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Apart from financial security, Insurance brings peace of mind. However, it is important to make sure that you remember to renew the insurance before it expires, risking your peace of mind. Renewing insurance is as important as buying one. This article will walk you through the significance and benefits of car insurance renewal from Acko.

ACKO general Insurance was founded in 2016, and since then they have established a reputation in the industry. Acko uses a digital-first approach which means the whole process of insurance purchase or renewal is done through their app which allows them to work more efficiently. Acko holds the confidence of customers for instant claim settlement.

Consequences of Not Renewing Your Car Insurance Policy

If your policy expires without renewing it, the insurer's promise to cover is nullified as well which creates a financial risk for you. If you immediately renew your policy after realising it has expired, there is nothing to lose. But if you don’t renew it there are consequences to face such as:

  1. No Claim Bonus (NCB) Loss: You will lose your bonus of no claim if you forget to renew your policy. Your NCB is the biggest discount on premium giving up to 50% discount.
  2. Legal Trouble: A third-party liability insurance policy is mandatory by the government. Not renewing insurance can lead to a penalty.
  3. No Cover and Claim: If anything happens to your car after the insurance expiry, you won't be subjected to any cover or claim.
  4. Scope for Inspection: If you miss the opportunity to renew your policy on time, there is a high chance that an inspection of your car will be arranged. This is done to test the condition of your car which influences the premium, and the cost of inspection is also added to the premium. Overall you will have to pay a higher premium.
  5. Longer process: In case the insurer arranges an inspection, your process of renewal will be much longer and the time of your car without insurance will increase.

Advantages of Renewing Your Car Insurance With Acko

Among the various benefits of renewing your car insurance with Acko, some are listed below:

  1. Digital Process: The Acko app hosts the whole process which means you don't have to go out, sign papers, or wait in queues. Everything is done on your mobile app.
  2. Fast Process: Acko is known for ultra-fast renewals through your mobile application.
  3. Rapid claim settlement: Due to the technology-based system, Acko ensures to settle your claim quickly.
  4. Value-added service: With services like one-day pickup and instant repair, getting insurance from Acko is very smooth and hassle-free.
  5. Customer Support: A team of advisors is there to help you understand policies and find the one that fits you.

Acko Car Insurance Renewal Dates and Reminders

Don't know when to renew your car insurance? Let us tell you

How to Check the Renewal Date?

Below mentioned are ways to check your renewal date.

  • Check your policy: The expiry date must be mentioned on your previous car insurance papers. Ideal renewal date is the next day of the date of expiry.
  • Check on InsuranceDekho: You can go to our website and check when is your active insurance expires. You can do by entering the details of your car and you will get access to the policy insights.
  • Customer Support: Customer support of InsuranceDekho will help you to check your policy expiry dates. Contact our Customer Support on 755 1196 989.

Note: In case you forget to renew your Acko car insurance policy on the expiry date, you can still renew it during the Grace Period provided by the insurer to avoid a gap in your coverage.

Reminder Options

Given below are options to get reminders to help you track and plan your policy.

  • InsuranceDekho Reminder: InsuranceDekho provides reminders on your policy by WhatsApp text or email.
  • Email or SMS by Insurer: You can also expect renewal reminders directly from Acko or your current insurer via emails, or SMS alerts.

Documents Required for Renewal

If your previous insurer was Acko and you wanted to renew the policy from Acko, the documents required would be minimal. However, if you are transferring your insurance from some other insurer to Acko, then you might need more documents.

If you are transferring your insurance to Acko then you would need the following documents:

  • Drivers Licence
  • Registration certificate of Car
  • Insurance papers of previous insurance
  • Vehicles mileage

Optional Documents:

  • Claim history of the car
  • Your car maintenance history
  • Vehicle ownership information ( in case you are not the registered owner)

How to Renew Your Acko Car Insurance Policy?

To renew your car insurance with Acko, follow the given steps:

Step 1: Download the Acko App on your mobile or visit their official website.

Step 2: Select car insurance.

Step 3: Enter car details > Select Plans > Select Add-ons > Enter personal details and Checkout by paying.

Due to Acko’s digital foundation, you can not purchase car renewal through an offline approach.

