Loading...
Loading...
ACKO Comprehensive Car Insurance combines third-party liability protection with own-damage cover for the insured car. Subject to policy wording, it can cover accidental damage, theft, fire and eligible natural or man-made calamities. Optional add-ons may be available for additional protection, depending on vehicle eligibility and the policy offered. The final premium depends on the car make and model, age, insured declared value (IDV), location, claims history, deductibles and selected covers. Obtain a vehicle-specific quote and review the policy schedule before purchasing.
Combines own-damage protection and third-party liability with optional add-ons where available
A comprehensive policy is designed for car owners who want both third-party liability and protection for their own vehicle under one policy. Compared with third-party-only insurance, it can respond to eligible damage to the insured car arising from covered accidents, theft, fire and insured calamities. Optional covers may help address specific gaps, but they are not automatically included. Check the policy schedule, deductibles, exclusions, add-on limits and claim conditions before buying. Premium comparisons should use the same vehicle details and cover selections.
ACKO
Key Insights
Founded
2016
ACKO was established 10 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
95.5% CSR, calculated as a 3-year average
ACKO settles 95.5% of all claims it receives, demonstrating strong credibility.
Contact Details
1800 266 2256
Headquarters: Office No. 301-302, 3rd Floor, F Wing, Lotus Corporate Park, Off Western Express Highway, Jay Coach, Goregaon East, Mumbai – 400063, Maharashtra, India
Covers eligible damage to the insured car caused by an accident or collision.
Subject to policy terms, deductibles and exclusions.
Provides cover for covered theft or total-loss events, with settlement based on applicable policy terms and IDV.
Claim settlement is subject to investigation and documentation.
Covers eligible damage caused by insured fire-related events.
Refer to the policy wording for exclusions and conditions.
Can cover eligible damage arising from insured events such as floods, storms or other specified calamities.
Exact insured events and exclusions are defined in the policy wording.
Covers eligible legal liability for third-party bodily injury, death and property damage arising from use of the insured car.
Subject to statutory requirements and policy terms.
May reduce depreciation deductions on eligible replaced parts during an approved claim.
Optional; availability, limits and eligibility depend on the car and policy.
May cover specified engine or gearbox damage beyond standard cover when the insured event qualifies.
Optional; confirm availability, triggers and exclusions.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
ACKO plans and claim process
It combines third-party liability with eligible own-damage cover for events such as accidents, theft, fire and insured calamities, subject to policy wording.
It depends on vehicle make and model, age, IDV, location, claims history, deductibles and selected covers.
Yes. A comprehensive policy generally combines own-damage cover with third-party liability, as specified in the issued policy.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official ACKO website before purchasing.
Official Website
acko.com
Visit the official ACKO website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
May provide a benefit linked to invoice value in defined theft or total-loss situations.
Optional; eligibility and settlement conditions apply.
No. It is an optional add-on where offered and must appear in the policy schedule to apply.
Standard cover may not cover every engine failure. Check the policy wording and whether an eligible engine-protection add-on is available.
Covered theft is generally included, subject to policy conditions, required documents and settlement terms.
Cashless repairs may be available at eligible network garages for approved claims. Availability can vary by location.
Normal wear and tear, ageing and routine maintenance are generally excluded. Refer to the policy wording for exact exclusions.
Owner-driver personal accident cover may depend on existing qualifying cover and applicable requirements. Confirm your situation before buying.
Verify the vehicle details, IDV, deductibles, selected add-ons, exclusions, claim conditions and policy dates.