Acko Car Insurance Review: Best Digital Car Insurance in India 2025 | Fast Claim Settlement | Affordable Premiums | Comprehensive Coverage
Did you know that over 80% of car owners in India now prefer buying insurance online, a sharp rise from just 20% a decade ago?
This shift highlights the growing trust in digital platforms like Acko General Insurance, a leader in India’s car insurance market in 2025.
Acko Car Insurance has gained attention for its paperless processes, fast claim settlements, and affordable premiums.
But how does it perform for Indian drivers? This article provides a detailed review of Acko Car Insurance, covering its plans, features, customer experiences, and market standing.
Whether you’re a new car owner or looking to switch insurers, this guide will help you decide if Acko is the right choice for you in 2025.
Background of Acko Insurance
Acko General Insurance, founded in 2016, is a digital-first insurer transforming how Indians buy insurance.
Unlike traditional companies, Acko operates entirely online, eliminating paperwork and middlemen to offer lower premiums.
Its partnerships with brands like Ola and Amazon India have expanded its reach, making it a household name.
Acko’s mission is to simplify insurance using technology, focusing on user-friendly experiences.
Beyond car insurance, Acko offers bike, health, and travel insurance, catering to diverse needs.
By 2025, Acko has established itself as a trusted name, with a focus on innovation and customer satisfaction.
Its direct-to-consumer model reduces costs, which is reflected in its competitive pricing, starting at INR 2,094/year for third-party car insurance (based on 2024 data, subject to 2025 updates).
Acko
Types of Acko Car Insurance Plans
Acko provides a range of car insurance plans to suit different needs. Below is an overview of its offerings:
Plan Type | Coverage | Best For |
|---|---|---|
Third-Party Liability | Covers damages, injuries, or death caused to third parties. Mandatory by law. | Budget-conscious drivers meeting legal requirements. |
Comprehensive Insurance | Includes third-party liability, own vehicle damage, theft, and natural calamities. | Drivers seeking full protection. |
Own Damage Insurance | Covers damage to the insured vehicle only (e.g., accidents, theft). | Owners with existing third-party coverage. |
Specialized Plans | Electric car insurance, used car insurance, commercial car insurance. | EV owners, second-hand car buyers, taxi operators. |
Third-Party Insurance: Required under the Motor Vehicles Act, it protects against liabilities arising from damage to others. Premiums are regulated by the IRDAI.
Comprehensive Insurance: Offers broader coverage, including accidents, fire, floods, and theft. It’s ideal for new or high-value cars.
Own Damage Insurance: A standalone option for vehicles already covered by third-party insurance.
Specialized Plans: Acko’s electric car insurance covers battery damage, a growing need in 2025 as EV adoption rises. Used car and commercial plans cater to niche markets.
Acko’s pricing is competitive, with comprehensive plans starting at INR 4,000–6,000/year, depending on the vehicle and add-ons (based on 2024 estimates).
Key Features of Acko Car Insurance
Acko stands out in India’s car insurance market due to its customer-centric features:
Digital-First Approach: Buy, renew, or file claims via the Acko app or website (www.acko.com). Policies are issued instantly, and documents are stored digitally.
Cashless Repairs: Acko partners with over 2,000 garages across India for cashless repairs. Free pick-up and drop services are available in major cities like Delhi, Mumbai, and Bengaluru.
Fast Claim Settlement: Minor damage claims are settled in as little as 12 minutes, with a 95.45% claim settlement ratio (2021-22 data, per IRDAI).
24/7 Customer Support: Reach Acko via its toll-free number (1800-266-2256) or email (hello@acko.com) anytime.
No-Claim Bonus (NCB) Protection: Retain your NCB discount even after a claim with an add-on cover.
Affordable Premiums: Acko’s low operational costs translate to lower prices, with safe driver discounts further reducing costs.
These features make Acko a top choice for tech-savvy drivers seeking online car insurance in 2025.
Acko
Add-On Covers Offered by Acko
Acko offers several add-ons to enhance coverage. These optional covers allow customization based on your needs:
Zero Depreciation Cover: Pays the full claim amount without deducting depreciation, ideal for new cars.
Engine Protection Cover: Covers engine damage from water ingress or oil leaks, crucial in flood-prone areas.
Roadside Assistance: Provides 24/7 towing and emergency support within 50 km of a breakdown.
Consumables Cover: Includes costs for engine oil, nuts, bolts, and other consumables during repairs.
Return to Invoice Cover: Ensures you receive the car’s full invoice value in case of theft or total loss.
Key and Lock Replacement: Covers expenses for lost or damaged keys/locks.
Personal Accident Cover: Offers up to INR 15 lakh for the owner-driver and INR 1 lakh per passenger.
NCB Protection: Preserves your NCB discount after a claim, saving on future premiums.
Add-ons increase premiums but provide comprehensive protection, especially for high-risk scenarios like floods or theft.
Exclusions in Acko Car Insurance
Understanding policy exclusions is critical to avoid claim rejections. Acko’s car insurance does not cover:
Damages caused while driving under the influence of alcohol or drugs.
Normal wear and tear or mechanical breakdowns.
Incidents outside India’s geographical boundaries.
Claims when driving without a valid license.
Theft of personal belongings inside the car.
Damages due to war, riots, or nuclear risks.
Review the policy document carefully to ensure compliance with terms and avoid surprises during claims.
