Acko Reviews 

“Extremely disappointed with Acko Health Insurance. Despite providing all valid medical documents including a biopsy report, my hospitalization claim was rejected citing vague ‘waiting period’ reasons — without clearly listing the illness or showing where it is excluded in the policy.

There has been a clear lack of empathy and transparency in the claim settlement process. Insurance is meant to support policyholders in tough times — not abandon them due to technicalities.

Would NOT recommend Acko to anyone looking for reliable health coverage. I am now forced to escalate the matter to IRDAI and the Insurance Ombudsman.”

Beware of Acko’s Misleading NCB – A Scam in Plain Sight!

I’m writing this review to warn fellow car owners about the deceptive practices being followed by Acko General Insurance.

Acko is misleading customers by showing a 50% No Claim Bonus (NCB) for a 3-year-old car—which is factually incorrect as per standard insurance norms. This false display of NCB tricks customers into thinking they’re getting a lower premium. But in reality, it’s a fraudulent practice that can lead to serious legal issues during claim settlements.

I brought this issue to Acko's attention, shared proof with screenshots, and even explained the bug in their system to their customer service executive. Instead of acknowledging the mistake or showing any gratitude, the representative was rude, dismissive, and outright unhelpful.

I have now raised this matter with IRDAI (Insurance Regulatory and Development Authority of India) because such tactics are not just unethical—they're dangerous. Misleading NCB figures to lure innocent customers is nothing short of a scam.

If you’re considering Acko for your insurance needs, think twice. A company that relies on misinformation and arrogance is a risk you don’t want to take.

Avoid Acko. File complaints. Save others.

The recent experience was worst. I have registered the claim. Initially the acko person started the smooth communication and started some online procedures. After that they started telling many unknown rules which is not at all mentioned in the policy and avoid the claim. Finally rejected the claim giving random reasons. Acko has many hiden rules which is not be executed during the new policy registration. They mentions attractive contents in the policy and they make us do the policy. At the time of claim they give many unknown reasons and rejects claim. Dear owners don't attract to the content, experience it.

Subject : Grivences against ACKO (Acko Technology & Services Private Limited)

Policy Coverage :- Policy Start 14th May 2024 Policy Expires on 13th May 2025 with own damage third partycovers financial or legal losses due to damage to any third party person.

Addons selected 1. Engine Protect 2. NCB Protect

This is to inform that I have taken a comprehensive car insurance policy No.DCCR10185744342/01 against my car Ford Ecosport 1.0 PETROL TITANIUM MT (999CC) Petrol in ACKO (Acko Technology & Services Private Limited)



I lodged a claim against outage /problem of my car engine on 19th April 2025 as my car met an accident on 19.04.2025.

However Acko did not honour my legitimate claim and is not reimbursing the repair cost by taking unilateral decision of their own that car did not meet any accident .

As you can understand by taking some one sided decision of ACKO ,they are victimising thousands of innocent customers like me.

Submitted for a fair and appropiate justice

Mostly useless & fraud. Be sure to read T&C in details.
Cancellation cover do not include airline cancellation (who else will cancel ?). Also missing flight covered only if flight delay is more than 6 hours.

Don't see that initially but only when you try to raise the claim.

Pathetic service, worst customer care, uploaded documents multiple times still asking to upload again, not easy to claim settlement, Farud company, please do not buy the policy from this company

Please do not buy insurance of any kind here, if you want peace in your life. I will never ever renew with ACKO.

DBCR10182907877/01

I have a Car Insurance Policy with ACKO General Insurance. This policy got expired on April 2024.
Unfortunately, there was no intimation on the expiry date and no follow up done nor any mail sent to me before the expiry from your end to renew the policy.
Hence, I lost track and it was not renewed.
Since, we had lapsed 90 days after expiry I lost NCB of 50% and now had to renew it by paying 19K extra premium. One single phone call if they had reminded I could have saved addln. 19K.
Acko has a very good App and good marketing. But after 1st sale they don't bother to inform you about the expiry too. Claim process is also very bad. Don't buy becoz of their Ad. Better to go with nationalized companies.

Scam insurance providers ! Don’t honour their policies through wrong discrepancies and when proved right will request documents which cannot be obtained !

Very quick response time. I got corporate insurance and it's totally worth it.

Acko has a nicely designed app and a very responsive team when you want to purchase a policy. The policy also is cheaper than competitive brands but you will learn why it is cheap when you try and make a claim. Acko claims process is awful and they use bureaucracy and weird rules to avoid paying out the claims in full. Don't go for the clever marketing and end up learning an expensive lesson.

I am using Acko insurance since last 3 years and I am very happy with it.
I most like the option to renew old policy which takes only 1 minutes to renew.

