IRDAI product register · general insurance

Acko General Insurance Policy Wordings

IRDAI's non-life product register lists 25 Acko products and 76 add-ons, approved 2017 to 2022. Each is below with its UIN and a link to its policy wording on irdai.gov.in, grouped by line of cover.

The wording is the contract a claim is decided on; the brochure is not. Built from IRDAI's register of non-life insurance products.

Written by Parul Bhargava · Founder and Principal Advisor, advising since 2004

Lines: Fire and property · Liability · Marine · Motor · Personal accident

Fire and property (2)

Product	UIN	Approved	Policy wording
Acko Asset Protect Insurance Plan	IRDAN157RP0061V01201920	30 Jan 2020	Wording
Acko Bharat Griha Raksha	IRDAN157RP0010V02202021	20 Apr 2022	Wording

Liability (1)

Product	UIN	Approved	Policy wording
Service Contract Liability Insurance Policy	IRDAN157CP0004V01201819	5 Jul 2018	Wording

Marine (1)

Product	UIN	Approved	Policy wording
Marine Open Insurance Policy (Commercial)	IRDAN157P0006V01201718	2 Mar 2018	Wording

Motor (20)

Product	UIN	Approved	Policy wording
Commercial Vehicle Package Policy 10 add-ons Commercial Vehicle Package Policy - Passenger Carrying Vehicle - Add-ons: Consumables IRDAN157RP0001V01201819/A0026V01201920 · 29 Sep 2019 Wording Commercial Vehicle Package Policy - Passenger Carrying Vehicle - Add-ons: Downtime Allowance IRDAN157RP0001V01201819/A0025V01201920 · 29 Sep 2019 Wording Commercial Vehicle Package Policy - Passenger Carrying Vehicle - Add-ons: Engine Protect IRDAN157RP0001V01201819/A0030V01201920 · 29 Sep 2019 Wording Commercial Vehicle Package Policy - Passenger Carrying Vehicle - Add-ons: Invoice Cover IRDAN157RP0001V01201819/A0032V01201920 · 29 Sep 2019 Wording Commercial Vehicle Package Policy - Passenger Carrying Vehicle - Add-ons: Key Protect IRDAN157RP0001V01201819/A0029V01201920 · 29 Sep 2019 Wording Commercial Vehicle Package Policy - Passenger Carrying Vehicle - Add-ons: Loss of License/RC/Permit IRDAN157RP0001V01201819/A0031V01201920 · 29 Sep 2019 Wording Commercial Vehicle Package Policy - Passenger Carrying Vehicle - Add-ons: NCB Protect IRDAN157RP0001V01201819/A0028V01201920 · 29 Sep 2019 Wording Commercial Vehicle Package Policy - Passenger Carrying Vehicle - Add-ons: Road Side Assistance IRDAN157RP0001V01201819/A0024V01201920 · 29 Sep 2019 Wording Commercial Vehicle Package Policy - Passenger Carrying Vehicle - Add-ons: Small Repair Claim IRDAN157RP0001V01201819/A0027V01201920 · 29 Sep 2019 Wording Commercial Vehicle Package Policy - Passenger Carrying Vehicle - Add-ons: Zero Depreciation IRDAN157RP0001V01201819/A0023V01201920 · 29 Sep 2019 Wording	IRDAN157RP0001V01201819	4 May 2018	Wording
Commercial Vehicle Package Policy - Goods Carrying Vehicle	IRDAN157RP0005V01201819	18 Jul 2018	Wording
Comprehensive Car Insurance	IRDAN157P0007V01201718	5 Mar 2018	Wording
Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies	IRDAN157RP0024V01201819	29 Sep 2019	Wording
Liability Only Policy - Goods Carrying Vehicle	IRDAN157P0003V01201718	17 Jan 2018	Wording
Liability Only Policy - Miscellaneous & Special type of Vehicles	IRDAN157P0005V01201718	17 Jan 2018	Wording
Liability Only Policy - Private Car - 3 Years	IRDAN157RP0010V01201819	30 Aug 2018	Wording
Liability Only Policy - Two-Wheeler - 5 Years	IRDAN157RP0011V01201819	30 Aug 2018	Wording
Liability Only Policy - Two-Wheeler Long Term	IRDAN157P0009V01201718	18 Apr 2018	Wording
Liability Only Policy – Passenger Carrying Vehicle	IRDAN157P0004V01201718	17 Jan 2018	Wording
Liability Only Policy – Two-Wheeler	IRDAN157P0002V01201718	17 Jan 2018	Wording
