{"uin":"IRDAN157RPMT0018V01202627","name":"Acko Two Wheeler Multiyear Policy","url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627","insurer":{"slug":"acko-general-insurance","name":"Acko General Insurance Limited","url":"https://indiainsurances.com/insurer/acko-general-insurance"},"line":"general","category":"motor-two-wheeler","category_name":"Two-wheeler insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Acko Two-Wheeler Multiyear Policy is a comprehensive motor insurance product for two-wheelers with own damage, third-party liability and personal accident cover. Own damage and applicable optional covers can be customised for 1, 2, 3 or 5 years while third-party liability is equal to or longer than that period.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:48:31.80385+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Own Damage and applicable Optional Covers can be customised, for example 1, 2, 3 or 5 years. Liability to Third Parties is equal to or longer than the Own Damage period and never shorter.","display":"Own Damage and Optional Covers: customised, e.g. 1, 2, 3 or 5 years; Third-Party Liability: equal to or longer than Own Damage","note":null,"quote":"You may choose a customised Policy Period for Own Damage and applicable Optional Covers (e.g., 1, 2, 3 or 5 years). The Policy Period for Liability to Third Parties will always be equal to or longer than the period chosen for Own Damage, and will never be shorter than it, in accordance with applicable regulatory requirements.","sources":[{"clause":"9","heading":"Other Key Terms and Conditions Policy Period and Multiyear Option","page":6,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1541#c-9"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notify Acko as soon as reasonably possible, but no later than 7 days of discovery for theft, burglary or malicious loss and 30 days of the event for all other losses unless a shorter optional-cover limit applies. For theft of the insured vehicle, lodge an FIR immediately and inform Acko within 24 hours.","display":"As soon as reasonably possible; theft/burglary/malicious loss within 7 days of discovery; other losses within 30 days; vehicle theft FIR immediately and inform within 24 hours","note":null,"quote":"On the happening of any event giving rise to a claim under this Policy, You or the nominee(s) are required to notify Us by sending a request to Us in writing as soon as reasonably possible, but no later than\ni) 7 days of discovery in case of theft, burglary, or malicious loss;\nii) 30 days of the event for all other losses, unless a shorter limit is set for a specific Optional Cover. ... For theft of the Insured Vehicle, You must (i) lodge an FIR with the police immediately and inform Us within 24 hours","sources":[{"clause":"7(a)(iv)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-7-a-iv"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Vehicle registration certificate","Valid Driving License","Repair estimate","Repair Invoice","Police Report (if registered)","Fire Brigade Report ( if applicable)","all original keys and vehicle documents","No-Trace/Untraced Report"],"display":"RC, valid driving licence, repair estimate, repair invoice, police report if registered, fire brigade report if applicable; for theft, original keys and vehicle documents and No-Trace/Untraced Report","note":null,"quote":"You must, within 7 days of intimation, provide Us with all information and documentation reasonably required to assess, process, and settle the claim, including but not limited to: i.Vehicle registration certificate ii.Valid Driving License iii.Repair estimate iv.Repair Invoice v.Police Report (if registered) vi.Fire Brigade Report ( if applicable) ... For theft of the Insured Vehicle, You must (i) lodge an FIR with the police immediately and inform Us within 24 hours, (ii) hand over all original keys and vehicle documents to Us, and (iii) provide a No-Trace/Untraced Report issued by the police after about 90 days from the date of theft.","sources":[{"clause":"7(a)(iv)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-7-a-iv"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The surveyor must submit the survey report within 15 days of allocation or the legally prescribed period. Acko will process and decide the claim within 7 days of receipt of the survey report or the legally prescribed period.","display":"Survey report within 15 days of allocation; claim processed and decided within 7 days of receipt of survey report","note":null,"quote":"The surveyor shall submit the survey report to Us within 15 days of allocation or within such period as may be prescribed under the applicable law.