Acko Insurance: Your Companion on the go things painless
December 14, 2025
Acko General Insurance is India’s first and only all-digital InsureTech company, that aims to make insurance transparent & accessible. With a new age platform, competitive rates, Add-Ons like- Zero Cancellation Plus Future Generali and hassle-free online experience, Acko has changed the way one looks at insurance by making it Easy to Buy- Hard to Ignore.
In this post, we’ll do a deep dive into Acko Insurance, including its various offerings and products, the specifics of their insurance products as well as the key features and benefits they offer for modern day customers to see if it’s the right fit for you.
What Is Acko Insurance?
Acko General Insurance Ltd. commonly known as Acko is a new age general insurance company Context The startup targets millennials by offering insurance products to them via their preferred choice of distribution i.e., online.
Launched in 2016 by Varun Dua and Ratul Puri, Acko’s platform aims to offer a 100% digital experience for buying and managing insurance policies, ranging from car and health insurance to motorbike and travel insurance.
Leveraging cutting edge digital technology, such as AI-based algorithms, Acko makes insurance accessible across devices and provides a hassle-free experience to customers.
Key Features of Acko Insurance
| Details | Description |
|---|---|
| Digital-first | Complete process go on the internet purchase to claims |
| Affordable premiums | Very, very affordable; Great value for the price / Quality at competitive pricing |
| Instant claims | Quick and easy claims settlement |
| Customizable plans | Customizable solutions to meet your particular needs |
| Transparency | Transparent and honest policies no hidden terms |
Services Offered by Acko Insurance
Acko has different insurance plans for individuals and corporate. Some of the major products are:
Car Insurance
Acko provides third-party as well as comprehensive car insurance policies. Their car insurance plans provide cover against accidents, theft and third-party liability, along with regarding the damage to their vehicle.
Auto direct Customers can purchase, renew and manage their car insurance online directly.
Car Insurance Type
| Type | Features |
|---|---|
| Comprehensive | Cover for own damage, theft, third-party liabilities |
| Third-party | Covers damage or injury to third parties (other people) |
Motorcycle Insurance
Acko motorcycle insurance is like their car plans; you get protection for your two-wheelers against accidents, damage and theft. Acko’s two wheeler insurance policy also offers third-party liability protection and an add-on for roadside assistance.
Health Insurance
Acko offers a variety of health insurance plans for individuals and families to cover medical costs. They are based around if you just want hospitalisation, whether you need pre and post-hospital Ann expenses or even critical illness even.
The company says Acko health insurance plans have been created to be cost-effective, with various flexible policies to fit the budgets of different customers.
Health Insurance Type
| Type | Benefits |
|---|---|
| Individual Health Plans | Individual medical costs and treatments are covered |
| Family Floater Plans | Family cover under one policy |
Travel Insurance
Acko provides travel insurance which is designed to offer protection against a variety of risks during the course of your journey such as trip cancellation, medical emergencies, baggage loss and flight delays.
With their travel insurance policies, they offer worldwide coverage, so you can consider them for your domestic and international travels.
Why Choose Acko Insurance?
Acko has soon become one of the most reliable brands for digital insurance. There are many reasons why people choose Acko Insurance like:
Digital-First Experience
A have gone away the paperwork of yore and intermediaries as everything is digital-first with Acko. The availability of online policy management, claims filing and customer support makes the process quicker and easier.
The Acko mobile app and website allow you to easily manage your policy.
Affordable Premiums
Acko Insurance provides competitive premiums on a range of insurance products. By eliminating traditional channels and engaging customers directly through the internet, Acko is able to pass on the savings to its customers in the form of highly competitive pricing for insurance with low distribution costs while continuing to provide world-class services using ground-breaking tech solutions.
Instant Claims Process
Acko also have quick claim settlement. The majority of claims are automatically confirmed, so you don’t get held up through processing.
Acko’s transparent claims process is prompt and claims are settled instantly to the bank account of the customer.
Customizable Plans
Acko realizes that everyone’s requirements are different. That’s why it sells customizable insurance policies that allow you to fit coverage to your needs. From enhancing your car insurance cover to customize health plans, Acko lets you create policies that suit what you’re looking for.
Customer-Centric Approach
Acko is focused on customer experience. Whether it is their transparent policies or the 24/7 support, Acko takes care that its customers enjoy only the best facilities.
From buying a policy to making a claim, Acko’s customer service ensures you never have to look further.
Digit Insurance: Your Go-To Solution for Easy, Transparent, and Affordable Insurance
Acko Insurance Claims Process
The process of claims at Acko is fast and hassle-free. The process works the same whether you are submitting a car insurance claim, health claim or motorbike claim.
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Submit Claim Online: You can enter your Acko account and file a claim.
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Submit necessary documents: Upload any documents you may need; for instance your policy number, vehicle information or medical records.
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Claims Processing: The claim will be processed by Acko’s team that shall, if everything is in order, approve the same at a fast pace.
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Claim settlement: An amount is settled based on the claim, which is either deposited in your bank account or It gets compensated and adjusted as per policy terms.
Claims Process Step
| Step | Details |
|---|---|
| Step 1 | File the claim online on Acko’s website or app |
| Step 2 | Upload the required documents |
| Step 3 | Claims assessment and approval |
| Step 4 | Direct Payment Into Your Bank Account |
Acko Insurance: Final Thoughts
Acko Insurance has completely transformed the insurance sector, making it simple and transparent with its digital-first approach as well as attractive premiums.
Be it car insurance, two-wheeler insurance or other general insurance, Acko General Insurance offers you comprehensive policies as well as quick and fair claim settlement. Acko’s offering a new age, stress-free means of purchasing insurance with its 3 minutes policy-booking and super-fast claims set-up!
With the development of Internet insurance business, Acko Insurance as an entity is constantly innovating and delivering quality service to customers searching for fast, easy and low cost ways to get insurance.