ACKO General Insurance is a popular digital insurer in India known for fast and paperless car insurance claims. If your car meets with an accident, you can easily claim insurance through their app or website.
This guide explains the ACKO car insurance claim process, documents, claim time, and real example in simple language.
Types of ACKO Car Insurance Claims
There are 2 types of claims:
1. Cashless Claim
- Repair your car at ACKO network garage
- Insurance company pays garage directly
- You pay only deductible amount
ACKO even offers car pickup within 60 minutes and doorstep delivery in select cities.
2. Reimbursement Claim
- Repair car at any garage
- Pay repair bill yourself
- Upload invoice on ACKO app
- ACKO reimburses money to your bank account
Step-by-Step ACKO Car Insurance Claim Process
Follow these steps after accident:
Step 1: Inform ACKO Immediately
You can inform through:
- ACKO Mobile App
- Website
- Customer Care
Keep these ready:
- RC book
- Driving license
- Policy details
Step 2: Register Claim Online
Login to:
ACKO App → Select Policy → Click Claim
Fill:
- Accident date
- Damage details
- Photos
Step 3: Car Inspection
ACKO will:
- Inspect car digitally or physically
- Approve repair estimate
Step 4: Repair Your Car
Two options:
Cashless:
- Repair at network garage
- ACKO pays directly
Reimbursement:
- Repair anywhere
- Upload invoice
Step 5: Claim Settlement
ACKO settles claim:
- Within 8-10 working days after document submission
- Simple claims may settle within 3-15 days
Real Life Example
Rahul from Guwahati had an accident.
Damage:
- Bumper broken
- Headlight damaged
Repair cost: ₹32,000
Process:
- He registered claim on ACKO app
- Car picked up next day
- Repaired at network garage
He paid only:
₹2,000 deductible
ACKO paid:
₹30,000
Claim settled in 7 days.
Documents Required
Basic documents:
- RC book
- Driving license
- Policy copy
- Repair bill
- Bank details
ACKO will inform if additional documents needed.
ACKO Claim Settlement Ratio
ACKO is among top insurers in India with over 99% claim settlement ratio, showing strong reliability.
Tips to Get Fast Claim
Follow these:
✔ Inform immediately
✔ Take accident photos
✔ Do not repair before approval
✔ Choose cashless garage
✔ Submit documents correctly
When Claim Can Be Rejected
Reasons:
- Drunk driving
- Expired policy
- No driving license
- Wrong information
Conclusion
ACKO car insurance claim process is:
- Fast
- Digital
- Easy
- Paperless
You can settle claim within:
3 to 10 days in most cases.