# ACKO Insurance — user reviews

> 27 indexed App Store user reviews of ACKO Insurance by Acko Technology & Services Private Limited, rated 4.80/5 from 235 ratings.

- Source: https://appshunter.io/ios/app/acko-insurance/id1621244359/reviews
- App overview in markdown: https://appshunter.io/ios/app/acko-insurance/id1621244359.md
- Rating breakdown: 5★ 209 · 4★ 15 · 3★ 3 · 2★ 0 · 1★ 8

## Newest reviews (14 of 27)

### 1/5 — ⭐ 1 Star – Worst Experience With Acko! Still Waiting for Claim Settlement

*2025-10-08*

⭐ 1 Star – Worst Experience With Acko! Still Waiting for Claim Settlement
I’m extremely disappointed with Acko’s service. It’s been a long time since I submitted my claim, and despite sharing all the required documents multiple times, the settlement is still pending in my account. The customer support team only gives repetitive responses with no real action or timeline for resolution.
I trusted Acko because of their promise of quick and transparent claim settlement, but my experience has been completely the opposite — full of delays, poor communication, and zero accountability.
If this is how Acko treats genuine customers who follow every process properly, it’s truly frustrating and unacceptable. I hope the concerned team looks into this matter seriously and processes my claim immediately.

### 1/5 — Worst health insurance policy agency

*2025-08-13*

Please do not fall for their scam policies of return on reimbursement on health they will make sure you do not get anything out of your claim. They will keep reviewing and saying doctors are checking but that’s not true. They will accuse you of having diseases and underlying issues when you don’t have and will not pay you back…. They will make sure your recovery post operation is further hampered with the stress they put you through… best is to go through a proper agent who deals with this … when you write an email on informing bout the surgery they will not reply for weeks together and later say sorry for the delayed response. Their customer service is not  great experience and will deny you my services you wish to avail. Not recommended at all.

**Developer response:** Hi, your experience is important to me, and I'd like to personally review this for you. Please share your contact number via https://bit.ly/escalationdesk so that I can get in touch. -Moksh

### 1/5 — A Service Disaster – Would Strongly Recommend Avoiding (Kudlu Gate)

*2025-06-12*

My review is focused entirely on the vehicle service experience — which, from start to finish, felt like a masterclass in how not to run a service center.
•Despite a rescheduled appointment, I was left waiting for 40 minutes at the garage with no one attending to me.
•Losing patience, I had to escalate the issue myself — only to have someone not even responsible for job card entries step in just to get things moving.
•After giving a detailed explanation of the issues and service requirements, none of it was actually addressed.
•A wheel alignment was supposedly done, yet no report was provided. Basic transparency was missing.
•I followed up through the call center (ironically, the only professional and responsive part of the experience), and while they’re polite and convincing, the assurance that “it’ll be fixed in the next two hours” never leads anywhere.

Overall, it was a frustrating, disappointing, and completely avoidable mess. I wouldn’t recommend this service center to anyone looking for even basic reliability, let alone a positive experience.

**Developer response:** Hi, I understand your situation and want to help you here. Could you please share your contact number via hello@ackodrive.com so that I can check this on priority? -Asa

### 1/5 — App is broken

*2025-04-03*

After couple of days of raising claim, it shows 404 error. Seems intentional.

**Developer response:** Hi Vivek, let me handle this for you. Just share your contact number via https://bit.ly/escalationdesk, so that I can assist you further. -Asa

### 1/5 — Worst App & Website.

*2025-01-13*

While creating a new claim the picture upload flow had bugs and I couldn’t load new images the app was requesting me to upload. I wasted so much time thinking it was my fault due to lack of network so I found a place with good internet, but alas…still not working… I had to cal Customer support to use an app (which defeats the purpose) they tell me that because I’m already in the location of the garage it was not allowing me to upload pics … which is stupid, but at least it should inform this to me in the UI. Next the track your claim steps is messed up… the self survey is showing empty but it has proceeded to next steps…the hi says Work order released but Honda Service centre has not received anything. I get fed up with the app and visit their website… which is worse… every time I click the button claims in policies…without me providing any info it creates a new claim for you. ACKO probably wants to boast that it has closed crores of claims. All I wanted to know is why it says Work order released but Honda has not received it. As a person claiming insurance for first time this app and their website was a nightmare.