Private Car Package Policy - 3 Years 4 add-ons Private Car Package Policy – Add-ons: Consumables – 3 Years IRDAN157RP0012V01201819/A0019V01201819 · 17 Sep 2018 Wording Private Car Package Policy – Add-ons: Outstation Emergency Cover – 3 Years IRDAN157RP0012V01201819/A0018V01201819 · 17 Sep 2018 Wording Private Car Package Policy – Add-ons: Road Side Assistance – 3 Years IRDAN157RP0012V01201819/A0017V01201819 · 17 Sep 2018 Wording Private Car Package Policy – Add-ons: Zero Depreciation – 3 Years IRDAN157RP0012V01201819/A0016V01201819 · 17 Sep 2018 Wording	IRDAN157RP0012V01201819	30 Aug 2018	Wording
Private Car Policy - Bundled 13 add-ons Engine Protect IRDAN157RP0014V01201819/A0004V01202122 · 27 Dec 2021 Wording Invoice Cover IRDAN157RP0014V01201819/A0009V01202122 · 27 Dec 2021 Wording Key Protect IRDAN157RP0014V01201819/A0003V01202122 · 27 Dec 2021 Wording Loss of License/RC IRDAN157RP0014V01201819/A0008V01202122 · 27 Dec 2021 Wording NCB Protect IRDAN157RP0014V01201819/A0002V01202122 · 27 Dec 2021 Wording Personal Belongings - Damage IRDAN157RP0014V01201819/A0005V01202122 · 27 Dec 2021 Wording Personal Belongings - Theft IRDAN157RP0014V01201819/A0006V01202122 · 27 Dec 2021 Wording Personal Belongings including Electronic Equipment IRDAN157RP0014V01201819/A0007V01202122 · 27 Dec 2021 Wording Private Car Policy – Add-ons: Consumables - Bundled IRDAN157RP0014V01201819/A0023V01201819 · 17 Sep 2018 Wording Private Car Policy – Add-ons: Outstation Emergency Cover - Bundled IRDAN157RP0014V01201819/A0022V01201819 · 17 Sep 2018 Wording Private Car Policy – Add-ons: Road Side Assistance - Bundled IRDAN157RP0014V01201819/A0021V01201819 · 17 Sep 2018 Wording Private Car Policy – Add-ons: Zero Depreciation - Bundled IRDAN157RP0014V01201819/A0020V01201819 · 17 Sep 2018 Wording Small Repair Claim IRDAN157RP0014V01201819/A0001V01202122 · 27 Dec 2021 Wording	IRDAN157RP0014V01201819	30 Aug 2018	Wording
Stand-Alone Own Damage Private Car Policy 10 add-ons S tand-Alone Own DamagePrivate Car Policy - Add-ons: Personal Belongings - Damage IRDAN157RP0033V01201920/A0043V01201920 · 29 Sep 2019 Wording Stand-Alone Own Damage Private Car Policy - Add-ons: Engine Protect IRDAN157RP0033V01201920/A0042V01201920 · 29 Sep 2019 Wording Stand-Alone Own Damage Private Car Policy - Add-ons: Invoice Cover IRDAN157RP0033V01201920/A0047V01201920 · 29 Sep 2019 Wording Stand-Alone Own Damage Private Car Policy - Add-ons: Key Protect IRDAN157RP0033V01201920/A0041V01201920 · 29 Sep 2019 Wording Stand-Alone Own Damage Private Car Policy - Add-ons: Loss of License/RC IRDAN157RP0033V01201920/A0046V01201920 · 29 Sep 2019 Wording Stand-Alone Own Damage Private Car Policy - Add-ons: NCB Protect IRDAN157RP0033V01201920/A0040V01201920 · 29 Sep 2019 Wording Stand-Alone Own Damage Private Car Policy - Add-ons: Personal Belongings including Electronic Equipm IRDAN157RP0033V01201920/A0045V01201920 · 29 Sep 2019 Wording Stand-Alone Own Damage Private Car Policy - Add-ons: Personal Belongings – Theft IRDAN157RP0033V01201920/A0044V01201920 · 29 Sep 2019 Wording Stand-Alone Own Damage Private Car Policy - Add-ons: Small Repair Claim IRDAN157RP0033V01201920/A0039V01201920 · 29 Sep 2019 Wording Stand-Alone Own Damage Private Car Policy: Zero Depreciation IRDAN157RP0033V01201920/A0035V01201920 · 29 Sep 2019 Wording	IRDAN157RP0033V01201920	29 Sep 2019	Wording