\nk) We shall process and decide upon the claim within 7 days of receipt of the survey report or within such period as may be prescribed under the applicable law.","sources":[{"clause":"7(a)(iv)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-7-a-iv"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area","any claim arising out of any contractual liability","being used otherwise than in accordance with the ‘Limitations as to Use’","being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver’s Clause","Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the Company shall be limited to 50% of the cost of replacement","Loss of or damage to accessories by burglary housebreaking or theft unless the Vehicle is stolen at the same time","Any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations","any Insured Vehicle not registered in Your name as the owner"],"display":"Outside geographical area; contractual liability; use outside Limitations as to Use; unauthorised driver; consequential loss, depreciation, wear and tear, mechanical/electrical breakdown; tyre/tube damage except with vehicle damage; accessory theft unless vehicle stolen; intoxicated driving; radiation/radioactivity; nuclear weapons material; war and similar operations; vehicle not registered in your name","note":null,"quote":"We shall not be liable under this Policy in respect of:\n1) any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area.\n2) any claim arising out of any contractual liability;\n3) any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is\na) being used otherwise than in accordance with the ‘Limitations as to Use’ or\nb) being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver’s Clause. ... a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages;\nb) Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the Company shall be limited to 50% of the cost of replacement.\nc) Loss of or damage to accessories by burglary housebreaking or theft unless the Vehicle is stolen at the same time; and\nd) Any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... (ii) any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity ... 6) any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.\n7) any accidental loss damage and/or liability directly or indirectly or proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations ... 8) any Insured Vehicle not registered in Your name as the owner except in cases of temporary substitution, or if You have opted for Hire Purchase Agreement, Lease Agreement, and Vehicles subject to Hypothecation Agreement Optional Covers.","sources":[{"clause":"Part IV","heading":"GENERAL EXCLUSIONS (Applicable to all covers under the Policy)","page":16,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-part-iv"},{"clause":"5","heading":"Rate of Depreciation for painting","page":5,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-5-2"},{"clause":"4","heading":null,"page":17,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-4-5"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a grievance, contact Acko on toll-free helpline 1800 210 4990 or email grievance@acko.com. If dissatisfied with the decision or no response within 14 working days, write or email the Grievance Redressal Officer at gro@acko.com before approaching IRDAI or the Insurance Ombudsman.","display":"First contact Acko grievance helpline 1800 210 4990 or grievance@acko.com; if dissatisfied or no response within 14 working days, escalate to Grievance Redressal Officer at gro@acko.com","note":null,"quote":"For resolution of grievance, insured may contact the company on our toll-free helpline number 1800 210 4990 (Operating hours: 10 AM – 7 PM, all days of the week). You can also write to grievance@acko.com. ... If in case you are dissatisfied with the decision/resolution provided through details indicated above on your Complaint or have not received any response within 14 working days, you may write or email to Grievance Redressal Officer:\nEmail: gro@acko.com","sources":[{"clause":"Part VII","heading":"GRIEVANCE REDRESSAL","page":28,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-part-vii"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["fire explosion self-ignition or lightning","burglary housebreaking or theft","riot and strike","earthquake (fire and shock damage)","flood typhoon hurricane storm tempest inundation cyclone hailstorm frost","accidental external means","maliciousact","terroristactivity","whilst in transit by road rail inland - waterway lift elevator or air","landsliderockslide"],"display":"Fire, explosion, self-ignition or lightning; burglary, housebreaking or theft; riot and strike; earthquake; flood and storm perils; accidental external means; malicious act; terrorist activity; transit; landslide/rockslide","note":null,"quote":"The Company will indemnify the insured against loss or damage to the vehicle insured hereunder and/or its accessories whilst thereon\ni) by fire explosion self-ignition