(4.5 / 5)1543+ Ratings

Acko Reviews

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Overall Rating

4.5
13 Reviews
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About Acko

Acko.com is an online platform that offers various insurance plans. Their product portfolio includes Car, Bike, Health, and Travel Insurance. They also provide insurance for Two-Wheelers and Taxis. Acko aims to make the insurance process easy and hassle-free for its customers. They offer 100% digital services, eliminating the need for paperwork. Customers can access all their services with just a few clicks, including buying insurance and filing claims. They promise cashless and speedy claim settlements. Acko also offers incredibly low premiums due to their operational efficiency and the absence of intermediary commissions. They have partnered with leading Indian companies like Amazon, Ola, MakeMyTrip, Zomato, OYO, RedBus, etc., to offer additional insurance products like mobile screen insurance and passenger cover.

Acko Pros & Cons

Pros of ACKO.com:

  • Seamless Online Process: ACKO offers a user-friendly online platform for purchasing and renewing policies, making the process efficient and hassle-free.
  • Quick Claim Settlement: ACKO is known for its timely and hassle-free claim settlement process, which can be initiated via the app, ensuring minimal stress during challenging times.
  • Transparency and Clear Policies: ACKO provides clear and concise policies, reducing ambiguity and confusion for users.
  • Responsive Customer Support: The company has a dedicated customer support team available to assist users with queries and claims.
  • Personalized Solutions: ACKO offers customized policies tailored to individual needs, ensuring each customer receives the coverage they need.
  • Competitive Premiums: ACKO provides competitive premium rates, offering value for money without compromising on coverage quality.
  • Additional Benefits: Users appreciate the added benefits such as zero depreciation cover, roadside assistance, and emergency support.
  • User-Friendly App: The ACKO app allows customers to manage policies, make claims, and access assistance on the go, enhancing the overall user experience.
  • Digital Insurance Services: ACKO leverages technology to provide paperless transactions and digital policy documents, catering to tech-savvy customers.
  • Instant Claims Feature: The "Instant Claims" feature allows eligible claims to be approved and settled within hours, alleviating stress associated with claim settlements.

Cons of ACKO.com:

  • Dependence on Employer: Group Health Insurance policies are employer-dependent, meaning coverage ends if the employee leaves the company.
  • Inadequate Control: Employees have limited control over the health insurance plan chosen by their employer, which can be a disadvantage for personal financial planning.
  • Claim Settlement Process Concerns: Historically, people have concerns about the time taken to settle claims or the extent of claim settlement, although ACKO addresses this with its seamless process.

These points highlight both the strengths and weaknesses of ACKO.com, providing a comprehensive view of its services and offerings.

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Acko Customer Reviews (13)

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Steven Boutte
Steven Boutte
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Aug 15, 2023
Ahinoa Zaragoza
Ahinoa Zaragoza
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Aug 13, 2023
Richard Posey
Richard Posey
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Aug 12, 2023
Sophie Peters
Sophie Peters
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Aug 12, 2023
Ines Koehler
Ines Koehler
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Aug 11, 2023
Kamisa Kishiev
Kamisa Kishiev
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Aug 11, 2023
Mario Abend
Mario Abend
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Aug 11, 2023
Kelly Sheripov
Kelly Sheripov
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Aug 10, 2023
Kevin Bravo
Kevin Bravo
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Aug 10, 2023
Larry Gurule
Larry Gurule
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Aug 10, 2023

Acko Customer’s Q&A

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Acko Features and Benefits

Here are the key features and benefits of acko.com:

