Acko Vs Royal Sundaram Car Insurance Comparison

Having a reliable and good insurance company can be essential for a car owner. There are many options available, but often people have to go with their gut instinct when it comes down to choosing which company to go with. In the case of Acko and Royal Sundaram, both companies have been around for over years, which means that they've built up a reputation in the industry..Read More

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Acko Vs Royal Sundaram Car Insurance Comparison

However, some key differences make them stand out from each other. This article will help you decide which insurance company to go with, explains the pros and cons of both policies, and how they compare with each other.

Compare car insurance quotes from several top-rated providers in India and choose the best car Insurance Company for your needs. You want to make sure that you're fully protected and can get the coverage you need if there are any problems with your vehicle. Get car insurance online and you can settle claims in a hassle-free manner. Renew your policy with a few clicks, avoid queues and you'll be back on the road faster.

PolicyBachat caters you to the best car insurance companies in India for hassle-free claim settlement, easy comparisons, and a lot more. Compare Acko and Royal Sundaram Car Insurance Company which have a reliable claim settlement ratio in less period.

Choose the best car insurance company in India:

The definition of the best car insurance company is subjective as it varies from individual to individual depending on their requirements. For some individuals, a car insurance company that has the highest claim settlement ratio is the best, while for others the insurance company which has a wide network of cashless garages is the best.
Thus, several parameters make an insurance company the best for an individual. One should consider the following factors while choosing a car insurance company.

  • Network of cashless garages
  • Claim settlement ratio
  • Availability of add-ons
  • Customer support service.
Highlights Acko Car Insurance: Royal Sundaram Car Insurance:
  • Low premiums owing to digital process and no commissions involved
  • Exclusive plans that you won’t find anywhere else
  • Great claims service. Claim-related repairs are managed by ACKO. Doorstep pick-up and drop off your car. 3-day claim settlement turnaround for most claims.
  • Acko general insurance is licensed by IRDAI.
  • Acko car insurance delivers policy instantly. All online with no paperwork involved.
  • 24x7 valet care emergency assistance and cashless service
  • 100% simplified claims and hassle-free claims done in less than 5 days
  • M-inspect app digital service to the comfort of your home
  • A one stop app for all policy details, claim processes, and other requests through M-CHATRA App.

Acko Car Insurance:

Acko General Insurance understands that car insurance is a simple and effective way to protect your car from unforeseen risks such as accidents, thefts, fire, natural disasters, or third-party liabilities.

To secure your car from various types of damages and losses, the insurance company offers two types of car insurance policies namely third-party car insurance policies and comprehensive car insurance policies both of which are available at affordable premium rates.

Acko Car insurance saves costs, complies with the law, and stays hassle-free with ACKO’s online car insurance policy. Stay safe Car insurance is a simple and effective way to protect your car from unforeseen risks such as accidents, thefts, fire, natural disasters, or third-party liabilities. Drive legal having valid third-party car insurance is mandatory by law when you are driving a car in India. Having good car insurance is a necessity to protect you from financial losses that come along with road accidents.

Why Buy Acko Car Insurance?

Key Features Benefits
Premium Save up to 85% at Rs. 2094
Policy Issuance
  • 100% digitally-driven
  • We offer services like 3-day doorstep delivery,
  • 1-hour pickup, and instant repairs.
  • You don't have to pay any extra cost to avail these services
No claim Bonus Covers up to 50%
Branches 200+
Claims Settled 95.50%
Claim Process 24x7 Hassle-free claim settlement

Benefits & Features:

  • No Claim Bonus is up to a 50% discount
  • Specific car insurance products are designed to cater to the different needs of policyholders.
  • Cashless claim settlement in over 1,3
  • Avail a wide network of cashless garages service.
  • 00+ cashless garages
  • Third-party damage covers third party property/vehicle and covers injury caused in an accident.
  • Any loss or damage resulting due to an accident or collision with another vehicle, animal, or thing like a building or pillar
  • Any loss or damage that has occurred due to bad weather conditions or natural calamities is also covered
  • Any loss or damage due to external explosion or fire is also covered.
  • 1-hour pickup for the selected area, instant repairs, and 3-day doorstep delivery at no extra cost
  • Minimal Documentation
  • Add Optional add-ons covers and customize your policy. Select from a list of smart rider options, available for an additional premium.
  • Guaranteed 24*7 customer support for any queries related to the policy and intimation of a claim call: 1800-123-4003.
  • Decision on claims approval within 7 working days from the receipt of all documents.

*Know about Acko Car Insurance benefits and coverages in this Article.*

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Royal Sundaram Car Insurance:

Royal Sundaram General Insurance Co. Limited (formerly known as Royal Sundaram Alliance Insurance Company Limited), is the first private sector general insurance company in India to be licensed in October 2000 by the Insurance Regulatory and Development Authority (IRDA) of India. The company was initially promoted as a joint venture by Sundaram Finance, one of the most respected non-banking financial institutions (NBFCs) in India, and other Indian Shareholders.

Royal Sundaram has over 2000 employees, and 28 million customers with 158 branches across India and its products are distributed through various channels-agents, distribution partners, affinity partners, brokers, and online.