or lightning;\nii) by burglary housebreaking or theft;\niii) by riot and strike;\niv) by earthquake (fire and shock damage);\nv) by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;\nvi) by accidental external means;\nvii) by maliciousact;\nviii) by terroristactivity;\nix) whilst in transit by road rail inland - waterway lift elevator or air;\nx) by landsliderockslide.","sources":[{"clause":"Section I","heading":"OWN DAMAGE: LOSS OF OR DAMAGE TO THE INSURED VEHICLE","page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-section-i"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You may cancel at any time by informing Acko. If the Policy Period is up to 1 year, Acko refunds proportionate premium for the unexpired Policy Period if no claim has been made; if it exceeds 1 year, refund is only for unexpired Policy Years where risk coverage has not yet commenced. Third-party cover cannot be cancelled except for double insurance or Total Loss/CTL.","display":"Cancel any time; refund proportionate unexpired premium if term up to 1 year and no claim; for terms over 1 year, refund only for future Policy Years where risk has not commenced","note":null,"quote":"You may cancel this Policy any time during the Policy Period by informing Us and no reasons shall be required for such cancellation. ... However, the cover under (A) (Section II) Third Party cannot be cancelled by You or Us except in case of double insurance or Total Loss/CTL of the Insured Vehicle as under (A)(Section I)(b)(iii) under Part III of the Policy. ... Upon cancellation of the Policy,\ni) If the Policy Period is up to 1 year, then We will refund the proportionate premium for the unexpired Policy Period, provided no claim has been made during the Policy Period.\nii) If the Policy Period exceeds 1 year, then We will refund the premium for the unexpired Policy Period, but only in respect of those Policy Years where risk coverage has not yet commenced.","sources":[{"clause":"5(a)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-5-a"},{"clause":"5(b)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-5-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording excludes loss outside the geographical area and the IMT endorsement can extend the geographical area to named countries, but the base geographical area is not printed other than by reference to the schedule.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Comprehensive"],"display":"Comprehensive motor insurance product","note":null,"quote":"A Comprehensive Motor Insurance Product for Two-Wheelers, offering Own Damage, Third-Party Liability, Personal Accident and a suite of Optional Covers, available for single-year and multiyear Policy Periods.","sources":[{"clause":null,"heading":"PROSPECTUS ACKO TWO-WHEELER MULTIYEAR POLICY","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1541#c-prospectus-acko-two-wheeler-multiyear-policy"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy indemnifies the insured for legal liability from use of the vehicle for death or bodily injury to any person and damage to third-party property, subject to the limits in the Policy Schedule. The prospectus states this cover is compulsory under the Motor Vehicles Act, 1988 and cannot be cancelled except in specified circumstances.","display":"Covers legal liability for death or bodily injury to any person and third-party property damage, subject to Schedule limits; compulsory under the Motor Vehicles Act, 1988","note":null,"quote":"Subject to the limits specified in the Policy Schedule, We will indemnify You against amounts You become legally liable to pay in respect of:\n• Death of or bodily injury to any person (other than paid occupants in the course of their employment, except to the extent required under the Motor Vehicles Act); and\n• Damage to third-party property (other than property belonging to, or in the custody or control of, the insured). ... This cover is compulsory under the Motor Vehicles Act, 1988 and cannot be cancelled by You or Us during the Policy Period except in specific circumstances such as double insurance or Total Loss/CTL of the Insured Vehicle.","sources":[{"clause":"4(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1541#c-4-ii"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured’s Declared Value of the vehicle is deemed the Sum Insured, fixed at the commencement of each policy period on the manufacturer's listed selling price adjusted for depreciation. It is treated as Market Value throughout the policy period for Total Loss and Constructive Total Loss claims, and CTL applies if retrieval/repair cost exceeds 75% of IDV.","display":"IDV is the Sum Insured, based on manufacturer’s listed selling price adjusted for depreciation; TL/CTL market value, CTL if costs exceed 75% of IDV","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation (as per scheduled below). ... IDV shall be treated as the ‘Market Value’ throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims. The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval and / or repair of the vehicle, subject to terms and conditions of the policy, exceeds 75% of the IDV of the vehicle.","sources":[{"clause":null,"heading":"SUM INSURED - INSURED’S DECLARED VALUE (IDV)","page":5,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-sum-insured-insureds-declared-value-idv"},{"clause":null,"heading":"THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE VEHICLE","page":5,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replacement parts: rubber/nylon/plastic parts, tyres and tubes, batteries and air bags 50%; fibre glass components 30%; glass Nil. Other parts range from Nil for vehicles not exceeding 6 months to 50% for vehicles exceeding 10 years; painting depreciation is 50% on material cost only, with material deemed 25% of a consolidated painting bill.","display":"Parts depreciation: rubber/nylon/plastic, tyres/tubes, batteries, air bags 50%; fibre glass 30%; glass Nil; other parts Nil to 50% by vehicle age; painting 50% on material cost","note":null,"quote":"Subject to a deduction for depreciation at the rates mentioned below in respect of parts replaced:\n1. For all rubber/ nylon/ plastic parts, tyres and tubes, batteries and air bags | 50%\n2. For fibre glass components | 30%\n3. For all parts made of glass | Nil ... AGE OF VEHICLE | % OF DEPRECIATION\nNot exceeding 6 months | Nil\nExceeding 6 months but not exceeding 1 year | 5%\nExceeding 1 year but not exceeding 2 years | 10%\nExceeding 2 years but not exceeding 3 years | 15%\nExceeding 3 years but not exceeding 4 years | 25%\nExceeding 4 years but not exceeding 5 years | 35%\nExceeding 5 years but not exceeding 10 years | 40%\nExceeding 10 years | 50% ... Rate of Depreciation for painting: In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of total painting charges. In case of a consolidated bill for painting charges, the material component shall be considered as 25% of total painting charges for the purpose of applying the depreciation.","sources":[{"clause":"Section I","heading":"OWN DAMAGE: LOSS OF OR DAMAGE TO THE INSURED VEHICLE","page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-section-i"},{"clause":"4","heading":null,"page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-4-2"},{"clause":"5","heading":"Rate of Depreciation for painting","page":5,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-5-2"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"quote-verified","value":"No Claim Bonus on own-damage premium is 20% after no claim in the preceding 1 year, 25% after 2 consecutive years, 35% after 3 consecutive years, 45% after 4 consecutive years and 50% after 5 consecutive years.","display":"20%, 25%, 35%, 45% and 50% on OD premium for 1 to 5 claim-free years","note":null,"quote":"The Provisions in respect of NCB for this Package Policy shall be as follows:\nPeriod of Insurance | % of NCB on OD premium\nNo claim paid during the preceding 1 year of insurance | 20%\nNo claim paid during the preceding 2 consecutive years of insurance | 25%\nNo claim paid during the preceding 3 consecutive years of insurance | 35%\nNo claim paid during the preceding 4 consecutive years of insurance | 45%\nNo claim paid during the preceding 5 consecutive years of insurance | 50%","sources":[{"clause":null,"heading":"NO CLAIM BONUS","page":6,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-no-claim-bonus"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-stated","value":null,"display":null,"note":"The wording says the deductible is stated in the Policy Schedule, but does not print a fixed compulsory deductible amount.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"not-stated","value":null,"display":null,"note":"The wording defines a deductible as an amount per claim specified in the Policy Schedule, but does not state a voluntary deductible option or amounts.","quote":null,"sources":[],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"The policy pays compensation to the owner-driver for bodily injury or death in direct connection with the insured vehicle, caused by violent accidental external and visible means within six calendar months. The scale is 100% for death, loss of two limbs/sight of two eyes/one limb and one eye, and permanent total disablement, and 50% for loss of one limb or sight of one eye; the owner-driver must be the registered owner, named insured and hold an effective driving licence.","display":"Owner-driver PA: death 100%, loss of two limbs/two eyes/one limb and one eye 100%, one limb/one eye 50%, permanent total disablement 100%; conditions include registered owner, named insured and effective driving