  1. Competitive Pricing: Offers insurance plans starting at INR 2,072.
  2. Quick Turnaround Times: Provides 1-hour pickup (for select cities), instant repairs, and three-day doorstep delivery at no extra cost.
  3. Convenience: 100% digital buying and renewal process.
  4. Comprehensive Coverage: Covers third-party liabilities, damage due to accident, fire, natural calamities, car theft, and injuries to the car owner.
  5. Add-Ons: Offers eight add-ons for additional coverage.
  6. Cashless Repairs: Has tie-ups with more than 5,000 cashless hospitals.
  7. 24/7 Emergency Assistance: Provides round-the-clock support for emergencies.
  8. Zero Deductions at Claim: Full claim amount for approved claims without any hidden deductions.
  9. Room Rent Waiver: An add-on feature included in the ACKO Standard Health Insurance Plan. It ensures that you have the flexibility to choose any hospital room of your preference, without worrying about the associated costs.
  10. Useful Add-ons Included: No need to pay extra for add-ons like Doctor on Call, Room Rent Waiver, and coverage for Non-medical Expenses.
  11. Coverage for Critical Illnesses: Provides coverage for hospitalisation expenses related to critical conditions.
  12. Direct Contact: In case you’re facing an issue, you can contact acko.com directly through their round the clock customer service team.
  13. Everything’s On The App: Whether you need a copy of your insurance documents or want to track the status of your claim, you can get everything you need, right on the ACKO app.

These features and benefits make acko.com a competitive choice in the insurance market. It's recommended to explore the platform and understand its offerings, pricing, and policies to make an informed decision.

Acko Pricing

ACKO.com Pricing:

  • Family Health Insurance:

    • Starting Cost: Approximately INR 600 per month for the ACKO Standard Health Plan.
    • Premium Range: Rs. 20/day depending on the number of members insured and the type of health plan selected.
  • Car Insurance:

    • Starting Premium: Rs. 2,762* for a comprehensive coverage policy.
    • IDV (Insured Declared Value) Premiums:
      • Less than 1,000cc: Rs. 2,094
      • More than 1,000cc and less than 1,500cc: Rs. 3,416
      • More than 1,500cc: Rs. 7,897.
  • Travel Insurance:

    • Basic Plan: Rs. 49 for a five-day term, approximately Rs. 10 per day.

About acko.com Payment Method?

You can pay for your ACKO insurance policies online with ease and security. They offer multiple payment options and provide instant confirmation. There are no hidden charges or hassles. If you want to renew your policy, you can do so by logging in to acko.com. Once logged in, there will be a 'Policy Card' which will show you the applicable plans for your renewal policy. You can click the 'Buy Now' button against any preferable plan, make the payment, and the policy will be renewed. Please note that all the information is based on the data available up to 2021, and there may have been changes or updates since then.

Acko FAQs

FAQ

Acko Alternatives

Here are the top 10 alternatives to acko.com:

  1. Digit Insurance: Provides digital insurance solutions, offering an online platform for various types of insurance services.
  2. Buckle: Provides rideshare and auto insurance policies, including buckle coverage, ride share coverage, and delivery insurance.
  3. Cachet: Specializes in providing digital insurance products tailored for the platform economy, focusing on the mobility and insurance sectors.
  4. Policybazaar: An insurance aggregator and financial technology company, offering an online platform where users can compare insurance policies.
  5. Zego: A commercial motor insurance provider specializing in products for self-employed drivers and fleets.
  6. CoverApp: An insurtech company specializing in providing digital solutions for insurance and emergency services.
  7. New India Assurance: A multinational general insurance company that offers a wide range of insurance products.
  8. ICICI Lombard General Insurance: A private sector company that focuses on providing a wide range of insurance products in various domains such as motor, health, travel.
  9. Go Digit General Insurance Limited: One of the leading general insurance companies in India on a mission to make insurance simple for people.
  10. TATA AIG: Offers a platform to buy/renew car, bike, travel, health insurance online instantly with low premium & minimal paperwork.

These alternatives offer similar services and compete in the same market as acko.com. They provide various types of insurance services, including car insurance, bike insurance, health insurance, and more. Each has its unique features and offerings, catering to different customer needs and preferences. It's recommended to explore each platform to understand their offerings, pricing, and policies to make an informed decision.

FAQ

How To Open A Acko Account?

