Bajaj Allianz Vs Acko Car Insurance

Bajaj Allianz and Acko car insurance are two of the most popular car insurance companies. They were in the industry for over a decade and offer multiple products. Their services have been compared because they provide similar offers in terms of cost, coverage, etc...Read More

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Bajaj Allianz Vs Acko Car Insurance Comparison

Both Bajaj Allianz and Acko Car Insurance companies have a wide range of cover options, a dedicated customer service team, and an easy claim process. If you're looking for insurance that fits your needs and budget, these are two great options.

The article highlights the key differences between these two companies and features/their pricing structure to help you choose which one is better for you. Whether it's their service levels or target customers that are better is up to you.

Key Points Bajaj Allianz Car Insurance Acko Car Insurance
Claim Settlement Ratio 65.83% 82.35%
Cashless Garages 6000+ 1300+
Solvency Ratio 3.45 1.91
Claims Settled 192077 10 lakh
Premium Save up to 70% off Car Insurance Plans starting at Rs. 2094

Bajaj Allianz Car Insurance:

Bajaj Allianz Car Insurance is a leading automobile insurance provider in India. It offers affordable insurance plans to its customers and has been offering the same for more than 80 years. Bajaj Allianz Team is here to help you navigate the journey of having your car insurance with a seamless process.

This policy covers the damages caused to the life and property of individuals, other than you, affected by an accident your car, unfortunately, becomes a part of. The other most common form of insurance is Comprehensive Car Insurance. It helps you cover the majority of the liabilities you might attract if your car gets damaged in social unrest, natural calamity, or even gets stolen in a case of theft.

Add-on/Riders
  • Zero Depreciation
  • Engine Protector
  • Consumable expenses
  • 24x7 Spot Assistance
  • Key and Lock Replacement
  • Personal Baggage
  • Conveyance Benefit
Types of Policies
  • Third Party Car Insurance
  • Comprehensive Car Insurance
  • Standalone Own Damage Car Insurance
What is covered?
  • Covers Expenses on Own Damages
  • Third Party Liabilities
  • Personal Accidents
  • Additional convenience
  • Extended benefits with Add-ons
  • Loss due to natural calamities
  • Loss due to man-made disasters
  • Personal accident cover.

*Know about Bajaj Allianz Car Insurance benefits and coverages in this Article*

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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.

Add-on/Riders
  • 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.
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.
What is covered?
  • 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.

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

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Comparison of Bajaj Allianz Car Insurance vs Acko Car Insurance:

We explained in detail the difference between Bajaj Allianz Car Insurance and Acko Car Insurance. The comparison will be done based on various factors such as claims, customer service, policy cost, and more.

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.

Differences Bajaj Allianz Car Insurance Acko Car Insurance
Claim Settlement Process Quick and Easy Hassle- free Claim Settlement Process 24x7 Emergency and Roadside claim assistance
Benefits
  • Zero depreciation cover available
  • Get your car insurance within 3 minutes
  • Cashless claim facility
  • Claim process done within 20 minutes
  • Policyholders are eligible for 75% on account payment in case the cashless facility is unavailable.
  • Dedicated telephonic service is available 24×7 on holidays as well to provide support during claims settlement and for any other issues
  • In case a car gets damaged due to an accident, the towing facility is available
  • Policyholders can avail themselves of high standard service and get their cars inspected at selected workshops.
  • No Claim Bonus is up to a 50% discount
  • Add Optional add-ons covers and customize your policy. Select from a list of smart rider options, available for an additional premium.
  • Specific car insurance products are designed to cater to the different needs of policyholders.
  • Cashless claim settlement in over 1,300+ 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.
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
Features
  • Voluntary excess discount
  • Anti-theft device installation discount
  • Online policy buying/Renewal, voluntary Excess discount
  • 24x7 Assistance
  • Policyholders are entitled to shift as much as 50% of their existing No Claim Bonus from their previous car insurance providers
  • The company is known for settling its claim in a record time.
  • There are numerous policies offered by this company for every consumer.
  • Avail a wide network of cashless garages service.
  • 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.
  • 1-hour pickup for the selected area, instant repairs, and 3-day doorstep delivery at no extra cost.
Highlights
  • Online policy issuance and renewal
  • 24x7 spot assistance available
  • Self-vehicle survey and instant claim settlement with Motor-on-the-spot.
  • 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.
Accessibility Online through
PolicyBachat & Bajaj Allianz Website.
Online through
PolicyBachat & Acko Website.

The premiums are displayed according to your details, compare the quotes and buy the policy according to your needs and budget.

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Consider these factors before going to Bajaj Allianz Car Insurance or Acko Car Insurance:

  • The first thing to think about is your coverage. Think about how you want to be covered in the event of an emergency.
  • The second thing to consider is your driving history. It would help to know if you have a clean record or if there are any accidents on it.
  • The third thing to think about is the expiration date of your current insurance policy and if you want to switch policies. You should also make sure you're covered under your current policy before switching coverage.

What is covered in Bajaj Allianz vs Acko Comprehensive Car Insurance?

Premium Features Bajaj Allianz Car Insurance Acko Car Insurance
Max Personal Accident cover 2 lakh 1 lakh
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
24*7 Road Side Assistance
Engine Protection cover
Key Replacement
ARAI Approved Anti-Theft Device

Conclusion:

In this article, we discussed how Bajaj Allianz and Acko 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 Bajaj Allianz vs Acko 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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