licence","note":null,"quote":"The Company undertakes to pay compensation as per the following scale for bodily injury/death sustained by the owner-driver of the vehicle, in direct connection with the vehicle insured or whilst driving or mounting into/dismounting from the vehicle insured or whilst travelling in it as a co-driver, caused by violent accidental external and visible means which independent of any other cause shall within six calendar months of such injury result in:\nNATURE OF INJURY | SCALE OF COMPENSATIO N\n(i) Death | 100%\n(ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100%\n(iii) Loss of one limb or sight of one eye | 50%\n(iv) Permanent total disablement from injuries other than named above | 100% ... This cover is subject to\na) the owner-driver is the registered owner of the vehicle inured herein;\nb) the owner-driver is the insured named in this policy;\nc) the owner-driver holds an effective driving license, in accordance with the provisions of Rule 3 of the Central Motor Vehicles Rules, 1989, at the time of the accident.","sources":[{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":7,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-section-iii"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Engine Protect","Consumables","Downtime Allowance","Invoice Cover","Key Protect","Loss of License or RC","NCB Protect","Outstation Emergency Cover","Personal Belonging – Damage","Personal Belonging – Electronic Equipment","Personal Belonging – Theft","Roadside Assistance","Zero Depreciation"],"display":"Engine Protect, Consumables, Downtime Allowance, Invoice Cover, Key Protect, Loss of License or RC, NCB Protect, Outstation Emergency Cover, Personal Belonging – Damage, Personal Belonging – Electronic Equipment, Personal Belonging – Theft, Roadside Assistance, Zero Depreciation","note":"These are Optional Covers available by paying an additional premium and apply only if selected in the Policy Schedule.","quote":"B. OPTIONAL COVERS | 7\n1. Engine Protect ................................................................................................................................. 7\n2. Consumables ..................................................................................................................................... 8\n3. Downtime Allowance | 8\n4. Invoice Cover | 9\n5. Key Protect | 9\n6. Loss of License or RC | 10\n7. NCB Protect | 10\n8. Outstation Emergency Cover | 11\n9. Personal Belonging – Damage | 11\n10. Personal Belonging – Electronic Equipment | 12\n11. Personal Belonging – Theft | 13\n12. Roadside Assistance | 13\n13. Zero Depreciation | 15 ... You may choose to add one or more of the following Optional Covers by paying an additional premium. If selected, they will be mentioned in Your Policy Schedule and will be applicable for the Policy Period stated.","sources":[{"clause":null,"heading":"Table of Contents","page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-table-of-contents"},{"clause":null,"heading":"B.OPTIONAL COVERS","page":7,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-b-optional-covers"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"The policy provides a claim procedure for cashless and reimbursement claims, with intimation by phone, email or writing to Acko. It does not state a network garage list or count.","display":"Cashless and reimbursement claims are provided; network garage list/count not stated","note":null,"quote":"Claim Procedure and Documentation for cashless and reimbursement of claim ... Claim intimation: ... i) Call us on 1800 266 2256 or ... ii) Mail us on hello@acko.com or ... iii) Write to us at 2nd Floor, #36/5, Hustlehub One East, Somasandrapalya 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka, 560102","sources":[{"clause":"7","heading":"Claim Procedure and Documentation for cashless and reimbursement of claim","page":18,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-7-3"},{"clause":"7(a)(i)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-7-a-i"},{"clause":"7(a)(ii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-7-a-ii"},{"clause":"7(a)(iii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-7-a-iii"}],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["Driving without a valid driving license","Damage due to driving under influence of intoxicating liquor or drugs","being used otherwise than in accordance with the ‘Limitations as to Use’","outside the geographical area","contractual liability","Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","Damage to tyres and tubes unless the vehicle is damaged at the same time","Loss of or damage to accessories by burglary housebreaking or theft unless the Vehicle is stolen at the same time","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations","any Insured Vehicle not registered in Your name as the owner"],"display":"No valid driving licence; drunk/drugged driving; use outside Limitations as to Use; outside geographical area; contractual liability; consequential loss, depreciation, wear and tear, mechanical/electrical breakdown; tyres/tubes unless vehicle also damaged; accessory theft unless vehicle stolen; radiation/radioactivity; nuclear weapons material; war; vehicle not registered in your name","note":null,"quote":"Rejected:\n• Damage due to driving under influence of intoxicating liquor or drugs\n• Driving without a valid driving license ... We shall not be liable under this Policy in respect of:\n1) any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area.