Here are the steps to open an account on acko.com:

  1. Visit the acko.com website.
  2. Click on the Sign Up button.
  3. Enter all of your personal information.
  4. Set up your username and password.
  5. Create security questions to help protect your account.
  6. Review the details entered and confirm the application.

After these steps, your account on acko.com should be set up and ready to use. You can then explore the various insurance services offered by the platform. Remember, it's always important to review the terms and conditions before signing up for any online service. Enjoy exploring acko.com!

FAQ

What is the process of buying insurance from Acko?

The process of buying insurance from Acko is quite straightforward. Here are the steps for different types of insurance:

  1. Car Insurance: Start by entering your car number or selecting your car. Answer a few simple questions about your car, such as where you drive or if your previous policy has expired. Then, view the available online car insurance plans and prices tailor-made for you.

  2. Bike Insurance: Select your bike and enter the purchase year of the bike. Then, select if your existing bike insurance has expired or not.

  3. Health Insurance: Visit the Acko website, click on the health button, and click on 'get started'. Fill in your details to get a quote, answer the questions regarding your health condition, complete the payment, and receive your policy on the registered email address.

  4. Motor Insurance: Visit the Acko website or download the mobile app. Provide your personal and vehicle details. Select the vehicle insurance plan and add-ons. Pay the insurance premium online.

Remember, every insurance policy has a start date and an end date, known as the coverage period. The insurance company only covers incidents that occur during this period. The coverage period can be extended by renewing the policy.

FAQ

How do I file a claim with Acko?

Filing a claim with Acko is a simple, hassle-free experience. Here are the steps you need to follow:

  1. Apply for the claim on the Acko App or website. Make sure you enter all the details asked. Incorrect information is one of the most common reasons for your claim getting rejected.
  2. There are primarily two types of claims on Acko - Cashless and Reimbursement Claims.
  3. For Cashless claims, get your car repaired at any of Acko's network garages. Acko will pay the repair costs directly to the garage as per the policy terms. They also offer a free pick up and drop facility in select cities.
  4. For Reimbursement claims, inform Acko and get your car repaired at a garage of your choice. Once the repair work is done, you will have to submit receipts of the repair cost. You can log in to your account via the website or mobile app to upload a copy of the repair invoices. Acko will reimburse the cost as agreed in the policy document.
  5. You can track your claim status in real-time on the Acko mobile app or website. Acko keeps you in the loop about your claim status in real-time.
  6. The documents required for car insurance claims include the Driving licence of the driver, a copy of the insurance policy certificate, Registration Certificate (RC) of the insured vehicle, and Proof of Identification of the policyholder.

Please note that the process may vary slightly depending on whether it's a car insurance claim or a health insurance claim. It's always best to check the specific process for your type of claim on the Acko website or app.

FAQ

How can I buy ACKO's car insurance policy?

To buy an ACKO car insurance policy, you can follow these steps:

  1. Visit the ACKO website or download the ACKO mobile app.
  2. Enter your car number or select your car. ACKO will fetch your car details from your car number.
  3. Answer a few simple questions about your car, such as where you drive or if your previous policy has expired or if you remember when you claimed last.
  4. View the car insurance plans and prices tailor-made for you.
  5. Select the plan and include valuable add-ons if needed.
  6. Make the payment online on ACKO’s website to insure your car.

ACKO offers different types of car insurance policies for your unique needs, including third-party car insurance, comprehensive car insurance, and own-damage car insurance. The process is simple, easy, and convenient with zero paperwork. You can buy/renew your car insurance policy within minutes.

FAQ

What are the unique needs that ACKO covers?

ACKO is a digital insurance company that offers a variety of insurance policies to cater to the unique needs of its customers. Some of the key features of ACKO's services include incredibly low premiums, zero paperwork, stress-free claims, instant claim settlement, total convenience, and 24x7 support. They offer different types of car insurance policies including third-party car insurance, comprehensive car insurance, and own-damage car insurance. In addition to car insurance, ACKO also provides health insurance plans. All these operations take place through their digital platform, thereby removing the need for any paperwork. ACKO claims to have served over 10 crore unique customers to date.

