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ACKO Comprehensive Two-Wheeler Insurance combines own-damage protection for the insured bike or scooter with third-party liability cover. Subject to the policy wording, it can cover accidental damage, theft, fire and specified natural or man-made calamities. Third-party cover addresses eligible legal liabilities arising from injury, death or property damage caused to others. Actual protection depends on the selected policy variant, insured declared value (IDV), deductibles, exclusions and policy schedule. Optional add-ons may be available at an additional premium.
Protection against covered accidents, theft, fire and specified calamities
A comprehensive policy can help protect both the insured two-wheeler and its owner against covered third-party liabilities. Before buying, compare the IDV, deductibles, depreciation deductions, add-on eligibility, repair arrangements and claim conditions. Accidental damage and theft claims remain subject to policy terms and documentation. Premiums are vehicle-specific, so obtain a quote for the exact vehicle and review the issued policy schedule.
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 accidental damage to the insured two-wheeler.
Deductibles, depreciation and exclusions may apply.
Covers eligible vehicle theft subject to the policy conditions.
Settlement depends on IDV and required documentation.
Covers eligible loss or damage arising from covered fire-related events.
Refer to the policy wording for exclusions.
May cover eligible damage caused by specified floods, storms or other covered calamities.
The event must fall within the policy coverage.
Covers eligible legal liability arising from injury, death or property damage caused to others.
Applicable statutory limits and policy conditions apply.
Where offered and selected, may reduce eligible depreciation deductions on replaced parts.
Availability, eligibility and additional premium must be confirmed in the quote.
Where offered and selected, may cover specified engine-related losses beyond the base policy.
Only the add-on wording determines the actual cover.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
ACKO plans and claim process
It combines own-damage protection with third-party liability cover. Covered events and limits depend on the issued policy.
Theft is generally covered under comprehensive insurance, subject to policy conditions, IDV and required documentation.
Yes, it combines own-damage protection with third-party liability cover, subject to the policy terms.
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)
The premium depends on vehicle details, location, IDV, tenure, discounts and selected add-ons. Obtain a personalised ACKO quote.
These are optional add-ons where offered. They may require an additional premium and have specific eligibility conditions.
Third-party motor insurance is legally required for vehicles used on public roads. Comprehensive cover additionally protects the insured vehicle against covered own-damage losses.