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Acko review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Acko suits adults in India who want vehicle, health, life and travel cover from one digital insurer, with two-wheeler premiums from INR 457 and monthly payments available. As an insurer rather than a broker, it sets its own prices and settles its own claims.

Key facts

Best for
Households in India wanting several kinds of cover from a single digital insurer.
Premium from
₹457↗
Insurance types
Auto, Motorcycle, Health, Life, Travel, Critical-illness↗
Provider type
Insurer↗
Monthly payments
Yes↗
Cover limit
INR 25 lakh to INR 100 crore (term life)↗
Claims channels
Online app and website, Cashless at network garages↗
Age range
18 years and above↗
Legal entity
Acko Technology and Services Limited (CIN U74110KA2016PLC120161)↗
Headquarters
India↗
Founded
2016↗
Support channels
Chat, Phone, Email, Help-centre↗
Audience
Seniors
Pricing model
Monthly
Official website
acko.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • One insurer covers auto, motorcycle and health, so several policies sit with the same provider
  • Monthly payments are available, and support runs on chat, phone and email
  • Two-wheeler claims can be started online app and website and cashless at network garages
  • Term life cover of INR 25 lakh to INR 100 crore (term life) comes alongside health and travel cover

Cons

  • Policies start at a minimum age of 18 years and above, so the audience is adults
  • The premium shown at INR 457 is a starting point, and the final price depends on the vehicle and cover chosen
Acko

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Adults in India who ride a two-wheeler and want a low starting premium
  • People bundling vehicle, health, life and travel cover with one insurer
  • Seniors among the listed audience, with monthly payments to spread the cost

Who should look elsewhere

  • Customers in the UK or Europe, where bunq and bunq Spain serve European markets rather than India
  • Shoppers chasing the very lowest entry premium, since Acko ranks 85 of 251 brands on the site
  • Anyone wanting life cover alone from a euro policy, since Linxea lists premiums from €25

Safety of your money

Acko is an insurer rather than a broker, so it sets its own prices and settles its own claims. It holds an IRDAI licence for India, the market it operates in, and cover is underwritten by a single Acko company registered there rather than placed with another insurer. That means the premium you see is Acko's own price.

Who runs it

Acko is run by an Acko technology and services company based in India and founded in 2016. It holds an IRDAI licence in India, and you reach it on chat, phone and email, so help comes by chat, phone, email and a help centre. The audience is adults from a minimum age, with seniors among the groups it targets.

How Acko compares

Where Acko is available

Available
India
Licence in India
IRDAI (157), checked September 26, 2026

Countries from the brand (checked September 26, 2026)

Frequently asked questions

How much does cover cost?+

Two-wheeler premiums start at INR 457, below the €7.95 median across insurers on the site. The real price depends on the vehicle, the cover chosen and the sum insured, so treat the starting figure as an entry point rather than a quote for every policy.

Can I pay monthly instead of once a year?+

Yes, monthly payments are available on Acko policies, and 89% of the insurers on the site offer the same choice. Spreading the cost can make a larger plan easier to carry, such as term life cover, where the sum insured can run to INR 25 lakh to INR 100 crore (term life).

Who regulates Acko?+

Acko is licensed by IRDAI in India, which is also the market it operates in. The insurer is based in India and was founded in 2016, so its regulator and its customers sit in the same country. Policies are underwritten by Acko as an insurer, not placed through a broker.

How do I make a claim?+

Claims can be started online app and website and cashless at network garages, so you can report through the app or website and handle repairs cashless at network garages. That suits two-wheeler cover in particular, where a garage visit is the usual trigger. Support questions reach the same team on chat, phone and email.

What kinds of insurance does Acko offer?+

Acko covers auto, motorcycle and health, so a single insurer can handle your vehicle, health, life and travel needs. That matters if you hold more than one policy, because renewals and claims stay with the same company. The provider is an insurer, so you deal with Acko rather than a middleman.

Who is Acko aimed at?+

Acko serves adults in India, since policies start at a minimum age and seniors are listed among the audiences it targets. Monthly payments help carry a larger premium, such as a term life plan, where cover can run to INR 25 lakh to INR 100 crore (term life). The focus is Indian households rather than customers in the UK or Europe.

How do I get help from Acko?+

Support runs on chat, phone and email, so you can reach the insurer by chat, phone, email or the help centre. Phone and chat suit quick questions, while the help centre handles longer ones. The insurer holds an IRDAI licence in India and is based in India.

Sources

  • acko.com checked September 26, 2026

    Backs: Audience, Cover limit, Provider type, Headquarters, Insurance types, Legal entity, Pricing model, Monthly payments

    “Senior Citizen Health Insurance; Health Insurance for Parents”

  • acko.com/about-us checked September 26, 2026

    Backs: Founded

    “2016 ACKO was born”

  • acko.com/contact-us checked September 26, 2026

    Backs: Support channels

    “Chat now ... Available 24 x 7 ... Call our helpline ... Send us an email ... Raise a complaint through Grievance Redressal Mechanism”

  • acko.com/terms-and-conditions checked September 26, 2026

    Backs: Age range

    “The User ... is a natural / legal person who has attained the age of at least 18 years and is legally allowed to enter a contract in India”

  • acko.com/two-wheeler-insurance checked September 26, 2026

    Backs: Claims channels, Premium from

    “Claim settlement: Online with paperless and cashless experience ... Cashless repair service: Available at network garages”

  • admitad.com/en-in/store/offers/acko-bike-cps-in checked September 26, 2026

    Backs: Licences

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Acko

Acko

Households in India wanting several kinds of cover from a single digital insurer.

9.1/10Visit