Why Buy Royal Sundaram Car Insurance?

Key Features Benefits
Premium Save up to 70%
Policy Issuance Quick & hassle-free
Policies Issued 96%
No claim Bonus Covers up to 50%
Claims Settled Hassle free claims of less than 5 days.
Claim Process Claim settlement processed within 10 working days

Benefits & Features:

  • No Claim Bonus (NCB) cover is Up to 50%
  • Personal accident cover for all passengers and paid driver up to Rs. 50 lakh
  • Legal Liability for paid driver
  • Legal liability for passengers
  • Comprehensive cover for electrical/electronic/non-electrical fittings
  • Cover for CNG kit and Bi-fuel system.
  • Minimal Documentation
  • Protection from inflation (No need to pay an extra amount even increase in Third Party premium)
  • Quick claim settlement
  • Vehicle replacement value plus
  • Quick Claim Settlement Process within 10 working days.

*Know about Royal Sundaram Car Insurance benefits and coverages in this Article*

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Comparison of Acko Car Insurance vs Royal Sundaram Car Insurance:

With the help of a comparison site, like, you can effortlessly compare quotes from many different companies. In addition to saving you time, this can also lead to better prices since our low operating costs mean we don't charge commissions.

PolicyBachat helps you understand the big picture of different insurance policies and find out what's best for you. We'll help you figure out the key differences in carriers, claims settlement ratios, and network garages to make sure your policy is what you need.

Key Points Acko Car Insurance Royal Sundaram Car Insurance
Claim Settlement Ratio 82.35% 87.89%
Cashless Garages 1300+ 4600+
Solvency Ratio 1.91 1.87
Claims Settled 10 lakhs 15 lakhs

PolicyBachat insurance market is huge and offers a wide range of car insurance plans at economical rates. At present, several insurance companies provide reliable car insurance plans. The insurers offer unique features and personalized facilities to cater to different sorts of customer needs.

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Parameters Acko Car Insurance Royal Sundaram Car Insurance
What is Covered?
  • Lower premiums.
  • No paperwork
  • Doorstep Service claim settlement
  • Claims settled instantly
  • Lower Prices
  • Convenient support, claims, or renewal.
  • Stress-free Claims.
  • Accidents and damages caused by the accident.
  • Fire includes damages caused to your car due to self-ignition, explosion, and lightning.
  • Theft In case your car gets stolen.
  • Calamities Natural and man-made calamities such as earthquakes, riots, etc.
  • Third-Party Losses Covers damages to a third party or property.
  • Car Owner Covers damage to the insured’s car and the insured.
  • Free roadside assistance
  • Automobile association of India membership discount
  • Voluntary deductible discount.
  • Damages sustained by the insured car due to fire, ignition, or explosion
  • Accidental damage caused due to external force or act
  • Natural calamities like storms, floods, typhoons, etc.
  • Burglary, theft, housebreaking, etc.
  • Act of Terrorism, and malicious acts.
  • Any legal liability arising out of damages caused to third-party property, vehicle or injury, or death claim in case of life
  • Personal accident cover.
Third party Cover Covered up to Rs. 7.5 lakhs Covered up to Rs. 7.5 lakhs
Personal Accident Cover Covers up to Rs. 15 lakhs Covers up to Rs. 15 lakhs
Types of Policies
  • Third party car insurance
  • Commercial car insurance
  • Own damage car insurance
  • Comprehensive car insurance
  • Basic zero depreciation car insurance
  • Personal accident cover.
  • Standalone Own Damage Car Insurance
  • Comprehensive Car Insurance
  • Standalone Third Party Car Insurance
  • Zero depreciation cover
  • Key replacement cover
  • Consumables cover
  • No claim bonus (NCB) protection
  • Personal accident cover for passengers
  • Roadside assistance cover
  • Outstation emergency cover
  • Engine protection cover
  • Return to invoice cover.
  • Full Invoice Price Cover
  • No Claim Bonus (NCB) Protector
  • Tyre Cover
  • Key Protector
  • Depreciation Waiver Cover
  • Loss of baggage Cover
  • Windshield Glass Cover
  • Spare car clause
  • Voluntary deductible cover
  • Engine protector cover
  • Life time road tax clause.
Accessibility Online through
PolicyBachat & Acko Website.
Online through
PolicyBachat & Royal Sundaram Website.

What is covered in Acko and Royal Sundaram Comprehensive Car Insurance?

Premium Features Acko Car Insurance Royal Sundaram Car Insurance
Loss or damage to own car due to an accident
Loss or damage to own car in case of fire
Loss or damage to own car in case of natural calamity
Theft of your car
Personal accident cover
Third party vehicle and property damage


In this article, we discussed how Acko vs Royal Sundaram car insurance plans is different. You'll learn the pros and cons of each plan, as well as the different impacts they can have on your monthly car insurance payment.

To handle the financial consequences caused by unfortunate circumstances, it's best to get insurance. Compare Acko vs Royal Sundaram for a comprehensive overview of coverage per feature to find the right policy for you.

Select the car insurance company which has all the features and benefits that you are looking for. To make a better decision, you should make sure to know all the required information above and go for the one which gives the best coverages at good prices.

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