Is Acko Bike Insurance Available For All Types Of Bikes?

Is Acko Bike Insurance Available For All Types

ACKO bike insurance has become a popular choice among two-wheeler owners seeking reliable and affordable insurance policies. With the rise of digital-first insurance companies, ACKO has distinguished itself by offering streamlined services tailored to modern consumers’ needs. 

This article provides an overview of ACKO bike insurance, explores its features, and answers the crucial question: Is ACKO bike insurance available for all types of bikes? Additionally, it outlines the steps involved in acquiring or renewing ACKO bike insurance.

What is ACKO Bike Insurance?

ACKO bike insurance refers to the two-wheeler insurance policies offered by ACKO General Insurance, a new-age online insurance provider in India. The company simplifies the process of buying and maintaining bike insurance through a digital-first approach. 

With ACKO, policyholders can enjoy a seamless interface, minimal paperwork, and user-centric services, making it an attractive option for today’s digitally savvy consumer.

Features of ACKO Bike Insurance

  1. Digital-First Approach: ACKO eliminates traditional paperwork. Everything from application to claim processing is handled online, which speeds up procedures and increases convenience.
  2. Instant Policy Issuance: You can receive your bike insurance policy instantly via email upon completion of the online application process, which means there’s no waiting period.
  3. Competitive Pricing: Due to lower operational costs associated with the digital model, ACKO offers competitively priced insurance premiums compared to traditional insurers.
  4. No Claim Bonus (NCB): ACKO rewards safe drivers by offering a No Claim Bonus for each claim-free year, which can significantly reduce renewal premiums.
  5. Hassle-Free Claims Settlement: The claims process with ACKO is quick and hassle-free, often requiring just a few clicks on the app or website to initiate a claim.

Is ACKO Bike Insurance Available for All Types of Bikes?

ACKO bike insurance is designed to be inclusive, but here are some specifics regarding the types of bikes that can be insured:

  1. Variety of Bikes Covered: ACKO provides insurance policies for a wide range of two-wheelers including scooters, commuter bikes, sports bikes, and high-end motorcycles. This broad coverage makes it accessible to most bike owners.
  2. Age of the Bike: Insurance coverage is available for new bikes as well as older models. However, the age of the bike can affect the insurance premium and terms of coverage, with older bikes potentially attracting higher premiums due to a higher risk of failure and parts replacement.
  3. Usage Type: ACKO offers policies that cater to both personal and commercial use bikes, although the coverage details and premiums may vary depending on how the bike is used.
  4. Geographical Reach: While ACKO strives to provide extensive coverage, availability can vary by geographic location based on local regulations and company policy. It’s best to check if your area is covered through the ACKO website.

How to Get ACKO Bike Insurance?

Obtaining bike insurance from ACKO is a straightforward process:

Step 1: Visit the ACKO Website or App

  • Access: Start by visiting ACKO’s official website or downloading the mobile app.

Step 2: Enter Your Bike Details

  • Input Information: Provide details about your bike such as make, model, year of manufacture, and registration number.

Step 3: Choose the Type of Insurance

  • Select Coverage: Decide whether you need third-party liability only or a comprehensive insurance policy. ACKO also provides the option to include add-ons like zero depreciation cover.

Step 4: Get Premium Quote

  • Receive Quote: Based on the information provided, ACKO will generate a premium quote. Review the quote and the coverage details carefully.

Step 5: Complete the Payment

  • Make Payment: If you agree with the quote, you can proceed to make the payment online.

Step 6: Policy Issuance

  • Receive Policy: Once the payment is processed, your insurance policy will be issued and sent to you via email instantly.


ACKO bike insurance provides a modern solution to bike insurance with its digital-first approach, making it a suitable option for nearly all types of bikes. Whether you own a basic scooter or a high-end sports bike, ACKO’s range of products and easy-to-use service platform make it an excellent choice for securing your two-wheeler. 

Remember, the right insurance policy not only complies with legal requirements but also brings peace of mind, ensuring you are covered in any eventuality. For those looking into bike insurance renewal or new policy purchase, ACKO offers a blend of convenience, affordability, and comprehensive coverage.

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