Acko Two-Wheeler Insurance

Key features

• ✓Fully digital, paperless policy issuance
• ✓Direct-to-consumer model with no agent commissions
• ✓1-hour pickup and drop for repairs in select cities
• ✓Self-video claim inspection via app
• ✓Comprehensive, third-party, and standalone OD plans
• ✓Personal Accident cover for owner-driver up to ₹15 lakh
• ✓NCB up to 50% on renewals
• ✓Add-ons including Zero Dep and Return to Invoice

What’s included

• ✓Own damage from accidents
• ✓Theft of insured vehicle
• ✓Fire, explosion, self-ignition, lightning
• ✓Natural calamities (flood, earthquake, cyclone)
• ✓Man-made events (riot, strike, malicious acts, terrorism)
• ✓Third-party bodily injury and death
• ✓Third-party property damage
• ✓Personal Accident cover for owner-driver

What’s excluded

• ✕Normal wear and tear, depreciation
• ✕Mechanical or electrical breakdown
• ✕Driving under influence of alcohol/drugs
• ✕Driving without valid driving licence
• ✕Consequential loss or damage
• ✕Vehicle used outside India
• ✕Use contrary to declared purpose

Eligibility

Min age

18 years

Covers

Self

Policy term

1-year comprehensive; 5-year long-term third-party mandatory for new bikes

IDV

Customisable IDV

NCB

20% / 25% / 35% / 45% / 50% tiered