Acko Reviews 44

Worst experience by acko two wheeler insurance never ever go for it.
They only do mental harassment after 20 days of harassment they cancelled the claim.

I would have given ACKO a 0 star had that been possible. Do not go for an insurance cover of your car by this company, i met with an accident and they did not process my claim. At the time of accident i was having Learner license as i was renewing my expired license, i gave my brother in laws driving license as he was in the car with us, I did not file a fir and they rejected the claim based on that. They moved my claim from work order released back to document verification two times.

More claim rejected

I have a Maruti Ecco Ambulance with me which is used for charity purpose. I recently got a insurance for the same via Acko website. The had the option of Ecco Ambulance in their drop down menu. After paying the amount to them they have created a insurance and to my surprise they have cancelled the insurance on the same day saying Acko doesnt insure commercial vehicle.
I was OK with it and ask them to refund the amount and now they say its Acko Policy of not refunding the amount if a commercial vehicle is Insured.
Insurance is taken so that the insurance company pays in state of accident. if the policy is cancelled and that too by Acko they should refund the amount.

Ek spine fracture patient ko paresaan kar rahe hai isse jyada kya review du isnke baare me...

I had a very bad experience working at Acko. Office politics exist everywhere, but the situation here felt excessive. The management environment was quite challenging, and internal politics often made work difficult.

From a claims perspective as well, the process seemed frustrating. In many cases, claims were only processed after escalation to social media or higher management, which created additional workload for claim handlers. At times, even legitimate claims faced unnecessary delays. Non medical background managers operating medical clams I don’t even know what are their qualifications, little to no knowledge of medical rejecting every claims.

Based on my experience, it would be better to carefully consider other companies for employment or insurance rather than choosing this one.

I fell for the trap of low cost insurance. Insurance is the thing which we think we should never need apply for claims. Unfortunately I had to go for a claim and they approve only partial repair. Their process is so frustrating that the process is taking around 3 weeks. I would suggest not to go for Acko for peace of mind.

Worst response and service need 5 days time just to do the vehicle survey, very bad response. Customer car people keep on disturb for nothing. I would suggest not take Ack insurance.

I applied for windshield class damage claim but acko not granted.

West service Telangana customers buying Acko General Insurance i am Chandrakanth Acko insurance not update in Telangana RTA M- wallet

Horrible and cheating company. More of show-casing (advertising) than the actual support to customers. The vehicle was just 2 yrs old and in perfect condition. I met with an accident falling into a pot-hole damaging my wind-shield, suspension and Tyre. After inspection, they approved to replace the wind-shield but not for suspension and Tyre, saying its due to wear & tear. The vehicle was serviced a week back and every thing was perfect. The kind of behavior and attitude the acko agents showed is so horrible that they keep on repeating saying its not approved. Its not about the expense but they lost the trust. Don't believe in ACKO advertisements, reality is so bad.

Extremely disappointing experience with ACKO Health Insurance, even before the policy could begin.

I applied for a family mediclaim policy covering 9 members after multiple assurances from their sales executive. However, immediately after payment, the service quality collapsed.

Medical tests were required for 4 members. Despite repeatedly requesting home sample collection, the app kept showing lab visit. Appointments were rescheduled multiple times over 10–12 days, yet the same mistake kept happening. One appointment was even scheduled on a Sunday when the lab was closed, causing complete wastage of time and effort.

I took leave from work several times, waited the whole day, and later found the appointment incorrectly marked again. Customer care only apologized every time, calling it a “system mistake”—but the same mistake happened four times, which is unacceptable.

Post-payment behavior was even worse. Before payment, the sales executive was constantly in touch. After payment, I was clearly told that she had no further responsibility, and no one followed up properly. This lack of transparency is misleading and unethical.

Such poor coordination and negligence at the onboarding stage raises serious concerns about claim support during emergencies.

I have now cancelled the policy and requested a refund. I would strongly advise others to think twice before choosing ACKO if they value reliability and service quality.

I purchased the flight protection cover using my Australian mobile number and there was no issues purchasing . however when it came to lodging a claim .the website does not accept international mobile numbers. Spoke to customer service and was asked to send an email to customer service and got a response saying that you cannot use international number and since I cannot login I cannot claim it

I was just about to renew my car insurance.Thankfully, I checked Acko reviews first and saw several negative reports. That convinced me not to go with them.

I am extremely disappointed with my recent car claim experience with Acko General Insurance.

My car crashed into a road divider on 03 December 2025 and I immediately raised a claim through the Acko mobile app. The Acko team came to the accident spot, picked up my car, and dropped it at their network garage, but after that there was no clear communication or responsibility from their side. Even when I called customer care on 06 December 2025 to ask for an update, the team did not even know where my car was and asked me when they had picked it up, which completely shocked me and made me worry about the safety of my vehicle.