Stand-Alone Own Damage Two-Wheeler Policy 13 add-ons Stand-Alone Own Damage Two Wheeler Policy - Add-ons: Consumables IRDAN157RP0034V01201920/A0052V01201920 · 29 Sep 2019 Wording Stand-Alone Own Damage Two Wheeler Policy - Add-ons: Downtime Allowance IRDAN157RP0034V01201920/A0050V01201920 · 29 Sep 2019 Wording Stand-Alone Own Damage Two Wheeler Policy - Add-ons: Engine Protect IRDAN157RP0034V01201920/A0055V01201920 · 29 Sep 2019 Wording Stand-Alone Own Damage Two Wheeler Policy - Add-ons: Invoice Cover IRDAN157RP0034V01201920/A0060V01201920 · 29 Sep 2019 Wording Stand-Alone Own Damage Two Wheeler Policy - Add-ons: Key Protect IRDAN157RP0034V01201920/A0054V01201920 · 29 Sep 2019 Wording Stand-Alone Own Damage Two Wheeler Policy - Add-ons: Loss of License/RC IRDAN157RP0034V01201920/A0059V01201920 · 29 Sep 2019 Wording Stand-Alone Own Damage Two Wheeler Policy - Add-ons: NCB Protect IRDAN157RP0034V01201920/A0053V01201920 · 29 Sep 2019 Wording Stand-Alone Own Damage Two Wheeler Policy - Add-ons: Outstation Emergency Cover IRDAN157RP0034V01201920/A0051V01201920 · 29 Sep 2019 Wording Stand-Alone Own Damage Two Wheeler Policy - Add-ons: Personal Belongings - Damage IRDAN157RP0034V01201920/A0056V01201920 · 29 Sep 2019 Wording Stand-Alone Own Damage Two Wheeler Policy - Add-ons: Personal Belongings including Electronic Equipm IRDAN157RP0034V01201920/A0058V01201920 · 29 Sep 2019 Wording Stand-Alone Own Damage Two Wheeler Policy - Add-ons: Personal Belongings – Theft IRDAN157RP0034V01201920/A0057V01201920 · 29 Sep 2019 Wording Stand-Alone Own Damage Two Wheeler Policy - Add-ons: Road Side Assistance IRDAN157RP0034V01201920/A0049V01201920 · 29 Sep 2019 Wording Stand-Alone Own Damage Two Wheeler Policy - Add-ons: Zero Depreciation IRDAN157RP0034V01201920/A0048V01201920 · 29 Sep 2019 Wording	IRDAN157RP0034V01201920	29 Sep 2019	Wording
Third Party Car Insurance	IRDAN157P0001V01201718	16 Nov 2017	Wording
Two Wheeler Package Policy 13 add-ons Two Wheeler Package Policy - Add-ons: Consumables IRDAN157RP0002V01201819/A0014V01201920 · 29 Sep 2019 Wording Two Wheeler Package Policy - Add-ons: Downtime Allowance IRDAN157RP0002V01201819/A0012V01201920 · 29 Sep 2019 Wording Two Wheeler Package Policy - Add-ons: Engine Protect IRDAN157RP0002V01201819/A0017V01201920 · 29 Sep 2019 Wording Two Wheeler Package Policy - Add-ons: Invoice Cover IRDAN157RP0002V01201819/A0022V01201920 · 29 Sep 2019 Wording Two Wheeler Package Policy - Add-ons: Key Protect IRDAN157RP0002V01201819/A0016V01201920 · 29 Sep 2019 Wording Two Wheeler Package Policy - Add-ons: Loss of License/RC IRDAN157RP0002V01201819/A0021V01201920 · 29 Sep 2019 Wording Two Wheeler Package Policy - Add-ons: NCB Protect IRDAN157RP0002V01201819/A0015V01201920 · 29 Sep 2019 Wording Two Wheeler Package Policy - Add-ons: Outstation Emergency Cover IRDAN157RP0002V01201819/A0013V01201920 · 29 Sep 2019 Wording Two Wheeler Package Policy - Add-ons: Personal Belongings - Damage IRDAN157RP0002V01201819/A0018V01201920 · 29 Sep 2019 Wording Two Wheeler Package Policy - Add-ons: Personal Belongings including Electronic Equipment IRDAN157RP0002V01201819/A0020V01201920 · 29 Sep 2019 Wording Two Wheeler Package Policy - Add-ons: Personal Belongings – Theft IRDAN157RP0002V01201819/A0019V01201920 · 29 Sep 2019 Wording Two Wheeler Package Policy - Add-ons: Road Side Assistance IRDAN157RP0002V01201819/A0011V01201920 · 29 Sep 2019 Wording Two Wheeler Package Policy - Add-ons: Zero Depreciation IRDAN157RP0002V01201819/A0010V01201920 · 29 Sep 2019 Wording	IRDAN157RP0002V01201819	22 May 2018	Wording
Two Wheeler Package Policy - 5 Years	IRDAN157RP0013V01201819	30 Aug 2018	Wording
Two Wheeler Policy - Bundled	IRDAN157RP0015V01201819	30 Aug 2018	Wording
Two-Wheeler Package Policy - Long Term	IRDAN157RP0003V01201819	22 Jun 2018	Wording

