Review Time
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.
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.
ONE WORD - FRAUDSI 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 beggersI 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 readyMy 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 comingNot 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.
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Acko General Insurance, an independent general insurer whose entire operations are through the digital platform, has raised $30 million in a seed round, making it one of the largest seed rounds for a start-up in India.
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