Online Payment Options for Acko Car Insurance Renewal

You can choose to make the payment using any of the following modes:

  • EMI (Equated Monthly Instalments) or yearly payment
  • Credit Card
  • Debit Card
  • Netbanking
  • UPI
  • Wallets

Acko Car Insurance Renewal through InsuranceDekho

Since Acko is not flexible due to its digital-first approach, Renewing through InsuranceDekho brings you many benefits including the option of an offline approach.

To get Insurance offline you can contact InsuranceDekho customer support and we will schedule a home visit with our relationship manager who can guide you throughout the process.

Helpline Number: 755 1196 989

Note: Port Feature: If dissatisfied, we offer a port facility to you that allows you to change your insurance provider.

Factors Affecting Car Insurance Renewal Premium

Car Insurance renewal premiums are calculated based on the following factors:

  • Make, Model, Variant: These factors play a crucial role in calculating your car premium. Cars with powerful engines like sports cars and luxury cars usually have higher premiums.
  • IDV (Insured Declared Value): This value plays a huge role in influencing your premium. It is the estimated value of your car at the time of insurance renewal. It considers the car's market cost, depreciation value, and condition of the car.
  • Registration year: Old cars can cost less to repair than new cars with the latest technology. The premium usually decreases with the age of the cars.
  • No Claim Bonus (NCB): The duration of your claim-free period influences your NCB, a longer duration would mean a higher bonus.
  • Add-ons: Add-on covers like zero-depreciation and roadside assistance give more benefits, but also increase premiums.

Things to keep in mind while Renewing Your Car Insurance

Keep these points in mind while you proceed with the renewal of your car insurance.

  • Age of Car: As your vehicle gets older, the possibility of a higher renewal premium increases.
  • Inflation Impact: Insurance companies keep varying their premium amounts, this is majorly due to inflation. Hence the premium you will pay to renew may differ from your previous policy.
  • Claim History: Your claim history affects your premium, especially if you have made costly claims.

Grace Period for Acko Car Insurance Renewal

Acko provides a grace period after the expiry of the policy to renew your car insurance. This period is different for different policies but usually, Acko provides a grace period between 30 to 90 days. which means if you renew your policy within 30 to 90 days after expiry, you will get the benefits of renewal like A No Claim Bonus, and won't have to face the consequences such as inspection.

Note: The grace period does not mean the car is insured during that period, it just gives extra time to renew the policy.

Acko Car Insurance Renewal: Customer Support & Assistance

If you require any assistance or further details on the car-renewal policy, you can contact InsuranceDekho. Our team is available for your help 24X7.

Email: support@insurancedekho.com

Helpline Number: 755 1196 989

If you want, you can contact Acko directly by accessing their mobile app or their official website

Explore Acko Car Insurance

Must Read Articles before buying Acko Car Insurance

Acko User Reviews

4.8
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391 User reviews
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What users are saying
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  • Flood Damage Repair

    My car was damaged due to the floods last month in my state. Fortunately, I had Acko car insurance and it helped me financially to get my car repaired. My claim was approved after a smooth process and my car was repaired at a cashless garage. I have no complaints with the services provided by Acko. Although the condition of my car before repairing was really bad, Acko claim settlement process returned my car in 4 days and it looks brand new now. Thanks to InsuranceDekho for suggesting Acko for their reliable services.

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    By Nilutpal Das
    On: July 12, 2024
  • Perfect mobile app

    I recently switched my car insurer to Acko and I have to say that their digital approach is highly convenient for users. The mobile app is filled with so much functions that I don't even feel the need to reach out to customer support. Thanks to InsuranceDekho for completely changing my customer experience by recommending Acko car insurance.

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    By Rochisha Girotra
    On: July 1, 2024
  • Smooth Claim Process

    My new car got a dent due to a small accident with a scooter on the streets. Thanks to Acko car insurance my claim process was very smooth and I got my car repaired in a very short time period. InsuranceDekho guided me in regards to selecting a suitable insurer.

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    By Umar Waris
    On: June 28, 2024
  • Live Repair updates

    My car was taken to a garage by Acko within an hour of filing a claim. The speed of work was very impressive and the best thing was that I was receiving regular updates on my WhatsApp. Within a few hours my car was delivered, completely washed and sanitised it looked like a new car. Thanks to InsuranceDekho for understanding my requirements and suggesting a perfect insurer for car insurance.

