Updated September 28, 2026 · SumCue Editorial Team
Acko vs Compass
Acko
Compass
Higher score in this comparison
Where Acko and Compass differ
| Compare | AckoReviewVisitVisit | CompassReviewVisitVisit |
|---|---|---|
| Insurance types | Auto, Motorcycle, Health, Life, Travel, Critical illness | Home, Home emergency, Health, Travel, Pet |
| Provider type | Insurer | Broker |
| Claims channels | Online app and website, Cashless at network garages | Phone, Email, Online portal, Post |
| Age range | 18 years and above | 18+ (resident in Italy) |
| Premium from | ₹457 | Not confirmed |
| Cover limit | INR 25 lakh to INR 100 crore (term life) | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- Compass scores higher overall: 9.4 vs 9.1.
- Founded is lower at Compass: 1960 vs 2016.
- Insurance types: only Acko offers Auto, Motorcycle, Life.
- Insurance types: only Compass offers Home, Home emergency, Pet.
- Claims channels: only Acko offers Online app and website, Cashless at network garages.
- Claims channels: only Compass offers Phone, Email, Online portal.
- Support channels: only Acko offers Chat, Email.
- Pricing model: only Acko offers Monthly.
- Pricing model: only Compass offers Fixed rate.
Our verdict on each
Acko
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.
Compass
Compass is a bank-direct lender for Italian residents, and it is a poor fit for you if you need to check rates without a hard credit check. hard stands, and 7.38% to 15.84% sits well under the 15.5% typical of the wider market, with free early repayment on every loan.
Score breakdown
| Area | Acko | Compass |
|---|---|---|
| Cost | 9.3HigherRanks 85 of 251 brands on premium from, against a €7.95 median across insurers. | 9.2 |
| Offer | 9.2 | 9.2Fixed-rate loans of €1,000 to €30,000 over 24 to 96, with 0 EUR for online loans from 1,000 to 5,000 EUR for online loans. |
| Trust | 8.9 | 9.6Higher |
Availability and regulation
| Country | Acko | Compass |
|---|---|---|
| India | IRDAI 157 | Not confirmed |
| Italy | Not confirmed | Banca d'Italia Albo dei Gruppi Bancari n. 1030 (Gruppo Bancario Monte dei Paschi di Siena) IVASS RUI D000203141 sez. D |
Additional countries for Acko: 1. Additional countries for Compass: 1.
How they place
| Ranking | Acko | Compass |
|---|---|---|
| Insurance | 27 of 627 | 14 of 627 |
| Health insurance | 13 of 200 | 4 of 200 |
| Travel insurance | 16 of 278 | 7 of 278 |
Side by side, item by item
| Insurance types | Acko | Compass |
|---|---|---|
| Auto | Yes | No |
| Home | No | Yes |
| Life | Yes | No |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | No | Yes |
| Motorcycle | Yes | No |
| Critical illness | Yes | No |
| Home emergency | No | Yes |
Where these facts come from
Acko
- acko.com: 13 facts, checked September 26, 2026
Compass
- compass.it: 10 facts, checked September 26, 2026
Every fact side by side
| Fact | Acko | Compass |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Fixed rate |
| Legal entity | Acko Technology and Services Limited (CIN U74110KA2016PLC120161) | Compass Banca S.p.A. |
| Headquarters | India | Italy |
| Founded | 2016 | 1960Lower |
| Support channels | Chat, Phone, Email, Help centreCovers more | Phone, Help centre |
Credit cards
| Fact | Acko | Compass |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| APR | Not confirmed | 7.38% to 15.84% |
| Rewards type | Not confirmed | Cashback |
| Features | Not confirmed | Same day funding |
| Rewards rate | Not confirmed | Cashback Base on spending above a minimum threshold |
| Perks | Not confirmed | No annual fee, Stamp duty paid by Compass, Paper and digital statement at EUR 0, Initial credit line of EUR 1,500, Issued and activated directly in branch, Visa circuit with contactless and 3D Secure, Apple Pay and Google Pay, Free SMS transaction alerts, Free 24/7 card blocking number |
| Card kind | Not confirmed | Credit |
Where each stands against the rest
| Fact | Acko | Compass | Median |
|---|---|---|---|
| Premium from | ₹457below the median | Not confirmed | ₹461 |
Median across 9 listed providers.
Pros and cons
Acko
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
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
Compass
Pros
- 0 EUR for online loans from 1,000 to 5,000 EUR for online loans of €1,000 to €30,000
- same day funding is listed, and existing app customers get a fast decision
- Free early repayment is offered, as 79.4% of the market does
Cons
- hard means applying can leave a mark on the credit file
- phone and help centre are listed, so there is no live chat on the loan side
- 7.38% to 15.84% tops out at more than twice the 7.85% low end seen across the market
Who each suits
Acko
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
Compass
Who it suits
- Italian residents in their adulthoods looking for fixed rate pricing
- People consolidating existing debts, since personal and debt consolidation are listed
- Branch customers who also want a credit card with €0
Who should look elsewhere
- Anyone who wants a soft check, because hard
- Borrowers outside Italy, since Italian or foreign citizen aged 18 to 82, resident in Italy requires residence in Italy
- Those who want live chat, because phone and help centre cover phone and a help centre only
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
Compass
Current offer
Bonus
Spese di istruttoria azzerate (Prestito Online): 0 EUR origination fee on online loans from 1,000 to 5,000 EUR
Perfezionamento via web della richiesta di Prestito Online; offer validity dates not displayed on the page
Source, checked September 26, 2026
Country by country
| Country | Acko | Compass |
|---|---|---|
| India | Yes | No |
| Italy | No | Yes |
Questions about each
Acko
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).
Compass
What rate will I pay on a Compass personal loan?+
Loans are fixed rate at an APR of 7.38% to 15.84%, and the rate you get depends on your profile. The example on file shows 7.38% to 15.84% against a fixed nominal rate, with equal monthly instalments across the term. Early repayment is free, so paying the loan off sooner costs nothing extra.
Is there an arrangement fee on a Compass loan?+
Online loans carry 0 EUR for online loans from 1,000 to 5,000 EUR. Larger amounts may be handled as a branch arrangement, where the fee is quoted separately on the offer. The credit card is a different product and its €0 is separate again.
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