Acko
Customer Experience & Reviews
Customer feedback provides valuable insights into Acko’s performance. Here’s a balanced look based on reviews from 2024–2025:
Positive Feedback
Ease of Use: Customers praise the Acko app for quick policy purchases and renewals.
Fast Claims: Many report minor claims settled within hours, especially for cashless repairs.
Affordable Pricing: Competitive premiums and transparent pricing are frequently highlighted.
Digital Convenience: Paperless processes appeal to younger, tech-savvy users.
Negative Feedback
Customer Support: Some users report delays in query resolution or unresponsive support.
Claim Rejections: Complaints about rejections due to incomplete documentation or unclear terms.
Hidden Costs: A few customers mention unexpected fees during claim settlements.
2025 Insights
App Ratings: Acko’s app has a 4.6/5 rating on Google Play (based on 2024 data), with users appreciating its user-friendly interface.
Review Platforms: Sites like MouthShut and Trustpilot show mixed feedback, with 70% positive reviews focusing on speed and pricing.
X Posts: Recent posts on X highlight quick settlements for minor accidents but occasional disputes with surveyors for larger claims.
Claim Settlement Ratio: Acko’s 95.45% ratio (2021-22) indicates reliability, though its repudiation ratio (claims rejected) is around 4–5%, in line with industry standards.
For example, a user on X shared how Acko settled a bumper repair claim in 24 hours, while another complained about a rejected claim due to missing documents.
These experiences underscore the importance of clear communication with Acko.
Pros & Cons of Acko Car Insurance
Pros
- Fully digital platform for easy access
- Competitive premiums with discounts
- Fast, cashless claim processing
- Wide range of add-ons for customization
Cons
- Limited offline support for non-tech users
- Mixed customer service experiences
- Strict documentation can lead to disputes
Comparison with Other Car Insurance Providers in India
How does Acko stack up against competitors in 2025? Here’s a comparison:
Feature | Acko | HDFC ERGO | Digit Insurance |
|---|---|---|---|
Premium (Comprehensive) | INR 4,000–6,000/year | INR 5,000–8,000/year | INR 4,500–7,000/year |
Claim Settlement Ratio | 95.45% (2021-22) | 98% (2021-22) | 96% (2021-22) |
Cashless Garages | 2,000+ | 7,000+ | 6,000+ |
Claim Speed | 12 mins (minor claims) | 1–2 days | 1–2 days |
Digital Experience | Fully digital | Hybrid (online + offline) | Fully digital |
Traditional Insurers (e.g., HDFC ERGO, ICICI Lombard): Offer larger garage networks and higher claim settlement ratios but slower processes and higher premiums.
Digital Insurers (e.g., Digit): Match Acko’s digital experience and pricing but may lack Acko’s doorstep claim settlement or partner integrations.
Acko’s USPs: Fast claims, affordable car insurance, and partnerships with Ola and Amazon for seamless access.
Acko excels for budget-conscious, tech-savvy users but may lag in garage network size compared to traditional players.
Acko’s Technology and App Features
The Acko app is central to its user experience. Key features include:
Policy Management: View, renew, or modify policies in a few clicks.
Claim Tracking: Real-time updates on claim status.
Additional Services: FASTag recharge, traffic challan checks, and car resale value estimation.
User Interface: Simple design, accessible for first-time users.
Security: Encrypted transactions and IRDAI-compliant data protection.
Acko’s integration with Apple HealthKit (for health insurance) shows its tech-forward approach, though less relevant for car insurance. The app’s 4.6/5 rating reflects strong user satisfaction in 2025.
Acko Car Insurance in 2025: Trends and Future Outlook
India’s car insurance market is evolving in 2025, driven by:
Electric Vehicles: With EV sales rising, Acko’s electric car insurance plans cover battery and charging equipment damage, a key differentiator.
Digital Adoption: Over 80% of insurance purchases are now online, favoring Acko’s model.
Customer Expectations: Demand for faster claims and transparency is growing.
Acko is well-positioned to lead, with plans to expand its garage network and improve offline support based on feedback.
Its focus on innovation, like AI-driven claim assessments, could further enhance efficiency. By 2025, Acko is likely to increase its market share, challenging traditional insurers.
Acko
Conclusion
Acko Car Insurance offers a compelling option for Indian drivers in 2025, with its digital platform, fast claims, and affordable premiums.
Its 95.45% claim settlement ratio and 2,000+ cashless garages ensure reliability, while add-ons like zero depreciation and engine protection provide flexibility.
However, mixed customer service reviews and limited offline support may concern some users. Acko is best for tech-savvy drivers who value convenience and cost savings.
Compare plans, read policy terms, and use the Acko app for seamless management.
Visit www.acko.com or download the app to explore quotes and make an informed choice.
Frequently Asked Questions
A: Third-party insurance starts at INR 2,094/year, while comprehensive plans begin at INR 4,000–6,000/year (2024 estimates).
A: Minor claims can be settled in 12 minutes, with larger claims taking 1–2 days.
A: Zero depreciation, engine protection, and roadside assistance are recommended for comprehensive coverage.
A: Acko’s digital focus may challenge those preferring offline support, but its helpline assists.
A: Call 1800-266-2256 or email hello@acko.com, available 24/7.
A: Yes, Acko offers specialized electric car insurance covering battery and charging equipment.