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    By Sriram Subramaniam
    On: June 27, 2024
  • Smooth Renewal Process

    It was near the end of the financial year and I was caught up with so much work that I almost forgot to renew my Acko car insurance. Only after renewing I realised how easy it was to renew insurance with Acko with their app. I tied up with Acko after spending time analysing best insurance plans from InsuranceDekho so got to appreciate them for that.

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    By Mayank Gupta
    On: June 26, 2024
  • Customer support

    I had many doubts regarding my policy documents and Acko customer support was very helpful. Suresh from the customer support team was very kind and patient. InsuranceDekho helped me pick Acko and I'm more than satisfied with it.

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    By Anshika Thakur
    On: June 24, 2024
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    InsuranceDekho helped me a lot in selecting the best plan. I had never purchased insurance, so I was very picky with my choices and the quotes provided by InsuranceDekho. I chose to go with Acko comprehensive motor insurance and had a smooth and easygoing experience with the process.

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    By Faisal Rizvi
    On: June 19, 2024
  • Excellent cashless claim

    My car was damaged by a small accident. I came home and intimated the claim using the mobile app and within 60mins the pick up was arranged. It took a day for them to repair and I could track details of repair on whatsapp. InsuranceDekho helped me make a wise decision.

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    By Manjeet Singh
    On: June 17, 2024
  • Great deals

    I realised very late that the premium of my last car insurance was really expensive so i decided to renew my car insurance through InsuranceDekho. They provided all the policies of all mainstream insurance providers and it was very easy to figure out which was the most reasonably priced. I got my car insurance from Acko and their services are worth applauding especially due to the ease of communicating through the app.

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    By Aastha Thakur
    On: June 11, 2024
  • Quick claims settlement proces...

    I used InsuranceDekho to compare comprehensive car insurance policies. It gave me some metrics to consider while choosing an insurer. I decided to buy it from Acko and I have not regretted it. The Acko mobile app is very convenient and is a hub of all activities. I made a claim a week ago due to a small accident. Acko customer support was very clear and dedicated to settling my claim ASAP!

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    By Daaniyah Khan
    On: June 10, 2024
  • Easy Buying Process

    It was really easy to pick the right insurance within a few minutes. I just bought a car insurance by Acko through Insurancedekho. The procedure was very short and smooth.

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    By Mannu jaiswal
    On: March 2, 2024
  • Quality Repairs, Every Time

    When I bought the Acko Car Insurance Policy from InsuranceDekho for my Chevrolet car, I found that the cashless garages associated with the policy consistently provide quality repairs, ensuring my car is in top condition.

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    By Nitish Hanspal
    On: November 21, 2023
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    Third-party coverage that I took with the Acko Car Insurance Policy for my Nissan car is the perfect blend of compliance and budget-friendliness. I have to day that InsuranceDekho offers policies that make it easy to fulfill your legal obligations without straining your finances.

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    By Sahil Sheikh
    On: November 16, 2023
  • No Worries About Repair Costs

    With being able to add the benefits own damage coverage to my already existing Acko Car Insurance Policy from InsuranceDekho, I don't have to worry about repair costs for my Toyota car in case of an accident. It's a financial safety net.

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    By Umang Giyal
    On: November 2, 2023
  • Effortless Car Insurance Renew...

    InsuranceDekho made my Acko Car Insurance Policy’s renewal process effortless. Their user-friendly platform and quick service saved me time and ensured that my Ford car stayed protected.

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    By Ritu Chandha
    On: October 18, 2023
  • Convenient Claim Tracking

    InsuranceDekho's online claim tracking system is convenient. I could easily check the progress of my claim of my Hyundai car that I file for the Acko Car Insurance Policy and stay updated on its status.

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    By Tarun Yadav
    On: October 16, 2023
  • Responsive Customer Support fo...

    The customer support team at InsuranceDekho is responsive and helpful. They've been quick to assist whenever I've had questions or needed help with my coverage of the Acko Car Insurance Policy for my Renault car.

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    By Bilal Reshamwala
    On: October 12, 2023
  • User-Friendly Renewal Portal

    InsuranceDekho's online renewal portal is user-friendly and efficient. I was able to renew my Acko Car Insurance Policy in just a few clicks. It's a convenient way to ensure that my Tata car stays protected on the road.

