What is Acko Insurance Best Reviews 2022 in Detail

Acko Insurance: The digital age has enhanced the experience and convenience of our day-to-day requirements.

Especially online transactions. Insurance industry has since adapted to digitalisation from their conventional methods.

Acko is the insurance company which developed this revolutionary feat. 

Acko insurance was founded in 2016 as India’s first digital insurer that provides general insurance,approved and licensed by IRDAI that offers insurance forcar, two- wheeler, taxi, and health.

They are also partnered with leading Indian companies like Amazon, Ola, MakeMyTrip, Zomato, OYO, Red Bus, etc to offer insurance like mobile screen insurance, passenger cover, and much more.

They have over 50 million satisfied customers.

Started with a vision to digitalize insurance with hassle free procedures, zero paperwork, created products and services that can be availed on the touch of your finger tips.

Acko insurance has sold over 60 crore insurance policies till date.

Accolades and acclamations received are ample,

Financial Express bestowed them as the winner in “insurance and savings” category.

LINKEDIN’S top start-up features them as their insurance partners. 

Their micro-insurance product, Ola Trip Insurance, which insures cab passengers, was awarded the Golden Peacock Innovative Product in 2018.

they have also been recognised as the 8th best digital insurance company by FinTech Global in 2019.

Acko insurance is the most reliable and trustworthy company when it comes to insurance purchase and claims.

They are sponsored by high-profile conglomerate such as Amazon, Catamaran ventures, Elevation capital, RPS ventures and Mr. Binny Bansal. Co. founder of Flipkart. 

The company has 95% settlement ratio for the year 2019-2020.the claim is provided with 100% transparency in their product pricing.

Customer satisfaction is the primary motive and they facilitate additional services on door-to-door car repairs, free car pick and drop ,1 yr. warranty on any replaced car parts. which further enhances the overall customer experience and feedback.

ACKO Insurance Products

The general insurance, which is basically non-life insurance has rapid expansion in policy innovation as the market has adaptive tendencies so the insurance industry has to bring innovative products.

Covid 19 health insurance is one of the latest policies.

Acko insurance has following product on their line-up:

  • Car & taxi insurance
  • Bike insurance 
  • Health insurance
  • Gadget insurance

Car Insurance

Third party cover

Mandatory insurance to drive a car that abstains a person from financial and legal liabilities for damage caused to property and injury to a person 

Own damage cover

Uncontainable damages such as theft, fire, natural disasters to your car doesn’t cover under third party insurance therefore this policy can be availed.

Comprehensive – basic

An optimum protection policy that is the combination of both third party and own damage cover, reducing financial liabilities

Comprehensive – Super saver

This is one of their exclusive policy that comprises of all benefits of comprehensive cover and additional service of car pick up, repair and delivery at zero cost with a catch that if you fail to inform acko regarding the claim related to repair, Rs. 5000 is deductible on the process.

Zero Depreciation – Basic

The familiar terminology, Bumper – to – bumper plan, that includes benefit of comprehensive basic plan while covering additional depreciation cost of parts, only less claimable parts such as plastic and fibre are covered on basic insurance

Zero Depreciation – Smart saver

All benefits of zero depreciation – basic at discount along with a condition that during claim acko pays for everything and the customer has to pay Rs. 5000 exclusive of IRDAI mandate charges that gives customer with less claim additional savings.

Zero depreciation – Super saver

All benefits of comprehensive and zero depreciation policy with superior claim experience with pickup, repair and delivery and no additional cost with a condition of Rs. 5000 deductible if there is a failure to inform Acko on claim related to repairs.

Personal accident cover

It is an additional cover which is also mandatory to car insurance that claims accidental cover on persons that may endure personal disability / death while driving the car.

Also read – ACKO General Insurance


  • Premium cost starting at Rs. 2072
  • Personal accident cover of Rs.15 lakh
  • Cashless repairs
  • Emergency assistance

Add-on features

  • Zero Depreciation Cover
  • Roadside Assistance Cover
  • Key Replacement Cover
  • Outstation Emergency Cover
  • Consumables Cover
  • Engine Protection Cover
  • No Claim Bonus Protection
  • Return to Invoice Cover
  • Personal Accident Cover for Passengers

Commercial Car Insurance

Has all features of car insurance with a premium amount starting from Rs.11320

And discounts up to 85%

Bike Insurance

Insuranceplans are starting from an amount of Rs.499

With policies that comprises of 

  • Third party 
  • Comprehensive 
  • Personal accident

Health Insurance

ACKO Health insurance isan exclusive policy that avails a sum insured for Rs. 1 crore. coverage of policy includes a wide variety of medical treatments along with other value-added services and addons that compensates the additional pocket expenses.

Emergency airlift, minimum waiting period are following features that can be accessed.

Health Insurance Schemes

Arogya Sanjeevani 

Exclusive to Acko, a basic plan that secures you and family from unexpected medical costs on affordable premium.

It is the ideal plan that is pocket friendly and health requirements.

Corona Kavach by ACKO

The pandemic has created a global impact that stirred up financial instabilities. corona kavach provides your family against covid 19 medical expenses.

Let me explain how to Acko Insurance Claim. it is quite simple and easy, please follow the steps mentioned below:

Vehicle insurance Claim

  • Go to the Acko Insurance website and login to your account.
  • On cash-less claims, our representative will come and pick up the vehicle from your home and deliver it to one of our authorized garages.
  • To know your repair status of the vehicle, you can check in our website on your account.
  • After the repairs are done, the vehicle will be delivered to you at your house.

Health Insurance Claim

  • Firstly, check for the hospitals which are authorized with Acko Insurance.
  • Get in touch with our representative so that they can help you fill in the authorized form and help you claim the cashless claim.
  • Fill in the claim form which you get from the website or from our representative and attach the required documents mentioned in the application form.
  • You can also attach the post hospital bills in the form as well. (it will take a few weeks for it to get claimed)
  • Submit the form to our representative.

Reviews of the customers

Here we will be talking about the Acko insurance reviews by the customers.

Acko Insurance mainly focuses on Vehicle and Health insurance as they help out the customers in most situations.

Even though the app has some glitches and lags, the service provided by the company is very good and hassle free.

Final words

In our opinion, Acko insurance provides a lot of different and convenient features that are not to be found in other insurance apps and on the top of that Acko insurance was the first company to have an 100% digital insurance platform.

So they have all the contacts and customers in the market meaning their services are really that good.

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