Updated September 28, 2026 · AssureCue Editorial Team
Acko vs CHECK24
What sets them apart
| Compare |  Acko |  CHECK24 |
|---|---|---|
| Premium from | ₹457 | €0.69 |
| Insurance types | Auto, Motorcycle, Health, Life, Travel, Critical illness | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, Gadget |
| Provider type | Insurer | Comparison site |
| Cover limit | INR 25 lakh to INR 100 crore (term life) | EUR 5 million to EUR 50 million, recommended at least EUR 10 million |
| Claims channels | Online app and website, Cashless at network garages | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post |
| Monthly payments | Yes | Not confirmed |
| Age range | 18 years and above | Not confirmed |
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Key differences
- CHECK24 scores higher overall: 9.3 vs 9.1.
- Founded is lower at CHECK24: 1999 vs 2016.
- CHECK24 is available in 2 more countries.
- Insurance types: only Acko offers Critical illness.
- Insurance types: only CHECK24 offers Home, Pet, Dental.
- Claims channels: only Acko offers Online app and website, Cashless at network garages.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
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.
CHECK24
CHECK24 suits people who would rather compare several insurers in one place than settle with a single provider, and it has worked as a comparison site since 1999. The trade-off is that the policy belongs to whichever insurer you pick, so the gain comes from the choice rather than from the site itself.
Score breakdown
| Area | Acko | CHECK24 |
|---|---|---|
| Cost | 9.2Monthly payments are available, and the two-wheeler entry point of INR 457 sits above the site median of €8.37. | 9.8HigherEntry premium €0.69 sits well under the site median of €8.37, though monthly payments decide the total. |
| Offer | 9.3 | 9.6Higher |
| Trust | 8.9Higher | 8.6 |
Licences and countries
| Country | Acko | CHECK24 |
|---|---|---|
| Germany | Not confirmed | IHK Frankfurt am Main D-UC2S-PFVJD-82 IHK fuer Muenchen und Oberbayern D-FPD7-IQZPB-00 Handelskammer Hamburg D-I6KJ-85T6H-31 |
| India | IRDAI 157 | Not confirmed |
Additional countries for Acko: 1. Additional countries for CHECK24: 3.
Side by side, item by item
| Insurance types | Acko | CHECK24 |
|---|---|---|
| Auto | Yes | Yes |
| Home | No | Yes |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | No | Yes |
| Motorcycle | Yes | Yes |
| Dental | No | Yes |
| Critical illness | Yes | No |
| Income protection | No | Yes |
| Gadget | No | Yes |
How they place
| Ranking | Acko | CHECK24 |
|---|---|---|
| Car insurance | 17 of 393 | 9 of 393 |
| Life insurance | 13 of 261 | 7 of 261 |
| Health insurance | 17 of 215 | 8 of 215 |
| Travel insurance | 23 of 291 | 13 of 291 |
| Business insurance | 14 of 150 | 10 of 150 |
| Motorbike insurance | 11 of 120 | 6 of 120 |
Every fact side by side
| Fact | Acko | CHECK24 |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Acko Technology and Services Limited (CIN U74110KA2016PLC120161) | CHECK24 Vergleichsportal GmbH |
| Headquarters | India | Germany |
| Founded | 2016 | 1999Lower |
| Support channels | Chat, Phone, Email, Help centre | Chat, Email, Phone, Help centre |
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.
CHECK24
Pros
- One account reaches auto, home and life, so several kinds of cover can be arranged in the same place.
- Monthly payments are the model on offer, monthly, which spreads a policy charge month by month.
- Support runs on chat, email and phone, so a question can go by chat, email, phone or the help centre.
Cons
- comparison site places CHECK24 outside underwriting, so the cover limit, the wording and the payout are set by the insurer you choose.
- The claim route follows the insurer too: CHECK24 Versicherungscenter online claim form, insurer online claim form and post means the form sits with the site's insurance centre, with the insurer, or goes by post.
- Monthly payments are the only model listed, monthly, so nothing annual is shown beside the monthly figure.
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
CHECK24
Who it suits
- People arranging several kinds of cover, since one account reaches auto, home and life.
- Shoppers who want a policy charge spread month by month: monthly.
- Applicants in Germany, where the site is based: DE.
Who should look elsewhere
- Buyers who want one insurer's own cover rather than a comparison: Good Sam Insurance Agency sets out auto, home and renters from a single provider.
- People who want a quote from a single market rather than a German comparison: EuroAsia Insurance lists UZS 60,000, drawn from a different market to DE.
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
Country by country
| Country | Acko | CHECK24 |
|---|---|---|
| Austria | No | Yes |
| Germany | No | Yes |
| India | Yes | No |
| Spain | 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.
CHECK24
What does cover cost through CHECK24?+
For private liability cover on monthly payments, the entry premium is €0.69. The model is monthly, so a policy is carried month by month rather than settled in one payment, and the monthly figure is the number to weigh when comparing insurers. The exact premium follows the insurer and the cover you select.
Is CHECK24 an insurer?+
CHECK24 is a comparison site rather than an insurer, and the site is operated by CHECK24 Vergleichsportal GmbH. The policy you take out is underwritten and settled by the insurer you choose from the comparison, which is why the cover limit and the claim route both point to that insurer rather than to the site.
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