Updated September 28, 2026 · SumCue Editorial Team
Acko vs Lemonade
Acko
Higher score in this comparison
Lemonade
Where Acko and Lemonade differ
| Compare | AckoReviewVisitVisit | LemonadeReviewVisitVisit |
|---|---|---|
| Premium from | ₹457 | $5 |
| Insurance types | Auto, Motorcycle, Health, Life, Travel, Critical illness | Auto, Home, Renters, Life, Pet |
| Cover limit | INR 25 lakh to INR 100 crore (term life) | Up to $100,000,000 |
| Claims channels | Online app and website, Cashless at network garages | App, Phone, Email |
| Age range | 18 years and above | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Founded is lower at Lemonade: 2015 vs 2016.
- Lemonade is available in 4 more countries.
- Insurance types: only Acko offers Motorcycle, Health, Travel.
- Insurance types: only Lemonade offers Home, Renters, Pet.
- Claims channels: only Acko offers Online app and website, Cashless at network garages.
- Claims channels: only Lemonade offers App, Phone, Email.
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.
Lemonade
Lemonade is a US insurer offering monthly policies across auto, home, renters, life and pet cover, with premiums from $5. It suits households that want one monthly model and several ways to reach support, though its quoted starting premium sits above the figures shown for the listed alternatives.
Score breakdown
| Area | Acko | Lemonade |
|---|---|---|
| Cost | 9.3HigherRanks 85 of 251 brands on premium from, against a €7.95 median across insurers. | 9.2 |
| Offer | 9.2 | 9.4Higher |
| Trust | 8.9 | 8.9 |
Where each is licensed and available
| Country | Acko | Lemonade |
|---|---|---|
| India | IRDAI 157 | Not confirmed |
Additional countries for Acko: 1. Additional countries for Lemonade: 5.
How they place
| Ranking | Acko | Lemonade |
|---|---|---|
| Insurance | 27 of 627 | 31 of 627 |
| Life insurance | 9 of 238 | 10 of 238 |
| Car insurance | 11 of 279 | 12 of 279 |
Every fact side by side
| Fact | Acko | Lemonade |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Acko Technology and Services Limited (CIN U74110KA2016PLC120161) | Lemonade Insurance Company |
| Headquarters | India | United States |
| Founded | 2016 | 2015Lower |
| Support channels | Chat, Phone, Email, Help centre | Phone, Email, Chat, Help centre |
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
Lemonade
Pros
- Premiums start at $5, and monthly payments keep the cost spread across the year.
- Monthly payments are available, so auto, home, renters, life and pet cover can be budgeted by month.
- Cover spans auto, home and renters, with life cover reaching Up to $100,000,000.
Cons
- Health and travel cover is not among its insurance types (auto, home and renters).
- Its starting premium of $5 sits above the figures shown for the listed alternatives.
- An annual single payment is not among its payment models (monthly).
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
Lemonade
Who it suits
- People who want one monthly payment model across more than one kind of personal cover.
- People buying auto, home, renters, life or pet policies from an insurer rather than a broker.
- People who want claims and support in the app as well as over the phone.
Who should look elsewhere
- bunq, which lists a starting premium of €0, is a cheaper starting point on price.
- bunq Spain, whose listed starting premium of €0 also sits below Lemonade's figure.
- Linxea, which lists a higher starting premium of €25, sits in a different price band.
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
Lemonade
Current offer
Bonus
Rover gift card for new Lemonade Pet policyholders: Rover gift card
New Lemonade pet parents only; code unlocks 2 months after the pet policy starts; one code per account; available in select states; codes expire one year from issue
Source, checked September 26, 2026
First period offer
Pet bundle discount: 10%
Bundle pet insurance with other Lemonade policies (renters, homeowners, car); applies to the base accident and illness policy and vet visit fee and physical therapy add-ons
Source, checked September 26, 2026
First period offer
Pet multi-pet discount: 10%
Policy for more than one cat or dog in the same household
Source, checked September 26, 2026
First period offer
Pet annual payment discount: 5%
Pay for the pet policy annually instead of monthly
Source, checked September 26, 2026
Country by country
| Country | Acko | Lemonade |
|---|---|---|
| France | No | Yes |
| Germany | No | Yes |
| India | Yes | No |
| Netherlands | No | Yes |
| United Kingdom | No | Yes |
| United States | 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).
Lemonade
What is Lemonade's starting premium?+
Lemonade's starting premium is $5. The provider behind it is Lemonade Insurance Company, an insurer based in the US, and that figure sits above the starting premiums listed for bunq, bunq Spain and Linxea.
Can I pay for cover monthly?+
Yes, monthly payments are available, and monthly is the payment model Lemonade lists (monthly). That runs across the auto, home, renters, life and pet policies it offers, so the premium is spread through the year.
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