Personal accident (1)

Product	UIN	Approved	Policy wording
Compulsary Personal Accident (Owner-Driver)	IRDAN157RP0024V01201819	27 Dec 2018	Wording

Add-ons filed on their own (13)

Add-ons whose parent product is not itself in the register, or which were filed without one.

Add-on	UIN	Approved	Policy wording
Private Car Package Policy - Add-ons: Consumables	IRDAN157RP0007V02201718/A0009V01201819	28 Aug 2018	Wording
Private Car Package Policy - Add-ons: Engine Protect	IRDAN157RP0007V02201718/A0004V01201920	29 Sep 2019	Wording
Private Car Package Policy - Add-ons: Invoice Cover	IRDAN157RP0007V02201718/A0009V01201920	29 Sep 2019	Wording
Private Car Package Policy - Add-ons: Key Protect	IRDAN157RP0007V02201718/A0003V01201920	29 Sep 2019	Wording
Private Car Package Policy - Add-ons: Loss of License/RC	IRDAN157RP0007V02201718/A0008V01201920	29 Sep 2019	Wording
Private Car Package Policy - Add-ons: NCB Protect	IRDAN157RP0007V02201718/A0002V01201920	29 Sep 2019	Wording
Private Car Package Policy - Add-ons: Outstation Emergency Cover	IRDAN157RP0007V02201718/A0008V01201819	28 Aug 2018	Wording
Private Car Package Policy - Add-ons: Personal Belongings - Damage	IRDAN157RP0007V02201718/A0005V01201920	29 Sep 2019	Wording
Private Car Package Policy - Add-ons: Personal Belongings including Electronic Equipment	IRDAN157RP0007V02201718/A0007V01201920	29 Sep 2019	Wording
Private Car Package Policy - Add-ons: Personal Belongings – Theft	IRDAN157RP0007V02201718/A0006V01201920	29 Sep 2019	Wording
Private Car Package Policy - Add-ons: Road Side Assistance	IRDAN157RP0007V02201718/A0007V01201819	28 Aug 2018	Wording
Private Car Package Policy - Add-ons: Small Repair Claim	IRDAN157RP0007V02201718/A0001V01201920	29 Sep 2019	Wording
Private Car Package Policy - Add-ons: Zero Depreciation	IRDAN157RP0007V02201718/A0006V01201819	28 Aug 2018	Wording

Names in the register

IRDAI registration number 157. Filed as: ACKO General Insurance Ltd; Acko General Insurance Limited.

Why the wording matters more than the brochure

A policy is the schedule, the wording and any endorsements, read together. The brochure and the insurer's web page summarise it and say so in their own footers. When a claim is disputed, the surveyor, the insurer and the Ombudsman all read the wording, so it is the document to read before renewal, not after a loss.

Below fifty crore of value at risk, fire cover is IRDAI's standard product and the wording is the same whoever sells it. Above it, and on most liability, engineering and marine covers, the wordings differ and comparing them is the point of using a broker.

Reading a UIN

Every product IRDAI approves carries a Unique Identification Number. For a general insurance product it begins IRDAN, and the three digits that follow are the insurer's IRDAI registration number, which is how this library keeps an insurer's products together through a change of name. The V01, V02 that follow mark the version of the wording. An add-on carries its parent product's UIN with its own /A suffix, or a UIN of its own where it was filed alone.

The UIN is printed on your policy schedule. Match it here and you have the wording your policy was issued on. If your schedule shows a version this library does not list, the insurer has filed a newer one since.

Frequently asked questions

Where can I find Acko policy wordings?

Above: every Acko product in IRDAI's non-life register, with the link to its wording PDF on irdai.gov.in. Match the UIN on your policy schedule.

How many Acko general insurance products are in IRDAI's register?

25 products and 76 add-ons, approved 2017 to 2022.

Which lines of cover does Acko file most?

By number of products in the register: motor 20, fire and property 2, liability 1, marine 1.

All insurers · comparing wordings · what to do when a claim is disputed · claim settlement ratios.

Want a wording read against your own risk before renewal? An IRDAI-registered advisor will do it, free: request a callback or WhatsApp +91 92514 56334.