ACKO Car Insurance

Zero Depreciation - Super Saver: Under the policy, zero depreciation and comprehensive cover are provided. In the case of any claims, the car will be picked up and delivered back by ACKO free of cost. However, in case you do not inform ACKO regarding the claim, a deductible of Rs.5,000 must be paid. 

Zero Depreciation - Smart Saver: Under the policy, zero depreciation and basic cover are provided. However, Rs.5,000 must be paid as a deductible in the case of any claim. 

Zero Depreciation - Basic: Under the policy, bumper-to-bumper cover is provided. However, only partial costs in the case of plastic and fibre parts are covered. 

Comprehensive - Super Saver: Comprehensive cover is provided under the policy. In the case of any claims, the car will be picked up and delivered back by ACKO free of cost. However, in case you do not inform ACKO regarding the claim, a deductible of Rs.5,000 must be paid. 

Comprehensive - Basic: Apart from third-party liability, cover is provided against losses or damages to the car in the case of fire, flooding, theft, accidents, etc. 

Own Damage Cover: Cover is provided in the case of damages caused due to natural disasters, fire, theft, etc. 

Third-Party: It is compulsory to have at least a third-party cover to drive a car in India. You will be protected financially in case any damage is caused to another individual's property or vehicle in the case of an accident. 

Features and Benefits 

Some of the main benefits and features of the car insurance policy offered by ACKO are mentioned below: 

1. The policy can be purchased online. 
2. The renewal process can be completed online. 
3. 24/7 emergency assistance is provided. 
4. Cashless repair facility is provided. 
5. Personal accident cover up to Rs.15 lakh is provided. 
6. In the case of any damages to a third-party, cover is provided. 
7. Various add-ons are available. 
8. The Claim Settlement Ratio is at 94%. 
9. Car insurance policies are provided at low premiums. 
10. Various discounts are provided. 
11. The claim process is simple. 
12. Several plans are offered. 

Exclusions 

Some of the exclusions of the car insurance policy offered by ACKO are mentioned below: 

1. No cover will be provided for personal items that have been stolen from your car. 
2. No cover will be provided in case you do not have a driving license or the driving license has expired. 
3. Wear and tear repairs will not be covered. 
4. No cover will be provided in case the policy has expired. 
5. Any damages that have been caused because of war. 
6. In case the accident has occurred when you are under the influence of drugs or alcohol, no cover will be provided.

Add-Ons 

The different add-ons that are offered by ACKO are mentioned below: 

1. Personal Accident Cover for Passengers 
2. Return to Invoice Cover 
3. No Claims Bonus Protection 
4. Engine Protection Cover 
5. Consumables Cover 
6. Outstation Emergency Cover 
7. Key Replacement Cover 
8. Roadside Assistance Cover 
9. Zero Depreciation Cover