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    By Pallavi Thukral
    On: September 27, 2023
  • Quick and Fair Settlement

    InsuranceDekho's claim settlement process was surprisingly fast. When my Chevrolet car was involved in an accident, the Acko Car Insurance Policy ensured that the repair costs were settled fairly and promptly. I didn't have to fight for my rights; they handled everything efficiently.

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    S
    By Sheetal Tyagi
    On: September 25, 2023
  • Value for Money Protection

    I believe InsuranceDekho's own damage coverage offers excellent value for money. The Acko Car Insurance Policy is an investment in the safety of my Honda car.

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    By Abeer Singh
    On: September 21, 2023
  • Great Customer Support

    InsuranceDekho's customer support team was excellent. They patiently explained the benefits of their zero depreciation Acko Car Insurance Policy, ensuring I made an informed choice for my Kia car.

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    By Shabnam Allam
    On: September 15, 2023
  • Responsive Customer Support

    InsuranceDekho's customer support team was responsive and helpful. They assisted me with my Acko Car Insurance Policy’s third-party feature queries and provided clear information that I needed for my Nissan car.

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    By Rachit Agarwal
    On: September 13, 2023
  • Cashless Garages: A Lifesaver ...

    InsuranceDekho's cashless garages were a lifesaver when I had an accident. I am so glad that on time I bought the Acko Car Insurance Policy for my Mercedes-Benz. I didn't have to worry about upfront payments, and the service was prompt.

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    By Mona Roy
    On: September 11, 2023
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    InsuranceDekho's fair assessment of claims for the Acko Car Insurance Policy for my Chevrolet car and timely payments showcase their commitment to customer satisfaction. I'm impressed by their professionalism.

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    On: September 5, 2023
  • Comprehensive Support

    InsuranceDekho's Comprehensive Coverage that comes with the Acko Car Insurance Policy that I bought for my Renault car offers comprehensive support when I need it most. Their 24/7 assistance ensures that help is always just a phone call away.

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    By Nivedita Ghosh
    On: September 1, 2023
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    InsuranceDekho's zero depreciation policy gives me confidence while driving. I know that my Skoda car is fully protected with the Acko Car Insurance Policy, no matter what happens.

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    Thanks to InsuranceDekho's third-party coverage, I can drive my Mercedes-Benz with confidence, knowing I'm financially protected against any third-party claims with the Acko Car Insurance Policy.

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    On: August 24, 2023
  • Prompt Response and Quick Appr...

    I was impressed with the prompt response and quick approvals from InsuranceDekho's team for my cashless garage claim for the Acko Car Insurance Policy that I filed for my MG car. It shows their commitment to customer satisfaction.

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    By Arvind Bhatia
    On: August 22, 2023
  • Convenient Renewals for Zero D...

    I find it convenient to renew my zero depreciation coverage for my Acko Car Insurance Policy with InsuranceDekho. They make the process quick and hassle-free. Always with peace of mind that my Maruti car is always secured and taken care of.

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    InsuranceDekho's own damage insurance provides comprehensive coverage under the Acko Car Insurance Policy for my Nissan car. I feel secure knowing that my vehicle is protected in case of any damage.

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Acko Reviews

Acko Car Insurance Renewal FAQs

  • Can I pay my car insurance renewal fee by cash?

    No. Acko General Insurance does not accept payment in cash for renewal or purchase of a car insurance policy. You can pay the renewal fee using a debit/credit card, Net Banking or through cheque.

  • Can I renew my car insurance policy with the Acko app?

    Yes, you can easily renew your car insurance policy using the ‘Acko Car and Bike’ app. The app is available for download in Google Playstore as well as in App Store.

  • My existing car insurance policy is about to expire. How can I buy a new policy from Acko?

    You can renew your existing car insurance policy (Acko or non-Acko) from Acko’s official website. If your existing car insurance policy is not with Acko General Insurance and it is going to expire in less than 60 days, you can buy an Acko General Insurance car insurance cover. And if your existing policy is due for expiry after 60 days, you can use Acko’s ‘Buy Later’ feature which will remind you about your policy renewal in due time.
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