Acko Comprehensive Car Insurance

Key features

• ✓Fully digital direct-to-consumer car insurance (no agent)
• ✓Comprehensive cover with own damage and third-party liability
• ✓1-minute online claim intimation via app
• ✓Pickup and drop service for repairs in select cities
• ✓Zero paperwork policy issuance
• ✓Cashless claim settlement at network garages
• ✓Personal Accident cover for owner-driver of ₹15 lakh
• ✓No Claim Bonus discount up to 50%
• ✓Multiple add-on covers including Zero Depreciation
• ✓Acko-exclusive Zero Commission low-pricing model

What’s included

• ✓Accidental damage to own car
• ✓Fire, explosion, self-ignition, lightning
• ✓Theft of vehicle
• ✓Natural calamities (flood, earthquake, cyclone, storm)
• ✓Man-made disasters (riot, strike, terrorism, malicious act)
• ✓Damage during transit by road, rail, air, inland water
• ✓Third-party bodily injury, death and property damage
• ✓Personal Accident cover for owner-driver

What’s excluded

• ✕Normal wear, tear, depreciation and ageing
• ✕Mechanical or electrical breakdown
• ✕Driving without a valid driving licence
• ✕Driving under influence of alcohol or drugs
• ✕Use of vehicle outside India
• ✕War, nuclear, mutiny related damage
• ✕Consequential loss
• ✕Damage when vehicle used for unauthorised purpose

Eligibility

Min age

18 years

Covers

Self

Policy term

1 year (3-year long-term option for new cars)

IDV

Customisable IDV

NCB

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