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ACKO Third-Party Car Insurance is a liability-only motor policy designed to meet the third-party insurance requirement for cars used on Indian roads. It covers eligible legal liability for bodily injury or death caused to another person and damage to third-party property, subject to applicable law and policy limits. It does not cover accidental damage, theft, fire or flood damage to the insured car itself. Premiums for private cars are determined by factors including the applicable engine-capacity category and statutory tariff. Check the policy schedule and applicable premium before purchasing.
Provides third-party liability protection; damage to the insured car is not covered
Third-party insurance is intended for owners who need liability protection rather than cover for damage to their own car. It can help meet legal requirements and respond to covered third-party claims, but it leaves the insured vehicle itself unprotected against accidents, theft and natural calamities. Third-party bodily injury and death compensation is assessed under applicable law; property damage is subject to the applicable policy limit. Review owner-driver personal accident requirements separately and confirm that the vehicle details and permitted use are correctly declared.
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 legal liability for bodily injury caused to a third party by the insured car.
Subject to applicable law, policy terms and claim assessment.
Provides cover for eligible legal liability arising from a third-party death caused by an insured incident.
Compensation is assessed under applicable law.
Covers eligible damage caused to another person’s property, subject to the applicable limit.
Check the current policy wording for the limit and conditions.
Helps protect the insured against covered third-party liabilities arising from use of the insured car.
The claim must fall within policy terms and applicable law.
Provides the third-party motor insurance component generally required for a car used on Indian roads.
Keep the policy valid and vehicle details accurate.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
ACKO plans and claim process
Third-party motor insurance is generally mandatory for cars used on Indian roads. Confirm the applicable requirements for your vehicle.
It covers eligible third-party bodily injury or death liability and property damage liability, subject to law and policy limits.
No. A third-party-only policy does not cover damage to your own car. Consider a standalone own-damage or comprehensive policy for that protection.
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)
No. Theft of the insured car is not covered under a third-party-only policy.
Private-car third-party premiums depend on the applicable statutory tariff and vehicle category, including engine-capacity classification.
Eligible third-party property damage is covered up to the applicable policy limit. Check the issued policy wording for details.
Zero depreciation is an own-damage add-on and is not available under a third-party-only policy.
Applicable personal accident cover depends on eligibility, existing qualifying cover and policy terms. Confirm the details before buying.
Third-party cover can be purchased for an eligible new car. The applicable policy duration and premium depend on current rules and the vehicle.
Verify registration and vehicle details, policy dates, liability terms, applicable limits, owner-driver cover requirements and exclusions.