ACKO Bike Insurance – A Complete Guide for Two-Wheeler Owners

If you own a two-wheeler, it is arguably the easiest way to navigate through the busy roads of India. While you are enjoying the experience of riding your bike, you also need to assure the safety of yourself, your bike and others on the road. This is where bike insurance comes into play and ACKO General Insurance is one of the fastest-growing insurers in India because it has leaned fully into the digital first strategy, affordable premiums and fuss-free insurance.

This article is a complete guide to ACKO bike insurance and gives an overview of its features and benefits, its plans/support, the claims process, and why it may be right for you.

1.Introduction to ACKO General Insurance

Established in 2016, ACKO General Insurance is India’s first fully digital insurance provider. ACKO doesn’t use middlemen or branch officers which ultimately brings down operational costs, allowing them to share that savings with their customers through low premiums and less hassle.

For owners of two-wheelers, ACKO provides simple, paperless, policies accessible for purchasing or renewing in a matter of seconds using their mobile app or the website. As such ACKO bike insurance is an ideal policy for younger, tech-savvy riders who also appreciate a good deal.

2.Why Bike Insurance Is Important in India

1,Legal Requirement: In other words, if you are riding a bike in India, by law under the Motor Vehicles Act, 1988, you must have at a minimum a third-party liability policy for the bike.
2, Financial Protection: It protects you against repair costs, medical expenses or third-party claims for accidents.
3. Theft or Natural Calamities: A comprehensive policy would offer protection against losses as a result of theft, fire or even far worse like natural calamities such as floods or earthquakes.
4. Peace of Mind: It is always best to have confidence in and/or assurance that you have a financial back up, while you are riding freely to know that you are covered.

3. Types of ACKO Bike Insurance Plans

To put it simply, ACKO offers two types of two wheeler insurance plans.

(a). Third-party liability insurance

When a third-party liability claim goes through:
Compensation for injury or death to a third-party.
Compensation for damage to someone else’s vehicle or property.
Does not compensate for damage to the bike itself.
The cheapest, and mandatory by law.

(b) Comprehensive Bike Insurance

Protects against your liabilities to a third party and damage caused to your own bike.

It will also cover accidents, theft, natural disasters and fires.

And you are able to enhance your coverage by purchasing add-ons.

4. Key Features of ACKO Bike Insurance

100% online. No paper or physical inspections will be conducted, all exchange is online.

Instant policy. You can buy and renew your policy in a matter of minutes.

Low premiums. Because ACKO does not have agents, we are lower than what insurance companies could offer with their agent business model.

No claims bonus (NCB) – savings obtained from not filing a claim are passed on to you in the form of lower premiums every year.

24×7 Claims Support – Claims should be easy, transparent, and seamless.

A Cashless garage – Many tie-ups with garages allows for a cashless service.

Flexible Plans – ACKO will allow the consumer coverage for basic third party insurance while also offering comprehensive coverage, allowing you to really personalize your plan.“Insurance Bundling and Saving Hacks

5.Add-On Covers Available with ACKO

ACKO provides optional add-on coverages for an additional premium to provide even further coverage.

1. Zero Depreciation Cover – This add-on will allow you to make a claim without factoring in depreciation.

2. Roadside Assistance – This will provide help if you run out of fuel, get a flat tire, a battery breakdown, etc.

3. Engine Protection Cover – If your engine is damaged from water ingestion or oil leakage, this add-on will provide repair/ replacement.

4. Personal Accident Cover – This will ensure that you have financially recovered in the case you encounter a disability, or lose life due to an accident.

5. Consumables Cover – This covers consumables such as nuts/ bolts/ oil etc.10 Money-Saving Secrets You 

6.Benefits of Choosing ACKO for Bike Insurance

– Cost Effectiveness – Coverages are around 30-40% less than traditional insurance.
– No Hassel- purchase, renew and claim on your policy, with never stepping into an office.
– Quick Claim- Minor accident complaints are usually paid with 1 hr of claim being submitted.
– Transparency- no hidden/ extra costs; you will always know what you are paying for.
– Customisation- you will have the option for additional coverages to follow different plans.
– Trust- there are seasoned investors backing the company, and it is rapidly scaling in the Indian Insurance

7.Exclusions in ACKO Bike Insurance Policies

Just like the other OIS insurers, ACKO has exclusions as well. The following are excluded:

Riding without a licensed operator.

Driving while intoxicated (alcohol or drugs).

Normal wear and tear of parts.

Mechanical or electrical failure.

Damage occurring beyond the geographical limits of India.

Racing of any kind that is unauthorized or commercial.

8. How to Buy ACKO Bike Insurance Online

Purchasing bike insurance with ACKO is straightforward and fully digital.

Visit ACKO’s site or app.

Enter the details of your bike (registration number, make, model, manufacture year, etc.).

Choose your plan (third party or comprehensive).

Include any add-ons if necessary.

Make your payment digitally.

Your policy will be emailed to you immediately and all done without paperwork.

9. Renewal Process for ACKO Bike Insurance

In general, a two-wheeler policy tends to last for one or three years. At a glance, here is how simple it is to renew an expiring policy with ACKO:

Log into your ACKO account.

Select the expiring policy.

Amend/add covers as needed.

Pay the premium using one of the offered online payment methods.

Your policy will arrive shortly in your inbox. Multi-Policy Insurance Discounts 

10. Step-by-Step Claim Process with ACKO

ACKO has arguably one of the best claims process any insurance policy will likely offer:

Raise a claim: Go to the ACKO app/web and raise a claim online.

Upload docs: Upload the required documentation, namely, pictures of the damaged 2-wheeler.

Claim clearance: Once you raise your claim, your claim would be approved rapidly in the case of minor damages, and sometimes in a few hours.

Settlement/repairs
Cashless repairs at network garages.
In the case of a pre-repair bike (non-network garages), the reimbursement process.

11. Documents Required for Bike Insurance Claims

Policy document.

Driving License.

Your motorcycle registration certificate.

FIR (in case it’s been stolen, or if serious accident).

Pictures of the damaged motorcycle.

12. Tips to Lower Your ACKO Insurance Premium

You might avoid an increase in your premium every year by taking out a multi-year insurance policy.

You might have a clean claims history that could entitle you to a no claims bonus.

You might also qualify for a discount by installing a motorcycle endorsed deterrent such as a lock or GPS.

It is recommended that you renew your policy on time to ensure no gap in coverage.

You could also consider not making small claims to encourage your no claims bonus or maintain a clean claims history.

13.ACKO vs Traditional Bike Insurance – A Comparison

14. Who Should Buy ACKO Bike Insurance?

A new owner seeking basic and affordable policy.

Young professional and students wanting the comfort of instant and digital experience.

A rider who prefers a lower premium.

An experienced rider looking for full cover + add ons.

15. Conclusion – Why ACKO Is a Smart Choice for Riders

ACKO bike insurance has transformed the Indian thinking on insurance – it’s economical, quick and simple. By removing the middlemen from the whole chain, ACKO makes it possible to protect your two-wheeler with low premiums and a paperless claims process.

Whether you are a rider looking for bare essential coverage or full protection with add ons, you can find a fitting policy from ACKO. In a country where a two-wheeler is not just transportation, but a lifeline, it is refreshing to find practical and affordable insurance like ACKO that provides satisfaction to the rider.

Know more;Who Owns Acko Insurance? Varun Dua’s Shocking Rise & Investor Secrets Revealed (2025)