Updated September 28, 2026 · AssureCue Editorial Team
Acko vs Aviva
Where Acko and Aviva differ
| Compare |  Acko |  Aviva |
|---|---|---|
| Premium from | ₹457 | £5 |
| Insurance types | Auto, Motorcycle, Health, Life, Travel, Critical illness | Auto, Home, Renters, Landlord, Life, Critical illness, Income protection, Health, Travel, Pet, Van, Breakdown |
| Claims channels | Online app and website, Cashless at network garages | Online, App, Phone |
| Age range | 18 years and above | 18-77 |
| Cover limit | INR 25 lakh to INR 100 crore (term life) | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Aviva scores higher overall: 9.4 vs 9.1.
- Insurance types: only Acko offers Motorcycle.
- Insurance types: only Aviva offers Home, Renters, Landlord.
- Claims channels: only Acko offers Online app and website, Cashless at network garages.
- Claims channels: only Aviva offers Online, App, Phone.
- Support channels: only Acko offers Email.
Our verdict on each
Acko
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.
Aviva
Aviva suits people who want one regulated insurer for the whole family, from car and home to life and critical illness cover. Life premiums start at £5 a month, a low entry point, and the account is overseen by the Financial Conduct Authority and the Prudential Regulation Authority.
Score breakdown
| Area | Acko | Aviva |
|---|---|---|
| Cost | 9.2HigherMonthly payments are available, and the two-wheeler entry point of INR 457 sits above the site median of €8.37. | 9.1Life premiums start at £5, below the site median of €8.37, and monthly payments are available. |
| Offer | 9.3 | 9.4Higher |
| Trust | 8.9 | 9.6Higher |
Side by side, item by item
| Insurance types | Acko | Aviva |
|---|---|---|
| Auto | Yes | Yes |
| Home | No | Yes |
| Renters | No | Yes |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | No | Yes |
| Motorcycle | Yes | No |
| Van | No | Yes |
| Breakdown | No | Yes |
| Landlord | No | Yes |
| Critical illness | Yes | Yes |
| Income protection | No | Yes |
What we checked
Acko
- acko.com: 13 facts, checked September 26, 2026
Aviva
- aviva.co.uk: 11 facts, checked September 26, 2026
How they place
| Ranking | Acko | Aviva |
|---|---|---|
| Car insurance | 17 of 393 | 64 of 393 |
| Life insurance | 13 of 261 | 42 of 261 |
| Health insurance | 17 of 215 | 41 of 215 |
| Travel insurance | 23 of 291 | 75 of 291 |
| Business insurance | 14 of 150 | 36 of 150 |
| Critical illness cover | 3 of 65 | 11 of 65 |
Every fact side by side
| Fact | Acko | Aviva |
|---|---|---|
| Audience | Seniors | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Acko Technology and Services Limited (CIN U74110KA2016PLC120161) | Aviva plc |
| Headquarters | India | United Kingdom |
| Founded | 2016 | Not confirmed |
| Support channels | Chat, Phone, Email, Help centreCovers more | Phone, Chat, Help centre |
Business insurance
| Fact | Acko | Aviva |
|---|---|---|
| Cover types | Not confirmed | Employers liability, Professional indemnity, Public liability |
| Industries | Not confirmed | vehicles, vans, rental property |
Pros and cons
Acko
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.
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.
Aviva
Pros
- One insurer covers auto, home and renters
- Life premiums start at £5, under the site median of €8.37
- Aviva is an insurer, so it carries the risk itself
Cons
- £5 is an entry figure on life cover
- monthly lists monthly as the only model
- Support runs on phone, chat and help centre only
Who each suits
Acko
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
Aviva
Who it suits
- Families wanting car, home, renters, landlord, life, health, travel, pet, van and breakdown cover from one regulated insurer
- Older policyholders looking for life cover from an insurer listing seniors as an audience
- Landlords and vehicle businesses needing employers liability, professional indemnity and public liability
Who should look elsewhere
- Anyone wanting annual billing, since monthly lists monthly as the only model
- Readers wanting motorcycle or dental cover, neither of which appears in auto, home and renters
- Businesses needing cyber or property cover, as employers liability, professional indemnity and public liability covers only three lines
Current offers
Acko
Current offer
Discount code
Save as much as INR 80,000 on top-selling cars: up to INR 80,000
New car purchase through ACKO digital showroom (ACKO Drive); savings shown against listed price, T&Cs apply
Source, checked September 26, 2026
Aviva
Current offer
Bonus
Amazon.co.uk gift card reward for Life Insurance Plan: Amazon.co.uk gift card worth GBP 50 to GBP 200
Apply for a Life Insurance Plan by 9 November 2026; claim after paying six monthly premiums; max one reward per person and per policy; GBP 50 for monthly premium GBP 5-9.99, GBP 80 for GBP 10-19.99, GBP 140 for GBP 20-29.99, GBP 200 for GBP 30 or more; limited time offer, restrictions apply, may be withdrawn
Source, checked September 26, 2026
First period offer
Free life insurance when buying a home: up to 90 days free life insurance
Applies when buying a home; terms apply, see policy conditions for full details
Source, checked September 26, 2026
Country by country
| Country | Acko | Aviva |
|---|---|---|
| India | Yes | No |
| United Kingdom | No | Yes |
Questions about each
Acko
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.
Aviva
How much does Aviva cost as a starting point?+
Life insurance premiums start at £5. That figure sits below the site median of €8.37, where the market runs from €2.92 to €29.72. Motor, home and health cover are quoted separately rather than from this headline number.
Can I pay Aviva premiums monthly?+
Monthly payments are available and monthly lists monthly as the arrangement. That is the only model on record, so readers who prefer to settle a policy in one payment each year will not find that option here. Instalments can make a policy easier to start, though the total paid over the term is worth checking.
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