FAQ

About acko.com Popular Products and Services?

ACKO is an IRDAI licensed General Insurance company. They offer a variety of insurance plans on their website, acko.com. Their popular products include Car Insurance, Two-Wheeler Insurance, Taxi Insurance, and Health Insurance. They also provide insurance in partnership with leading Indian companies like Amazon, Ola, MakeMyTrip, Zomato, OYO, RedBus, and others, offering services like mobile screen insurance, passenger cover, and more. ACKO's resources on insurance make it easy for customers to get the most out of their policy, providing guides, articles, and ebooks on insurance to help customers understand insurance-related features, benefits, and tips in detail. They also offer tools like a Premium Calculator for Health Insurance and Bike Insurance. ACKO's approach to insurance is characterized by zero commissions and paperless claims.

FAQ

How do I buy insurance from ACKO?

To buy insurance from ACKO, you can follow these general steps:

  1. Visit the ACKO website or download the ACKO mobile app on your phone.
  2. Enter the required details about your vehicle, health, or any other insurance you are interested in.
  3. Select the insurance plan that suits your needs and include any valuable add-ons if needed.
  4. Pay the insurance premium online.

Your policy will be instantly generated and sent to your registered email address. Please note that the exact process may vary slightly depending on the type of insurance you are purchasing (e.g., car, health, scooter). Always refer to the specific instructions provided on the ACKO website or app for the most accurate information.

FAQ

How do I log in to acko.com?

To log in to acko.com, you should first visit the Acko website or download the mobile application from the respective app store. On the login page, you should enter your registered email address or mobile number in the provided field. Next, you must input your unique password, which should be kept secure and not shared with others. Please remember to always protect your personal information and ensure your password is strong and secure.

FAQ

acko.com Return Policy?

At Acko.com, they have a Cancellation and Refund Policy. If the policy has not commenced, i.e., prior to the coverage/policy start date, you can cancel your Acko Policy and seek a full refund without any questions asked. If the coverage/policy has commenced, you can still cancel your Acko Policy and seek a refund under certain conditions such as if you are selling your motor vehicle insured under the concerned Acko policy or if you have procured a new plan/policy with regards to the motor vehicle insured under the concerned Acko policy. In both cases, the refund of the premium will be on a pro-rata basis. To cancel your Acko Policy, you need to email them at hello@acko.com providing your policy number, the reason for cancellation, and requisite documents. The refund timeline is 7 business days from the policy cancellation date via the original payment mode. If the policy was purchased offline, they will ask you for the bank account in which the refund needs to be made. Such transfer will be completed approximately within 14 business days from the policy cancellation date.

As for the Shipping Policy, Acko.com does not seem to have a traditional one since they operate in the insurance industry. Policies are typically sent to customers via email or can be downloaded directly from the user's account on the website. Therefore, there are no physical goods shipped to customers that would require a traditional shipping policy. If you need a hard copy of the policy, you may need to print it out yourself. If you need further assistance, please visit their customer service page or contact them directly.

FAQ

What is Acko.com?

Acko.com is an online platform that offers insurance services. It provides Car, Bike, Health, and Travel Insurance with features such as zero commissions, paperless claims, and more. They aim to make insurance claims stress-free with cashless, speedy claim settlements. They also offer different types of car insurance policies including third-party car insurance, comprehensive car insurance, and own-damage car insurance at incredibly low premiums. Acko is partnered with leading Indian companies like Amazon, Ola, MakeMyTrip, Zomato, OYO, RedBus, etc to offer insurance like mobile screen insurance, passenger cover, and much more.

FAQ

How do I contact customer service at Acko.com?

You can contact Acko.com's customer service in several ways. You can call their helpline number 1800 266 2256 (Toll-Free) or 1860 266 2256 from any Landline & Mobile from Monday to Sunday (9 am – 8 pm). If you prefer to reach out via email, you can send your queries to hello@acko.com. Additionally, they offer 24×7 Customer Support through their help centre where you can find answers to common queries and create a ticket if you need more help.

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