Updated September 28, 2026 · AssureCue Editorial Team
Acko vs TIPINSURE
Where Acko and TIPINSURE differ
| Compare |  Acko |  TIPINSURE |
|---|---|---|
| Premium from | ₹457 | THB 699 |
| Insurance types | Auto, Motorcycle, Health, Life, Travel, Critical illness | Auto, Home, Travel, Health, Pet, Motorcycle, Critical illness |
| Cover limit | INR 25 lakh to INR 100 crore (term life) | 500,000 THB |
| Claims channels | Online app and website, Cashless at network garages | Phone, App, Online |
| Age range | 18 years and above | 20-60, renewable to 64 |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- TIPINSURE scores higher overall: 9.3 vs 9.1.
- Founded is lower at TIPINSURE: 1951 vs 2016.
- Insurance types: only Acko offers Life.
- Insurance types: only TIPINSURE offers Home, Pet.
- Claims channels: only Acko offers Online app and website, Cashless at network garages.
- Claims channels: only TIPINSURE offers Phone, App, Online.
- 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.
TIPINSURE
TIPINSURE suits households in Thailand that want a single monthly policy across motor, home, health and critical illness cover. The starting premium of THB 699 runs well above the site median, so the cost is the trade-off to weigh.
Score breakdown
| Area | Acko | TIPINSURE |
|---|---|---|
| Cost | 9.2HigherMonthly payments are available, and the two-wheeler entry point of INR 457 sits above the site median of €8.37. | 8.9Starting premium of THB 699 sits well above the site median of €8.37, ranking 169 of 252. |
| Offer | 9.3 | 9.3 |
| Trust | 8.9 | 9.6Higher |
Licences and countries
| Country | Acko | TIPINSURE |
|---|---|---|
| India | IRDAI 157 | Not confirmed |
Additional countries for Acko: 1. Additional countries for TIPINSURE: 1.
How they place
| Ranking | Acko | TIPINSURE |
|---|---|---|
| Car insurance | 17 of 393 | 12 of 393 |
| Life insurance | 13 of 261 | 9 of 261 |
| Health insurance | 17 of 215 | 12 of 215 |
| Travel insurance | 23 of 291 | 16 of 291 |
| Motorbike insurance | 11 of 120 | 8 of 120 |
| Critical illness cover | 3 of 65 | 2 of 65 |
Every fact side by side
| Fact | Acko | TIPINSURE |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Acko Technology and Services Limited (CIN U74110KA2016PLC120161) | TIPINSURE Public Company Limited |
| Headquarters | India | Thailand |
| Founded | 2016 | 1951Lower |
| Support channels | Chat, Phone, Email, Help centreCovers more | Phone, Chat, 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.
TIPINSURE
Pros
- Monthly payments are available, so cover is paid for as the policy runs
- Insurance types span auto, home, travel, health, pet, motorcycle and critical illness
- Claims can be started by phone, in the app or online
Cons
- The starting premium of THB 699 sits far above the site median of €8.37
- Support runs on phone, chat and help centre only, with no email listed
- Critical illness cover is capped at 500,000 THB
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
TIPINSURE
Who it suits
- Households wanting a single monthly policy for motor, home and health cover
- Adults aged 20-60, renewable to 64 looking for a lump sum critical illness payout
- Motorcycle and pet owners who want cover from the same insurer
Who should look elsewhere
- Good Sam Insurance Agency, if you need life and renters cover in the same policy
- Euroasia Insurance, if a lower starting premium matters most
- bunq, if you are comparing banking accounts rather than insurance
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
TIPINSURE
Current offer
Bonus
TIP PET BUDDY: owner pays 50%, insurer pays the other 50% of veterinary treatment: 50% co-payment on veterinary costs up to 50,000 baht
Selected plan; 60-day waiting period for general illness; pets aged 3 months to 7 years
Source, checked September 26, 2026
Country by country
| Country | Acko | TIPINSURE |
|---|---|---|
| India | Yes | No |
| Thailand | 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.
TIPINSURE
What does TIPINSURE cost to start?+
The starting premium is THB 699. That is well above the site median of €8.37, and the site pokes 252 brands ranked on this figure, placing TIPINSURE at 169.
How do I pay for cover?+
TIPINSURE offers monthly payments, so premiums are spread across the policy year instead of paid in one sum. Payment is a yes on the monthly payments point for this brand.
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