Updated October 21, 2026 · SumCue Editorial Team
Acko vs DirectAsia
Acko
Higher score in this comparison
DirectAsia
Acko vs DirectAsia: the differences
| Compare | AckoReviewVisitVisit | DirectAsiaReviewVisitVisit |
|---|---|---|
| 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 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.
DirectAsia
DirectAsia suits drivers and travellers in Singapore seeking cover from a direct carrier under insurer with a focused range covering auto, motorcycle and travel. Travel plans include SGD 500,000 overseas medical which gives higher overseas medical scope for your household needs across the year.
Score breakdown
| Area | Acko | DirectAsia |
|---|---|---|
| Cost | 9.3HigherRanks 85 of 251 brands on premium from, against a €7.95 median across insurers. | 9.2Excess starts at SGD 30 keeping entry costs clear on relevant travel plans |
| Offer | 9.2Higher | 8.9Eligibility spans 15 days to below 81 years giving wide scope for family travel |
| Trust | 8.9 | 9.1HigherSingapore base shown by SG with roots since 2010 |
Where they rank in our lists
| Ranking | Acko | DirectAsia |
|---|---|---|
| Insurance | 27 of 627 | 35 of 627 |
| Car insurance | 11 of 279 | 15 of 279 |
| Travel insurance | 16 of 278 | 22 of 278 |
What each covers
| Insurance types | Acko | DirectAsia |
|---|---|---|
| Auto | Yes | Yes |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Motorcycle | Yes | Yes |
| Critical illness | Yes | No |
Availability and regulation
| Country | Acko | DirectAsia |
|---|---|---|
| India | IRDAI 157 | Not confirmed |
| Singapore | Not confirmed |
Additional countries for Acko: 1. Additional countries for DirectAsia: 1.
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 | ₹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
DirectAsia
Pros
- Direct cover as an insurer under insurer with motor and travel options in auto, motorcycle and travel
- Overseas medical scope reaches SGD 500,000 overseas medical for trips where health costs matter
- Family travel notes seniors in seniors alongside broad eligibility
Cons
- Range stays centred on auto, motorcycle and travel while Linxea focuses on life for life savings
- Support runs on phone, email and help centre only, which may feel limited if you prefer chat
- Travel excess applies at SGD 30 so small claims may bring little payout
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
DirectAsia
Who it suits
- Drivers and riders who want motor cover in auto, motorcycle and travel rather than the health led shelf of Oney Préstamos
- Families arranging travel with seniors noted in seniors rather than the account linked travel of bunq Spain
Who should look elsewhere
- If you want life savings cover, Linxea may fit better with life rather than motor and travel
- If you want health or gadget protection, Oney Préstamos may fit better with health, life and gadget
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
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).
DirectAsia
What types of insurance does DirectAsia offer?+
DirectAsia lists cover for auto, motorcycle and travel. That focused choice suits you if your main needs are a car, a motorbike or a holiday, rather than home or life cover.
How much overseas medical cover can you get?+
Travel cover includes SGD 500,000 overseas medical. That level suits you if overseas hospital bills are your main worry, though you should still check sub limits and exclusions in the wording.