is the doorstep pickup model — claim on the app, Acko picks up the car, delivers it repaired.

Customer support is 24×7 on both platforms. Neither insurer requires physical paperwork; policies download instantly and can be stored in DigiLocker.

Verdict: Roughly equal. Digit's self-inspection edge matters most at renewal. Acko's pickup-repair model is more convenient for in-city claims.

Acko vs Digit Car Insurance: Who Should Choose Which?

Here's a clear decision framework — because the "better" insurer depends entirely on your situation.

• Choose Acko if: you live in a metro city, prefer the doorstep pickup-and-repair model, and want to check Acko's current claim settlement disclosure yourself before deciding.
• Choose Digit if: your city isn't a major metro and you want to check Digit's current garage network for your area, you want Return to Invoice or extended tyre cover for a newer car, or you tend to renew after the policy has lapsed (Digit's self-inspection makes this easier).
• On pricing: both are digital-first insurers that typically undercut traditional insurers, but get live quotes from both for your specific car — OnePaisa doesn't carry premium-quote data for either.
• If your car is under 3 years old: Digit's Return to Invoice add-on gives you significantly better protection against total loss.

It's also worth comparing both against other motor insurance options before you commit. No single insurer is the cheapest or best-featured for every car model and city combination.

Frequently Asked Questions

Is Acko or Digit car insurance cheaper in 2026?

Third-party premiums are fixed by IRDAI at ₹2,094/year (up to 1,000 cc, plus 18% GST) for both insurers — so there's no difference there. For comprehensive own-damage cover, OnePaisa does not carry live premium-quote data for either insurer, and the actual price varies by car model, city, IDV, and add-ons chosen — always compare live quotes for your specific vehicle directly with each insurer.

Which insurer has a better claim settlement ratio — Acko or Digit?

General/motor insurers don't publish a standardised own-damage CSR split the way life insurers do, and third-party figures for this metric vary by source and methodology — we could not confirm a reliable head-to-head number for this specific comparison. Check each insurer's current claim settlement disclosure directly. Neither a high ratio nor a low one guarantees the outcome of any individual claim — the insurer assesses each claim on its merits under IRDAI guidelines.

Does Digit offer Return to Invoice cover that Acko doesn't?

Yes. Digit's Return to Invoice add-on pays you the original invoice price of your car in the event of total loss or theft, rather than the lower depreciated IDV. Acko does not currently offer a direct equivalent of this add-on, which makes Digit the better choice for owners of newer, higher-value cars.

Which insurer has more cashless garages — Acko or Digit?

We could not confirm a current, independently-sourced total garage count for either insurer at the precision needed for a direct comparison — check each insurer's live garage locator for your city. Acko compensates for network size with a doorstep pickup-and-drop service in major metros, so the practical experience differs by location regardless of raw count.

Can I switch from Acko to Digit (or vice versa) at renewal without losing my No-Claim Bonus?

Yes. Under IRDAI rules, your No-Claim Bonus (NCB) is portable — it stays with you, not the insurer. When you switch, provide your existing insurer's NCB certificate to the new insurer during renewal. Both Acko and Digit honour NCB from any IRDAI-registered insurer.

Conclusion: Make Your Decision, Then Compare Live Quotes

Both Acko and Digit are legitimate, IRDAI-regulated digital insurers with strong claim records and genuine digital-first service. Acko's standout is the doorstep repair experience in metros; Digit's standouts are its add-on variety (especially Return to Invoice) and self-inspection at renewal. Check each insurer's current claim settlement disclosure and get live premium quotes for your specific car before deciding — this article does not carry live pricing or a verified head-to-head CSR figure for either insurer.

The smarter move is not to pick a brand blindly — it's to run live quotes on both for your specific car, set a realistic IDV, select the add-ons you actually need (zero depreciation and engine protection are the two most valuable for most buyers), check each insurer's current claim settlement disclosure, and then compare the total annual cost yourself.

OnePaisa's car insurance comparison tool lets you do exactly that — see real premiums from multiple IRDAI-registered insurers side by side, including Acko and Digit, in under two minutes. While you're planning your finances, you might also find our income tax calculator and credit score checker useful for a complete financial health picture.