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Insurance buy online
Buy/Renew Car Insurance Online in Simple Steps
How Acko Car Insurance Works
Acko General Insurance offers inexpensive policies and a wide range of Add-on covers to customize it as per your requirements.
Start with entering your car number or selecting your car.
To make your process easier we do the hard work of fetching your car details from your car number and ensuring that it is accurate. However, if you do not remember your car number you can always select your car on your own.
Just answer a few simple questions about your car.
We have kept these questions extremely simple like where do you drive or if your previous policy has expired or if you remember when you claimed last.
View amazing online car insurance plans and prices tailor-made for you.
We strive hard to offer you the best prices in the market. You can select your own IDV and apply myriad offers available to you to get to an optimal price. When you are ready, just select a price.
Choose a price, make payment and the policy will be in your inbox in seconds.
6 Factors that affect your car insurance cost
Value of your Car
Insured Declared Value (IDV)
Your insurance premium depends on a market value for your car set by the insurer. It’s called the Insured Declared Value or IDV. This IDV changes as your car ages due to depreciation as parts of your car get depreciated due to wear & tear with time.
IDV Affects Your Premium Amount Directly
The higher the IDV, the higher is your premium. You can opt for a lower IDV, but doing so may result in a lower claim amount for your policy. If the damages incurred to your car are more than the IDV, that you declared, you may have to pay the difference from your pocket.
Type of Car Insurance
Not every four-wheeler insurance policy offers the same coverage. It depends on the type of car insurance policy you buy. There are two main kinds of car insurance policies in India:
Third-party Car Insurance
A Third-party Policy is the most basic type of car insurance policy. It covers, the injuries caused to another person and his/her damaged property. This kind of car insurance policy has the lowest premium. Buying a third-party car insurance policy is mandatory by Indian law.
Comprehensive Car Insurance
This policy covers all kinds of damages — to your car, another person’s property, and the insured car’s owner-driver. Cause of damages can include Collision, Theft, Fire, Sabotage, Natural occurrences or Man-made calamities.
Since Comprehensive Car Insurance offers greater coverage than a Third-party Insurance, it costs more.
Your basic Comprehensive Car Insurance premium consists of Cost of Third-party Cover, Cost of Own Damage Cover, and Personal Accident Cover for the owner
You can increase the protection your four-wheeler insurance offers with the help of Add-ons. The more the Add-ons on your auto insurance policy, the higher the car insurance premium.
The 5 most common Add-ons are
- Zero Depreciation
- Engine protection
- NCB protection
- Invoice Cover
Zero Depreciation or Bumper to Bumper Add-on
Zero Depreciation or Bumper to Bumper is an Add-on to a Comprehensive Car Insurance Policy. If you opt for this cover, your insurer will not take depreciation into account at the time of a claim. It has the highest premium as compared to a Third-party Liability and Comprehensive Car Insurance Policy.
Unlimited claims are allowed under the Benefit Zero Depreciation.
Why Zero Depreciation Add-on?
The value of your car decreases with time. This is called depreciation. Your insurance company only pays a portion of the bill as the remaining amount is deducted on the account of depreciation. As per this Add-on, your insurer will pay the maximum payable amount of the whole bill without considering depreciation.
Your Car’s Age
The Insured Declared Value or IDV depends on your car’s value. However, the value of your car reduces every year. So, the older a car is, the lower is its value. This can lower your premium and the sum assured.
However, age also makes a car riskier and more susceptible to damages. Car insurance companies often check your car’s health while deciding the premium.
Extra Security Features
One of the easiest ways to reduce your four-wheeler insurance premium is by installing anti-theft and other security features. This is because insurance companies are in the business of lowering your risk. The lower the risk, the lower is the price of your premium.
Your Claim History
Car insurance companies reward good drivers and those who do not claim.
This is done through a ‘No Claim Bonus’ and is in the form of a discount on your insurance premium. No Claim Bonus reduces your car insurance cost.
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