ONE WORD - FRAUDS

I recently purchased car insurance from Acko Insurance on June 18, 2023, at 4:30 PM, and I must say I'm deeply disappointed with the entire experience. The initial transaction appeared to be straightforward, with a quoted price of Rs. 15,430.97 for a Zero Depreciation insurance policy. The company's representative, Mr. Aniket Patil, assured me that this was the total cost, and no additional charges would apply.
However, my trust in their services was completely shattered when I needed to file a claim for a broken car mirror on November 2, 2023. To my shock, the insurance company insisted on an extra payment of Rs. 6,000, conveniently labeling it as a "voluntary payment." This hidden fee was never disclosed during the insurance purchase, leaving me feeling deceived and taken advantage of.

What's even more frustrating is that I could have fixed the car mirror for a mere Rs. 4,000 if I had chosen to do it myself. It's evident that the additional charge is entirely unjustified and nothing short of a blatant rip-off.

I am sharing this review not just to vent my own frustrations but to alert potential customers about the unethical practices of Acko Insurance. They engage in practices that are unfair, lack transparency, and ultimately harm consumers. This is a matter that needs immediate attention and intervention to safeguard the rights and interests of insurance buyers.

I implore others to be cautious when dealing with this company and urge relevant authorities to investigate and address these deceptive practices in the insurance industry. My experience has been nothing short of a disheartening example of how some businesses prioritize their profits over their customers' trust and well-being.

My car insurance was renewed in aug 2023, I had claimed an accident in May 2023 for which they paid me 10k which was less than the actual repair cost but I accepted because I could get it done with my own mechanic, after renewing the premium in aug 2023 my car had an accident and similar damage was caused, they rejected my claim saying that it is a repeat claim of May 2023! Their agent was not at all customer friendly, they wanted to say that I have claimed again for fun, I don't know who will damage his car for fun. These guys give premium at lower cost to attract customers and then don't process the claims. They will do anything to save their margins.

I suggest not to go with Acko Insurance all Same Tricky part.
People see their ads and become Wao !
But once their Part comes they throw like giving money to beggers
I met Severe Accident In 3 days I got my Leg fracture And my Bike both Side Body Damaged 1 side Totaly smashed other side Dent and So many Scratches,
They came for Survey and Took 22 picture of my bike, 2 picture it's old I agree,
even tough they had mentioned very cheap Amount 😕
Which I can share the Bill after it's get ready

My Estimation mechanic they had given To 13k to 14500/- Around But They mentioned only Rs 3364/-
This amount is only for my bike one Side body part with painting it's coming

Not Happy with this Acko I will not Refer any one to go with Acko, this Insurance made me un Happy 😔😔
only in the insurance they mentioned 45000/- is ur insured value for my 2.5 yrs old Active Honda
People Think and go for Better insurance!

My Car met with an accident and I called ACKO after receiving the CSR certificate 2 days Later. They sent a Surveyor on 3rd Day and surveyed the vehicle and the call center asked whether I had a preferred workshop or they could do in their garage. I told them I give it regularly at a Garage and I can send it there. They asked me to give the Garage Manager's number once dropped and estimation is available from the garage.

After the estimation is provided, Acko wanted to do additional investigation with one more surveyor now and started to delay the approval to start work. Meanwhile, after several days I contacted them for the voucher and they told that as the vehicle is serviced in your preferred garage the voucher is not applicable. Something the Acko people never informed me when they asked me for preference plus they kept delaying as they don't have any impact on delays in completing works.

Even in acko policy printout this cannot be found as there is a ** which goes to below line which says "**Cab vouchers available in the cities mentioned above. Please refer the Terms & Conditions for more details". Terms and condition have these tricky lines.

I feel it was a very tricky plot in the insurance policy document and SOP given to the call center agents to trap the customer to send it to their garage and deny cab vouchers though they delay it from their end.

TO AVOID - Tell Acko to take which ever garage they have tied up with and give the car back in good condition and get your vouchers. Dont fall trap to the policy and call center person.

It is toooo costly as compared to other insurers. Be careful that they issue insurance from the third day of your payment and not from the start of next day as issued by other insurers.

My LG washing machine drum was damaged, requested Acko for repair, these guys sent a boy (not sure if he was even 18 years of age) to inspect. He captured some pictures, then the claims team told that the issue is due to wear and tear, their usual reason for reject most claims, couldn't provide proof for their reason. Realized that they offer such general insurance products which are designed in such a manner to deny claims later on, pretty much cheating by design in my opinion. I have a Car Insurance with them and after such experience, decided will not renew my car insurance. Wouldn't recommended anyone to take their general insurance products. They won't even share their claim settlement ratio. Overall a big disappointment.

Don't trust all paid positive reviews and tv adds those are making people to choose this insurance, so please stay away from this cheating company, deffinatly you will regret after buying this

In the beginning they gave a good discount, but now they ploy to get customers. There's a glitch in there website, it shows lower premium in quote and increases automatically during payment.
Second thing is Amazon tie up scam. We will not get discount from amazon instead policy type will be changed, which we can notice only after purchasing policy. If we purchase zero-dep from acko website we will have to pay 1-2k as claim charges where in if we purchase the same policy from Amazon availing discount we will have to pay 5-6k as claim charges.