\n2) any claim arising out of any contractual liability;\n3) any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is\na) being used otherwise than in accordance with the ‘Limitations as to Use’ ... a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages;\nb) Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the Company shall be limited to 50% of the cost of replacement.\nc) Loss of or damage to accessories by burglary housebreaking or theft unless the Vehicle is stolen at the same time; and ... (ii) any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity ... 6) any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.\n7) any accidental loss damage and/or liability directly or indirectly or proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations ... 8) any Insured Vehicle not registered in Your name as the owner except in cases of temporary substitution, or if You have opted for Hire Purchase Agreement, Lease Agreement, and Vehicles subject to Hypothecation Agreement Optional Covers.","sources":[{"clause":null,"heading":"Situations where your Vehicle Insurance Claim might get","page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1521#c-situations-where-your-vehicle-insurance-claim-mi"},{"clause":"Part IV","heading":"GENERAL EXCLUSIONS (Applicable to all covers under the Policy)","page":16,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-part-iv"},{"clause":"5","heading":"Rate of Depreciation for painting","page":5,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-5-2"},{"clause":"4","heading":null,"page":17,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-4-5"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The cover amount for own damage is the Insured’s Declared Value, deemed to be the Sum Insured. It is fixed at the commencement of each policy period on the basis of the manufacturer's listed selling price of the brand and model, adjusted for depreciation.","display":"IDV basis: manufacturer’s listed selling price adjusted for depreciation; IDV is the Sum Insured","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation (as per scheduled below).","sources":[{"clause":null,"heading":"SUM INSURED - INSURED’S DECLARED VALUE (IDV)","page":5,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522#c-sum-insured-insureds-declared-value-idv"}],"law":[]}],"documents":[{"kind":"wording","label":"Acko Two Wheeler Multiyear Policy - Policy Wordings","pages":30,"fetched_at":"2026-10-17 19:32:48+00","source_url":"https://acko-cms.ackoassets.com/Policy_Wordings_Acko_Two_Wheeler_Multiyear_Policy_4f1dd61b57.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1522"},{"kind":"prospectus","label":"Acko Two Wheeler Multiyear Policy - Prospectus","pages":7,"fetched_at":"2026-10-17 19:33:23+00","source_url":"https://acko-cms.ackoassets.com/Acko_Two_Wheeler_Multiyear_Policy_Prospectus_8769d2ec13.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1541"},{"kind":"cis","label":"Acko Two Wheeler Multiyear Policy - CIS","pages":4,"fetched_at":"2026-10-17 19:32:58+00","source_url":"https://acko-cms.ackoassets.com/CIS_Acko_Two_Wheeler_Multiyear_Policy_142ff7f227.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627/document/1521"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Acko General Insurance official website","url":"https://www.acko.com/gi","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Car insurance claims","url":"https://www.acko.com/car-insurance/claims/","note":null},{"purpose":"claim","kind":"insurer","name":"Travel insurance claim process","url":"https://www.acko.com/travel-insurance/claim-process/","note":null},{"purpose":"claim","kind":"insurer","name":"Two-wheeler insurance claims","url":"https://www.acko.com/two-wheeler-insurance/claims/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Health insurance renewal","url":"https://www.acko.com/health-insurance/renewal/","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Acko Two Wheeler Multiyear Policy (UIN IRDAN157RPMT0018V01202627), IndiaInsurances, https://indiainsurances.com/policy/acko-general-insurance/acko-two-wheeler-multiyear-policy-irdan157rpmt0018v01202627"}