**Developer response:** I completely understand the difficulties you may have encountered while using the application. To assist you further, I kindly request that you share your contact number with us at techsupport@acko.com. -Aditya

### 1/5 — Worst

*2024-08-31*

Worst Employee Jasmeet. Actually I called Acko for the quotation of my new car Kia Seltos in the month of July and at this time only I booked my car and dealer told me I will get the delivery of car in the first week of September. For 1 month This Acko employee called me within 7 days and in August Tata launched Curve I went to look for this car and heard some issues about Tata Diesel engines are not reliable and sound increased after some time so I dropped the plan for Tata Curve. Today 30 minutes ago this employee called me to know the status of my car, I told him I bought the car 2 days ago and the insurance from the dealer itself because the dealer was known and give good discount on the insurance and better company. So this Acko employee felt this thing on his ego and said harsh words to me and that suddenly arise my tempered and I also replied him back in his style only. I told him it’s upto me from where I want to buy the insurance. Please remove this stupid employee from the company.

**Developer response:** I understand your frustration and want to assure you that I'm here to assist you. Please provide your contact number at https://bit.ly/escalationdesk so that I can connect with you and offer the necessary assistance. -Moksh

### 1/5 — Delayed response

*2024-08-29*

So they asked me to go for medical test. I said ok and scheduled it for today 7-8 am slot. The person came at 6:45 am , called me 6 times and left. When I called the guy at 7 , he said “ I can’t come today” and I saw that medical test has been cancelled for me on app. Can you tell me what the hell is this? My slot was from 7-8. Your guy came 15 mins before and did not wait till 7:05 or 7:10 am also. You guys are fraud. I want to reschedule now but i am not able to because your worst app is not allowing me to do so. I am regretting my decision to buy a policy from you. I am rasing request for callback that is also not happening. No one is calling me. You wanted me to pay you for full year without any medical test. When I paid everything, you asked for medical test and you are intentionally delaying the process and I am still not covered but like a fool paid for an year.

**Developer response:** Your experience is concerning, and please trust that I'll get to the bottom of this. Kindly share your contact number via https://bit.ly/escalationdesk so that I can take this forward. -Moksh

### 1/5 — Do not but any policy from Acko

*2024-07-25*

My flight got cancelled & airline provided me a new flight with the delay of more than 48 hours. 
Acko customer care told me that this policy does not come under their supervision, please call acko allianz team. 
I called allianz team almost 20 times, they keep cutting my call after picking it. And the phone line was completely disturbed. Even they didn’t even care for the call back. 
I wrote a email including their CEO Varun Dua, then somehow I got the response but instead they started giving some lame excuses about the policy section 3.<something>. Seriously who read about these documents. At the time of purchasing the policy it is clearly mention that we will pay for your expenses in the cases of cancellation, delays & lost luggage but now they are saying the reason provided by the airline for flight cancellation is operations issue. This does not come under this policy. 
What a Joke.

**Developer response:** Hi Mayank, do not worry. Just share your contact number at https://bit.ly/escalationdesk so that I can assist you at the earliest. -Moksh

### 1/5 — Service is very worst. I ever used, application is a scam by echo.

*2024-06-27*

I had very disappointing experience with ACKO General Insurance. The service is the worst I have ever encountered. Despite multiple follow-ups, the claim process was unnecessarily delayed, causing significant inconvenience. The guidance provided by the representatives was unclear and inadequate, leading to further frustration. The application process seemed straightforward initially, but it turned out to be highly inefficient and unreliable. It feels like a scam, as the app failed to deliver on its promises. The surveyor assigned to my claim did not conduct an independent analysis and was heavily influenced by internal directives, ignoring the full extent of the damages. This lack of professionalism and transparency is unacceptable. I strongly advise others to think twice before choosing ACKO for their insurance needs. My overall experience has been extremely negative, and I am deeply dissatisfied with their services.

**Developer response:** I understand your concern. Please share your details at https://bit.ly/escalationdesk so that I can take this ahead soon. -Aditya

### 1/5 — Don't buy their travel insurance

*2024-05-23*

I bought their travel insurance for my international trip. The airline delayed my baggage and later delivered to my hotel when I was out. The delay was almost 7 hours. These Acko guys advertise that the claims are easy and all that. Let me tell you the truth. Even after providing all the documents they will first keep sending the same email for few days just some delays tactics. Then now at last someone from their team noticed and even mentioned that I have already shared the documents. The this associate who is handling my request gave some silly reason that the bag delivery tag doesn't have time. I mean when I shared them the copy of my complaint doesn't it mean that it was delayed more than the required time which us covered in their policy. Anyhow I will reach out to consumer forum. These insurance companies makes fake claims and shall be penalised.