For more than a week, there was almost no progress on the repair. I had to make multiple follow-up calls just to get a quotation of over ₹30,000, and even that estimate did not match the actual parts on my car. No one proactively called me or gave me correct status updates. Every time, I had to chase them.

I received a notification that my claim process would be completed by 13 December 2025, but suddenly the date changed to 21 December 2025 without any proper explanation. On 22 December 2025, when I visited the Acko garage, my car was still not ready. After I emailed the concerned person (Bhumik Solanki) and asked for either a clear status or permission to get the car repaired at a third‑party garage, I was only told that “some parts have an issue” and to wait more time so they could fix it and drop the car at my location.

What is most frustrating is not just the delay, but the total lack of ownership and coordination between Acko’s departments and their garage. There is no single person taking responsibility, no proactive communication, and no respect for the customer’s time or concern for the customer’s vehicle. The process is supposed to be simple and hassle‑free, but in reality, they only seem to work when the customer keeps calling again and again.

I expected much better service and transparency from Acko. Because of this experience, I have lost trust in their promises and will seriously reconsider renewing my policy or recommending Acko to anyone in the future.

My experience with ACKO Insurance has been extremely disappointing and frustrating. What is marketed as a “simple and digital-first insurance” feels more like a system designed to delay, confuse, and exhaust customers until they give up.

The grievance redressal mechanism is pathetic and ineffective. Complaints are acknowledged mechanically, follow-ups go unanswered, and resolutions are endlessly delayed with scripted responses. There is no ownership, no accountability, and no genuine intent to resolve issues.

The entire process appears structured to protect the company’s money rather than the customer’s rights. Promises made at the time of policy purchase vanish when a claim or grievance is raised. Transparency is missing, timelines are ignored, and customers are left feeling cheated and helpless.

This approach reflects a money-first mindset with zero respect for policyholders. Such practices erode trust and make one question whether customer convenience is just a marketing slogan rather than a real commitment.

I would strongly caution others to think twice before choosing ACKO unless they are prepared to struggle for basic service and fair treatment.

I have submitted all requested documentation multiple times, yet the claim remains unresolved. It has been One Month since the issue, and due to your company's inaction, I am still deprived of my vehicle, which was purchased for essential daily use, not to remain in limbo. This prolonged situation is causing me significant mental stress.

I object to the ongoing and unacceptable harassment. I'm being harassed daily with unnecessary calls. I've been asked the same thing repeatedly by different people, whether over phone calls or face-to-face but no one is providing a solution.

In fact, On October 31st, one of your employees subjected me to an unwarranted two-hour interrogation, demanding a lengthy written statement. This treatment was akin to that of a criminal, not a valued policyholder, and constitutes psychological harassment.

During this investigation, the same employee checked my personal phones, extracted my call bill details, and transmitted them to a personal WhatsApp account, constituting a serious violation of my privacy. and he took a photocopy of all required documents.

This same person checked both my phones, extracted the call bill details from one, sent it to his WhatsApp, and asked for the other number, "Sir, if it's downloaded tomorrow, please send it to me." The next day, I called him all day to ask how the download would be, but he didn't answer. Then the next day, on November 2nd, I checked it myself, downloaded it, and sent it to his WhatsApp account as attached in the screenshot.

And the amazing thing is, I got a phone call from you, and I was informed that essential documents, specifically the call bill details and photos of the damage, were missing. This is demonstrably false. Even though your mail trail contains 60-70 photos of the car. Isn't that amazing? On top of that, someone from yours tells me on the call that they'll trust the verification company's report, not mine, even though I'm ready to provide proof, which I've even attached to this email.

There's no decision maker in your company; some say it's out of their control, some say they can't tell, some say the department will tell them, etc.

Because of your extremely frivolous and absurd policy, my car has not been repaired yet, and I am suffering immense mental stress.

My dad recently had a cracked windshield and got it replaced with zero hassle with the ACKO app - in just a few hours time. Completely cashless, no money out of pocket.

I took a vehicle policy from Acko unfortunately i had a accident now they are unneccerially delaying the settlement of my claim

I have taken acko insurance for my car, in the pre inspection report the damages which shared accordingly I had taken insurance, paying 3times higher then third party insurance, so I had damages after some issues, I took car in workshop and ask for claim, now when I am asking why my claim got rejected they are saying damages were already there.

But as per there pre inspection it was never shared over call, over video or over mail that those are pre damage,

Now just to safeguard there money they are saying these images were shared after taking policy. Which a big lie

And they never shared that if any pre damages are there repair them and then take policy as it will not come under insurance so they are biggest lier and fake promotion they do picy