Updated September 30, 2026 · AssureCue Editorial Team
Acko vs DirectAsia
Where Acko and DirectAsia differ
| Compare |  Acko |  DirectAsia |
|---|---|---|
| Insurance types | Auto, Motorcycle, Health, Life, Travel, Critical illnessCovers more | Auto, Motorcycle, Travel |
| Cover limit | INR 25 lakh to INR 100 crore (term life) | SGD 500,000 overseas medical |
| Claims channels | Online app and website, Cashless at network garages | Phone, Online |
| Age range | 18 years and above | 15 days to below 81 years |
| Premium from | ₹457 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Excess from | Not confirmed | SGD 30 |
Same on both: Provider type (Insurer).
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Key differences
- Founded is lower at DirectAsia: 2010 vs 2016.
- Insurance types: only Acko offers Health, Life, Critical illness.
- Claims channels: only Acko offers Online app and website, Cashless at network garages.
- Claims channels: only DirectAsia offers Phone, Online.
- Support channels: only Acko offers Chat.
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.
DirectAsia
DirectAsia suits drivers, riders and travellers in Singapore who want motor and travel cover from an insurer with family travel eligibility across 15 days to below 81 years. Support through phone, email and help centre and claims through phone and online suit readers who prefer phone and online help for everyday questions and claims.
Score breakdown
| Area | Acko | DirectAsia |
|---|---|---|
| Cost | 9.2HigherMonthly payments are available, and the two-wheeler entry point of INR 457 sits above the site median of €8.37. | 9.1Excess starts at SGD 30 on travel plans, giving a clear price signal before you claim. |
| Offer | 9.3Higher | 8.9Focused choice of auto, motorcycle and travel keeps motor and travel needs together in a clear menu. |
| Trust | 8.9 | 9.2HigherOperates as insurer, which keeps underwriting and claims within the same firm. |
Side by side, item by item
| Insurance types | Acko | DirectAsia |
|---|---|---|
| Auto | Yes | Yes |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Motorcycle | Yes | Yes |
| Critical illness | Yes | No |
Pick Acko if, pick DirectAsia if
Pick Acko if offer and insurance types matter most.
Pick DirectAsia if trust matter most.
Sources behind this comparison
Acko
- acko.com: 13 facts, checked September 26, 2026
DirectAsia
- directasia.com: 11 facts, checked September 30, 2026
How they place
| Ranking | Acko | DirectAsia |
|---|---|---|
| Car insurance | 17 of 393 | 19 of 393 |
| Travel insurance | 23 of 291 | 28 of 291 |
| Motorbike insurance | 11 of 120 | 12 of 120 |
Every fact side by side
| Fact | Acko | DirectAsia |
|---|---|---|
| Audience | Seniors | Seniors |
| Pricing model | Monthly | Not confirmed |
| Legal entity | Acko Technology and Services Limited (CIN U74110KA2016PLC120161) | Auto & General Insurance (Singapore) Pte. Limited trading as DirectAsia Insurance |
| Headquarters | India | Singapore |
| Founded | 2016 | 2010Lower |
| Support channels | Chat, Phone, Email, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Acko | DirectAsia | Median |
|---|---|---|---|
| Premium from | ₹457below the median | Not confirmed | ₹519 |
Median across 7 listed insurance providers.
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.
DirectAsia
Pros
- Covers motor and trips together through auto, motorcycle and travel, with auto, motorcycle and travel in a focused menu.
- Includes overseas medical protection of SGD 500,000 overseas medical for travel plans, which helps with hospital costs abroad.
- Welcomes seniors travellers within family plans, supporting trips with older relatives.
Cons
- Range stays focused on auto, motorcycle and travel, while Allianz Malaysia covers auto, motorcycle and home for wider household needs.
- Support runs on phone, email and help centre only, which suits readers comfortable without live chat.
- Travel medical limits centre on SGD 500,000 overseas medical, so readers wanting higher overseas limits should compare with LV=.
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
DirectAsia
Who it suits
- Drivers and riders who want auto and motorcycle cover with travel alongside, unlike LV= fans seeking home and pet focus.
- Families and senior travellers who value wide age eligibility, unlike readers needing broader life cover from Allianz Malaysia.
Who should look elsewhere
- Readers who want home, life or pet cover in the same account may prefer Allianz Malaysia, which covers broader household lines.
- Readers who want live chat support may prefer die Bayerische style providers with wider contact options.
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 | DirectAsia |
|---|---|---|
| India | Yes | No |
| Singapore | 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.
DirectAsia
What types of insurance does DirectAsia offer?+
DirectAsia covers auto, motorcycle and travel for auto, motorcycle and travel needs. Travel medical protection includes SGD 500,000 overseas medical for care abroad. Check plan limits and exclusions before you buy, then match the choice to your vehicle and trip pattern.
Who can join a DirectAsia family travel plan?+
Family travel eligibility spans 15 days to below 81 years for eligible travellers. The range includes seniors travellers, which helps older relatives join family trips. Confirm age rules and health declarations on your chosen plan before you pay.
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