The digital age has transformed how we shop, bank, and now—how we insure our vehicles. One company that has made a significant mark in this digital transformation is Acko General Insurance. Their platform offers a seamless and fully online process to insure your bike or scooter.
If you’re looking for an insurance solution that saves time, minimizes paperwork, and gives you more control, Acko two wheeler insurance is a smart choice. In this guide, we break down how to buy Acko’s policy online, and more importantly, why it benefits you as a consumer.
Table of Contents
Why Should You Choose Acko Two Wheeler Insurance?
1. Zero Paperwork – 100% Digital Experience
Unlike traditional insurers, Acko insurance for two wheelers is fully digital. There’s no need to submit physical forms or visit a branch. Every step—from entering vehicle details to receiving your policy—is online.
Consumer Benefit: Save time, skip the queues, and manage your policy anytime, anywhere.
2. Instant Policy Issuance
As soon as you complete payment, the Acko bike insurance policy is issued instantly and emailed to you. No manual approvals or unnecessary delays.
Consumer Benefit: Get covered immediately and ride with peace of mind.
3. Affordable Premiums Through a Direct-to-Customer Model
By cutting out agents and intermediaries, Acko passes on the savings to you. You deal directly with the insurer, which helps in keeping premiums lower.
Benefit to You: More savings without compromising on coverage quality.
4. Competitive Premiums with No Middlemen
Acko operates a direct-to-customer model. That means no agents, no commissions, and more affordable two wheeler insurance plans for you.
Consumer Benefit: Lower premiums without sacrificing essential coverage.
5. Customizable Plans & Add-ons
Whether you ride daily or occasionally, you can tailor your plan with flexible options including:
- Third-party liability coverage
- Comprehensive cover
- Add-ons like Zero Depreciation, Roadside Assistance, Engine Protection, and Personal Accident Cover
Benefit to You: Pay only for what you need and get exactly the coverage that matches your riding habits.
6. Wide Cashless Garage Network
Acko has tie-ups with thousands of garages across India. If you get into an accident, you can have repairs done without paying upfront at a cashless network garage.
Benefit to You: Minimize financial burden during claims; the insurer pays the garage directly.
7. Easy Renewals – Even After Policy Expiry
Need to renew Acko two wheeler insurance? The platform allows renewals in just a few clicks—even if your previous policy has lapsed. You retain No Claim Bonus (NCB) benefits and avoid inspection delays.
Consumer Benefit: Hassle-free continuity of protection without penalties.
8. Quick and Hassle-Free Claims
Claims with Acko can be initiated online or via the app in just a few taps. Their tech-enabled system allows for fast approvals and even same-day settlements in minor cases.
Benefit to You: Fewer headaches during a stressful situation—get back on the road quickly.
9. No Claim Bonus (NCB) Protection
If you haven’t claimed in the previous year, Acko offers NCB discounts on renewals. These savings can increase each claim-free year.
Benefit to You: Lower premiums over time, rewarding your safe riding habits.
10. 24×7 Customer Support
Whether you have queries before purchase or need help during a claim, Acko offers round-the-clock support via chat, phone, or email.
Benefit to You: Reliable help whenever you need it—especially useful during emergencies.
11. Best Online Two-Wheeler Insurance in India
When it comes to convenience, pricing, and ease of access, Acko is consistently ranked among the best online two wheeler insurance in India. It caters especially well to users who prefer digital interactions and quick resolutions.
Consumer Benefit: Reputed and trusted digital-first insurance provider.
Step-by-Step Guide to Buying Acko Two Wheeler Insurance Online
Step 1: Visit Acko’s Website or App
Go to www.acko.com or install the Acko app.
Step 2: Enter Your Bike or Scooter Details
Fill in details such as:
- Registration number
- Make & model
- Year of manufacture
- Fuel type
Step 3: Choose the Right Plan
Select from:
- Third-party insurance (mandatory)
- Comprehensive insurance (third-party + own damage)
- Add-ons (optional but recommended)
Step 4: Customize IDV and Add-Ons
Use sliders to adjust your Insured Declared Value and instantly view the premium changes.
Step 5: Fill in Personal Details
Provide:
- Your name, address, phone number, email
- Upload RC copy and previous policy (for NCB benefit)
Step 6: Make a Secure Payment
Choose from UPI, debit/credit cards, or net banking.
Step 7: Download the Policy Instantly
Receive your policy PDF via email and on the Acko app immediately after payment.
Required Documents to Buy Acko Two Wheeler Insurance
| Document | Purpose |
|---|---|
| Bike Registration Certificate (RC) | To confirm bike ownership |
| Previous Insurance Policy | To retain your No Claim Bonus (NCB) |
| Identity Proof (as needed) | For policyholder verification |
Pros and Cons of Acko Two Wheeler Insurance
Pros:
- Fully digital and paperless
- Affordable pricing due to no middlemen
- Fast claims and instant policy issuance
- Highly customizable plans
- Available across most Indian cities
Cons:
- Not ideal for those uncomfortable with online systems
- No physical branches for face-to-face service
Frequently Asked Questions (FAQs)
Q1. Can I buy Acko two wheeler insurance if my old policy has expired?
Yes, you can buy a fresh policy even if your previous one is no longer active.
Q2. Will I get a lower premium if I buy directly from Acko?
Yes. Direct purchase from Acko avoids agent fees, offering lower premiums.
Q3. Are digital copies valid during police checks?
Yes. Digital policies are legally valid under the Motor Vehicles Act.
Q4. Is Personal Accident Cover included?
It’s available as an add-on and strongly recommended for all riders.
Q5. What if I make a mistake while entering details?
You can contact Acko’s customer support for quick corrections.
👉 Also read: Acko Insurance Bike Policy: 2025’s Best 2-Wheeler Plan
Acko two wheeler insurance is designed for modern, digitally-savvy consumers who want more value and less hassle. In a world where convenience is key, Acko’s completely digital platform simplifies the insurance experience without compromising on quality or reliability.
Whether you’re a daily commuter, a weekend rider, or someone simply renewing an old policy, Acko offers a streamlined, intuitive process that fits into your lifestyle. With zero paperwork, instant policy issuance, and easy customization, it removes the traditional friction of buying two wheeler insurance.
What truly sets Acko two wheeler insurance apart is its consumer-first approach:
- You get competitive premiums without dealing with agents.
- You enjoy the freedom to tailor your plan with add-ons that match your specific needs.
- You have access to a wide cashless garage network, ensuring support when you need it most.
- And if the unexpected happens, claims are fast, digital, and hassle-free.
This is more than just an insurance policy—it’s a smart, digital solution that empowers you to protect your two-wheeler on your terms.
If you’re ready to take control of your insurance journey, Acko two wheeler insurance offers a secure, efficient, and customer-friendly way to stay protected on the road.
👉 Click here to buy Acko two wheeler insurance online in just 2 minutes!
This post may contain affiliate links. If you purchase a policy through these links, I may earn a small commission at no extra cost to you. This helps support the blog and keeps our content free.
