Updated September 28, 2026 · AssureCue Editorial Team
Acko vs Getsafe
Acko vs Getsafe: the differences
| Compare |  Acko |  Getsafe |
|---|---|---|
| Premium from | ₹457 | €2.90 |
| Insurance types | Auto, Motorcycle, Health, Life, Travel, Critical illness | Home, Dental, Life, Health, Travel, Pet, Income protection |
| Provider type | Insurer | Broker |
| Cover limit | INR 25 lakh to INR 100 crore (term life) | Up to 4x the official German vet fee rate |
| Claims channels | Online app and website, Cashless at network garages | App, Phone, Chat |
| Excess from | Not confirmed | €0 |
| Age range | 18 years and above | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- Founded is lower at Getsafe: 2015 vs 2016.
- Getsafe is available in 1 more country.
- Insurance types: only Acko offers Auto, Motorcycle, Critical illness.
- Insurance types: only Getsafe offers Home, Dental, Pet.
- Claims channels: only Acko offers Online app and website, Cashless at network garages.
- Claims channels: only Getsafe offers App, Phone, Chat.
- Audience: only Getsafe offers Expats.
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.
Getsafe
Getsafe suits people in Germany who want one broker for personal lines and a monthly bill rather than a yearly one. Premiums start at €2.90 and monthly payments are available, though the broker model means the cover sits with an insurer, not with Getsafe itself.
Score breakdown
| Area | Acko | Getsafe |
|---|---|---|
| Cost | 9.2Monthly payments are available, and the two-wheeler entry point of INR 457 sits above the site median of €8.37. | 9.4HigherPremiums start at €2.90 with an excess of €0, and monthly is monthly only. |
| Offer | 9.3 | 9.5Higher |
| Trust | 8.9Higher | 8.6 |
How they place
| Ranking | Acko | Getsafe |
|---|---|---|
| Life insurance | 13 of 261 | 14 of 261 |
| Health insurance | 17 of 215 | 18 of 215 |
| Travel insurance | 23 of 291 | 26 of 291 |
Availability and regulation
| Country | Acko | Getsafe |
|---|---|---|
| Germany | Not confirmed | Industrie- und Handelskammer Rhein-Neckar D-QYBT-RIQKC-30 |
| India | IRDAI 157 | Not confirmed |
Additional countries for Acko: 1. Additional countries for Getsafe: 2.
Sources behind this comparison
Acko
- acko.com: 13 facts, checked September 26, 2026
Getsafe
- hellogetsafe.com: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Acko | Getsafe |
|---|---|---|
| Audience | Seniors | Expats, SeniorsCovers more |
| Pricing model | Monthly | Monthly |
| Legal entity | Acko Technology and Services Limited (CIN U74110KA2016PLC120161) | Getsafe Digital GmbH |
| Headquarters | India | Germany |
| Founded | 2016 | 2015Lower |
| Support channels | Chat, Phone, Email, Help centre | Email, Phone, Chat, Help centre |
Where each stands against the rest
| Fact | Acko | Getsafe | Median |
|---|---|---|---|
| Excess from | Not confirmed | €0below the median | €70 |
Median across 68 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.
Getsafe
Pros
- Premiums start at €2.90, below the site median of €8.37.
- The excess starts at €0 on liability cover, so a claim need not reduce a payout.
- Monthly payments are available, and monthly lists monthly as the only payment model.
Cons
- Getsafe is a broker, so you buy cover from an insurer and the policy terms sit outside this site.
- home, dental and life does not list car, renters or landlord cover, so you would need a second provider for those.
- Monthly payments are the only option in monthly, with no annual payment to cut the cost.
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
Getsafe
Who it suits
- People living in Germany who want one app for home, dental, life, health, travel, pet and income protection.
- Expats and newcomers to Germany, since expats and seniors lists expats and seniors.
- Anyone who prefers a monthly bill and a €0 excess rather than paying a year up front.
Who should look elsewhere
- Drivers and landlords: home, dental and life has no car, renters or landlord lines.
- Anyone wanting annual payments to cut the cost, because monthly is monthly only.
- Buyers who want to contract with an insurer directly, as Getsafe is a broker.
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 | Getsafe |
|---|---|---|
| Austria | No | Yes |
| Germany | No | Yes |
| India | Yes | No |
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.
Getsafe
How much does Getsafe cost?+
Premiums start at €2.90, and the site median across listed brands is €8.37. The €0 excess on liability cover sits at the lower end too, so a liability claim does not come out of your pocket first. Actual price depends on which line you take.
Can I pay monthly instead of yearly?+
Yes, monthly payments are available, and monthly lists monthly as the only payment model. There is no annual option in the same fact, so anyone hoping to pay once a year to save on the total should look elsewhere or ask the insurer directly.
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