### 1/5 — Claim

*2024-03-24*

Bad experience with acko insurance they don’t like to pay anyone’s money back they just ask for documents that’s it
I will not recommend anyone nor people should buy their insurance , their is many options rather than acko

**Developer response:** Hi, your experience is truly important to us. Please share your contact number via https://bit.ly/escalationdesk, and I'll take care of the rest for you. -Asa

### 1/5 — ACKO is Scam

*2024-02-18*

Guys beware of ACKO, don’t fall for their ADs, they are biggest scammers of insurance industry… they don’t care after insurance is purchased, we had really bad experiences with them in Bangalore. My friends and I all cancelled the insurance after facing this problem and moved to better providers.
Even the car service centers or hospitals don’t recommend ACKO as ACKO’s claim executives don’t listen to anyone, they force customers to not claim the money instead they offer that nexts year discounts on premiums..
There is no such easy process to claim insurance after the incident.. they ask to upload photos by customers only and then they refuse to take any other pictures from service centers, if your network is not working then their is no way to send them pictures..
Dont fall for their ads having big movies stars, its just an ad, reality is worse.

### 1/5 — Worst Insurance

*2024-01-09*

It’s been 4 months now without an update on my claim. They will try to find many reasons not pay u for ur insurance. Don’t go wid the advertisement, once u claim u find the opposite. Useless why I am saying is because my bike had caught fire and I was panicked and I had to dowse the fire. Even with quick reflexes my bikes important electrical parts were burned. The insurance surveyor is asking if I have a photo of my bike burning. I know it is a part of their process but who will click a photo when ur bike is burning that too houses are next to it. There can b chances of expulsion or houses may caught fire. Due to all these above reasons ACKO is I guess not ready to pay. ACKO insurance is easily available online so I bought it but when u really need it u will see the real picture. I would suggest staying away from these new comers in the market they are just another waste of time.

**Developer response:** It definitely concerns me to read this and I'll get this checked. Please share your contact number by clicking on https://bit.ly/escalationdesk so that I can assist you on priority. -Moksh

### 1/5 — ACKO Health insurance - Lack of honesty

*2023-08-28*

ACKO health insurance is dishonest and opaque and some of their wordings are very misleading and cheap marketing tricks especially about Disease specific waiting period.
On their APP they claim that there is no waiting periods on disease specific waiting period and coverage starts from day 1 but this is false, once you contact with the sales team then they will tell you that we need to have a doctors call and after the evaluation of the assessment then will decide about the PED coverage. This makes this policy nothing special in the segment. They did not mention this clause on their app and they just advertise like Disease specific waiting period is covered from day 1.
Now my advice to the management is to mention the wording clearly in the app, saying after the doctor call the PED and waiting’s periods will be decided instead of deceiving the end user.

Thanks

**Developer response:** This is not the way I would want you to feel. Please share your contact number with me by clicking on https://bit.ly/escalationdesk so that I can assist you ahead. -Moksh

## Most critical reviews (10 lowest-rated)

### 1/5 — Asks to install app for everything

*2026-06-04*

I wanted to download the policy which I just bought online on my laptop while I went to download the policy document. It wants me to download the app mandated. It won’t give me the docs without the app being installed. It’s so frustrating. Uninstalled the app. And down rated the app.

**Developer response:** Hi Shiva, we understand your concern regarding downloading the app to access your policy document. For security and convenience, your policy documents are currently accessible only via the ACKO app. This helps keep your information safe while making it easy for you to access anytime. -Asa

