Acko review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Acko suits Indian adults who want one regulated insurer for motor, health, life, travel and critical illness cover with monthly payments. It ranks 81 of 252 brands on starting premium, so the entry price is the trade-off to weigh against the breadth of cover.

Key facts

Best for
Adults in India who want motor cover with monthly payments from a named regulated insurer.
Premium from
₹457 (Source, checked September 26, 2026)
Insurance types
Auto, Motorcycle, Health, Life, Travel, Critical-illness (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Cover limit
INR 25 lakh to INR 100 crore (term life) (Source, checked September 26, 2026)
Claims channels
Online app and website, Cashless at network garages (Source, checked September 26, 2026)
Age range
18 years and above (Source, checked September 26, 2026)
Legal entity
Acko Technology and Services Limited (CIN U74110KA2016PLC120161) (Source, checked September 26, 2026)
Headquarters
India (Source, checked September 26, 2026)
Founded
2016 (Source, checked September 26, 2026)
Support channels
Chat, Phone, Email, Help-centre (Source, checked September 26, 2026)
Audience
Seniors
Pricing model
Monthly
Official website
acko.com

Business insurance

Provider type
Insurer (Source, checked September 26, 2026)
Premium from
₹457 (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Legal entity
Acko Technology and Services Limited (CIN U74110KA2016PLC120161) (Source, checked September 26, 2026)
Headquarters
India (Source, checked September 26, 2026)
Founded
2016 (Source, checked September 26, 2026)
Support channels
Chat, Phone, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • Monthly payments are available, so premiums can be spread across the year rather than paid up front.
  • It is an insurer rather than a broker, so cover sits with the company that sets the terms and pays the claim.
  • Cover lines run to INR 25 lakh to INR 100 crore (term life) on term life, alongside motor, health and travel under auto, motorcycle and health.
  • Support runs on chat, phone and email, and two-wheeler claims can start online or go cashless at network garages.
  • The two-wheeler entry premium of INR 457 sits well inside the site range of €0 to €3,431.08.

Cons

  • The two-wheeler starting premium of INR 457 ranks 81 of 252 brands, so cheaper entry points exist elsewhere.
  • Term life cover is listed as INR 25 lakh to INR 100 crore (term life), which leaves smaller sums on offer alongside the top figure.
  • Cover is limited to the lines under auto, motorcycle and health, with home and renters cover not listed.
  • Contact runs on chat, phone and email only, with no branch counter in the list.
Acko

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Scored 9.1 / 10 by AssureCue.

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Who it suits

  • Indian adults at or above the entry age of 18 years and above who ride a two-wheeler and want monthly premiums
  • People who want a single regulated insurer for motor and life cover rather than separate providers
  • Older riders and drivers, since the audience named is seniors

Who should look elsewhere

  • Anyone wanting home or renters cover, since auto, motorcycle and health does not list either, where Good Sam Insurance Agency is an alternative
  • Readers who want a branch to visit, as contact runs on chat, phone and email
  • Buyers set on the lowest entry premium, since INR 457 ranks 81 on this measure

How your money is protected

Acko is an insurer, insurer, so the company that sets the policy terms is the company that carries the risk and pays the claim, with no broker layer in between. The licence it holds in India is 157. Claims on two-wheeler policies can start through online app and website and cashless at network garages, so money comes back without a chain of intermediaries. Contact for a claim runs on chat, phone and email.

Cover and limits

The lines listed are auto, motorcycle and health, so motor, health, life, travel and critical illness cover all sit under one name. Term life sums run INR 25 lakh to INR 100 crore (term life), which is the top of that range and leaves room to scale a sum assured up or down. Eligibility starts at 18 years and above, and the audience named is seniors, so older riders and drivers are within scope rather than an afterthought.

Price signals

The published price anchor is a two-wheeler entry point of INR 457. For context, the site median on premium from is €8.37, with a lower quartile of €2.92 and an upper quartile of €29.72. Acko ranks 81 of 252 brands on this measure, so cheaper entry points exist. Monthly payments are available, which spreads the premium across the year.

Who regulates the provider

Acko is an insurer, insurer, and the regulated entity is the one that carries the risk on the policy. It is registered in India with the IRDAI, and the licence number is 157. Checking that number on a quote confirms which company stands behind the cover.

How Acko compares

Where Acko is available

Available
India
Licence in India
IRDAI (157), checked September 26, 2026

Countries from the brand (checked September 26, 2026)

Frequently asked questions

What does Acko charge to start?+

The published figure is a two-wheeler premium starting at INR 457. That sits above the site median of €8.37, and Acko ranks 81 of 252 brands on this measure, so cheaper entry points exist elsewhere. Other lines are priced individually once a policy is set up.

Can I pay monthly instead of once a year?+

Yes. Monthly payments are available, and monthly lists monthly as the payment model. That spreads the premium across the year and keeps the cost alongside other monthly bills rather than in one payment, which suits households that budget month by month.

Is Acko regulated?+

Yes. Acko holds an Indian IRDAI licence, and the number is 157. The provider is an insurer rather than a broker, so the regulated entity is the one carrying the risk on the policy and paying the claim. Reading that number on a quote confirms which company stands behind the cover.

How do I make a claim?+

Two-wheeler claims can be started through online app and website and cashless at network garages, so a claim opens in the app or on the website and can be taken cashless at network garages. For other lines, contact runs on chat, phone and email, which covers chat, phone, email and a help centre.

What lines of cover are available?+

The lines listed are auto, motorcycle and health, so motor, health, life, travel and critical illness sit under one name. Term life cover runs INR 25 lakh to INR 100 crore (term life), which leaves room to scale a sum assured. Home and renters cover are not on that list, so a property policy has to come from elsewhere.

Who can take out a policy?+

Eligibility starts at 18 years and above, and the audience named is seniors, so older riders and drivers are within scope rather than an afterthought. A single adult buying their own cover is the straightforward setup, and monthly payments are available on that account.

How do I reach a person?+

Support runs on chat, phone and email, so chat, phone, email and a help centre are all open routes rather than a phone-only desk. The trade-off is that contact is entirely remote, with no branch counter listed for anyone who prefers to deal with someone in person.

Sources

  • acko.com checked September 26, 2026

    Backs: Audience, Cover limit, Provider type, Headquarters, Insurance types, Legal entity, Pricing model, Monthly payments

    “Senior Citizen Health Insurance; Health Insurance for Parents”

  • acko.com/about-us checked September 26, 2026

    Backs: Founded

    “2016 ACKO was born”

  • acko.com/contact-us checked September 26, 2026

    Backs: Support channels

    “Chat now ... Available 24 x 7 ... Call our helpline ... Send us an email ... Raise a complaint through Grievance Redressal Mechanism”

  • acko.com/terms-and-conditions checked September 26, 2026

    Backs: Age range

    “The User ... is a natural / legal person who has attained the age of at least 18 years and is legally allowed to enter a contract in India”

  • acko.com/two-wheeler-insurance checked September 26, 2026

    Backs: Claims channels, Premium from

    “Claim settlement: Online with paperless and cashless experience ... Cashless repair service: Available at network garages”

  • admitad.com/en-in/store/offers/acko-bike-cps-in checked September 26, 2026

    Backs: Licences

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Acko

Acko

Adults in India who want motor cover with monthly payments from a named regulated insurer.

9.1/10Visit

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