Acko Vs Royal Sundaram Car Insurance

A reliable and trustworthy insurance company is essential for car owners. Although there are many options, people often go with their gut instincts when choosing the right company. Acko and Royal Sundaram have been in business for many years. This has allowed them to build a strong reputation within the industry.

They do have some key differences that make them different. This article will help to decide which insurance company you should choose. It will explain the pros and cons of each policy and compare them with one another.

Compare car insurance quotes from top-rated Indian providers and find the right car Insurance Company for you. If your car has problems, you want to be sure you are fully covered. Online car insurance can make it easy to settle any claims. You can renew your policy online in a matter of seconds. Avoid waiting and you will be back on the roads faster.

Find the best car insurance company India has to offer:

It is subjective to define the best car insurance company. This depends on each person’s needs. A car insurance company with the highest claim settlement ratio may be the best. However, for some people, the insurance company with the largest network of cashless garages will be the best.

An individual’s insurance company is best if they consider several factors. When choosing an insurance company for your car, you should consider these factors.

  • Network of cashless garages
  • Claim settlement ratio
  • Add-ons available
  • Customer support service.

Acko Car Insurance

  • Digital process results in low premiums and no commissions
  • Exclusive plans you won’t find elsewhere
  • Excellent claims service. ACKO handles all claims-related repairs. ACKO can pick up and drop off your vehicle at your door. Most claims are settled within three days.
  • IRDAI has licensed Acko General Insurance.
  • Instant policy delivery by Acko Car Insurance No paperwork required.

Royal Sundaram Car Insurance

  • Emergency assistance 24×7 and cashless services
  • In less than five days, 100% simplified claims and hassle-free filings
  • The digital M-inspect app service is available in the privacy of your own home
  • A single app that can handle all details about policies, claims processes, and any other requests via M-CHATRA App.

Acko Car Insurance

Acko General Insurance believes that car insurance can be a simple and effective way of protecting your vehicle from unforeseeable risks like thefts, fires, natural disasters, and third-party liability.

The insurance company offers two types car insurance policies to protect your vehicle from damages or losses. Comprehensive and third-party policies are both available. Both policies can be purchased at affordable premium rates.

Acko Car insurance is affordable, compliant with the law, hassle-free, with ACKO’s online policy for car insurance. Keep your car safe with Car insurance. It is an easy and cost-effective way to protect it from unforeseeable risks like thefts, fires, natural disasters, and third-party liability. Driving a car in India is a requirement that you have valid third-party insurance. To protect yourself from the financial loss that can be caused by road accidents, you need good car insurance.

Benefits and Features


  • You can get up to 50% off with no claim bonus
  • Different car insurance products can be tailored to meet the needs of policyholders.
  • Settlement of cashless claims in more than 1,3
  • You can access a large network of cashless garages.
  • Garages that are cashless: 00+
  • Third-party Damage covers damage to third party property/vehicle, and injury that results from an accident.
  • Any damage or loss that results from an accident with another vehicle, animal or thing, such as a building, pillar, etc.
  • All damage or loss that is caused by bad weather conditions, natural calamities or other factors are also covered
  • All damage or loss caused by an external explosion or fire are also covered.


  • 1-hour pickup in the area you choose, immediate repairs and delivery to your doorstep within 3 days at no additional cost
  • Minimal documentation
  • You can customize your policy by adding optional add-ons. You can choose from a variety of smart rider options that are available at an additional premium.
  • For any questions regarding the policy or intimation of a case, you can call 1800-123-4003 for guaranteed 24*7 customer service.
  • Within 7 working days of receipt of all documents, decision on claims approval.

Royal Sundaram Car Insurance

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

Royal Sundaram employs over 2000 people and has 28 million customers. It has 158 branches in India. The company’s products are distributed through different channels: agents, distributor partners, affinity partners and brokers.

Benefits and Features


  • Coverage up to 50% for No Claim Bonus (NCB).
  • Personal accident coverage for all passengers and drivers up to Rs. 50 lakh
  • Payed driver: Legal liability
  • Passenger legal liability
  • Comprehensive cover for electrical/electronic/non-electrical fittings
  • Coverage for the CNG kit or Bi-fuel system


  • Minimal documentation
  • Protection against inflation (no need to pay an additional amount or increase in Third Party Premium)
  • Quick claim settlement
  • Vehicle replacement value plus
  • Quick Claim Settlement Process in 10 Working Days
  • Acko Car Insurance
  • What is covered?
  • Lower premiums
  • No paperwork
  • Doorstep Service claim settlement
  • Instantly settle claims
  • Lower prices
  • Support, renewal, and claims.
  • Stress-free Claims.

Accidents and damage caused by an accident

  • Fire is damage to your vehicle caused by self-ignition or explosion.
  • Theft If your car is stolen.
  • Calamities Calamities Natural as well as man-made calamities like earthquakes, riots and others.
  • Third-Party Losses: Covers damage to third parties or property.
  • Car Owner covers damage to the insured’s vehicle and the insured.

Different types of policies

  • Third-party car insurance
  • Commercial car insurance
  • Car insurance for damage to your vehicle
  • Comprehensive car insurance
  • Basic zero depreciation car insurance
  • Personal accident cover.


  • Zero depreciation cover
  • Coverage for key replacement
  • Consumables cover
  • Protection from No Claim Bonus (NCB).
  • Passenger personal accident coverage
  • Roadside assistance coverage
  • Emergency cover for outstations
  • Engine protection coverage
  • Retour to invoice coverage
  • Royal Sundaram Car Insurance

What is covered?

  • Roadside assistance is free
  • Discount on membership to the Automobile Association of India
  • Voluntary discount
  • Insured car damages due to fire, ignition or explosion
  • Accidental damage due to an external force or act
  • Natural calamities such as floods, storms, and typhoons are all possible.
  • Burglary, theft, housebreaking, etc.
  • Act of Terrorism and Malign acts

Personal accident cover

  • Different types of policies
  • Standalone Car Insurance for Damage
  • Comprehensive Car Insurance
  • Third Party Car Insurance – Standalone


  • Coverage for full invoice price
  • Protector – No Claim Bonus (NCB).

Tyre Cover

  • Key Protector
  • Depreciation Waiver Cover
  • Baggage Cover in case of loss
  • Windshield glass cover
  • Clause for a spare car
  • Voluntary deductible coverage
  • Protect your engine with an engine protector
  • Road tax exemption for life