### 1/5 — I wish I could give 0.1 rating

*2026-05-03*

I wish I could give them zero stars. My experience with Acko Drive has been nothing short of a scam. If you are looking for a transparent car-buying process, look elsewhere.
The Issues:
• Financial Mismanagement: During the process, they claimed a "system glitch" and forced me to pay extra, promising a full refund within 10 days. It has now been over 40 days since I took delivery, and I have not seen a single rupee.
• The "Ghost" Executive: I was explicitly promised that an Acko executive would be present during the car delivery to assist with the process. No one showed up.
• Payment Failures: My car delivery was actually put on hold by the dealership because Acko failed to clear the dues on time. It was incredibly embarrassing and unprofessional.
• Zero After-Sales Support: Before I paid the booking amount, I was getting 5+ calls a day. The moment the invoicing was done, they vanished.
• Broken Customer Service: Their "support" is a joke. Whenever I call to track my refund, the call miraculously gets disconnected, and they never bother to call back. Emails and follow-ups go completely ignored.
The Verdict:
I am now genuinely concerned about the validity of my insurance given how they handle their finances. This company is great at marketing but pathetic at execution and ethics. Do not trust their low-price claims—you will pay for it in mental agony and lost money.
Save yourself the headache: Buy directly from a reputed dealer and stay away from this fraud.

**Developer response:** Hi Nishad, this is not the experience I intended you to have. Please share your contact number via hello@ackodrive.com so that I can take it ahead. -Asa

### 1/5 — Terrible Service Never buy Acko Insurance Again

*2026-04-24*

I am writing this review to warn others about the absolutely nightmare experience I had with Acko General Insurance during my recent claim process. While purchasing the policy was easy and fast, their claim support is non-existent, agonizingly slow, and unprofessional.
Key Issues Experienced:
Extremely Slow and Time-Taking: I filed a claim expecting a "digital-first" experience. Instead, I spent weeks following up. The process was unorganized, and they took forever to process simple approvals, leaving me without my vehicle.
Rude and Angry Staff: When I managed to get a customer support executive on the phone, they were not only unhelpful but also spoke in a very angry and unprofessional tone. It felt like they were doing me a favor by processing my claim, rather than providing the service I paid for.
Constant Documentation Changes: They kept changing their document requirements, which caused unnecessary stress and delays.

I felt harassed and ignored throughout this process. Acko’s advertisements are misleading; their service is far from "hassle-free." Save your mental peace and money—go for a more established insurance provider.
Never again. Terrible service.

**Developer response:** Hi, allow me a chance to assist you with this. Please share your contact number via https://bit.ly/escalationdesk so that I can connect with you. -Arya

### 1/5 — Do not buy any policy from acko

*2026-03-26*

My flight got cancelled & airline provided me a new flight with the delay of more than 7 hours and to my destination delayed 10 hours
Acko customer care called to team almost 6-7 times, they keep cutting my call after picking it. And the phone line was completely disturbed. Even they didn't even care for the call back.
Seriously who read about these documents. At the time of purchasing the policy it is clearly mention that we will pay for your expenses in the cases of cancellation, delays & lost luggage but now they are saying the reason provided by the airline for flight cancellation is operations issue. This does not come under this policy.
I’ve called to care many times they told always we call you right back after 1-2 every time but they didn’t call me back it’s 3 days now but no oner take responsibility about call back

**Developer response:** Hi Zuber, this is genuinely concerning to read. Kindly share your contact number via https://bit.ly/escalationdesk so that I can reach out and assist you. -Mahi

### 1/5 — Say no to ACKO

*2026-03-16*

I am very disappointed with the service provided by ACKO Insurance during my recent vehicle claim process. The experience was frustrating and far from what they advertise.

After my car accident, I raised a claim through ACKO expecting a smooth and quick process. However, the claim processing took 9 days, which is extremely slow for a company that claims to provide fast digital insurance services.

During this period, there was very poor communication and almost no proper updates from their support team. I had to follow up multiple times just to know the status of my claim.

What made the situation worse is that ACKO approved only about 40% of the claimed repair amount, which was far below the actual repair cost. This was very disappointing because the purpose of having insurance is to get proper financial support during such situations.

Overall, the claim handling process was slow, unclear, and unsatisfactory. Based on my experience, I cannot recommend ACKO Insurance to others. I hope they improve their customer service, transparency, and claim settlement process so that other customers do not face the same issues.

**Developer response:** Hi Rajesh, I don't want you to feel this way. Could you please share your contact number via https://bit.ly/escalationdesk so that I can reach out to you? -Ria

### 1/5 — Worst insurance

*2026-03-05*

Worst insurance hai maine gadi li thi new us time pe insurance acko pe banwaya tha tab easy claim a o sab chiz ki advertisement dikhate hai a log jab meri gadi accident huwi to maine claim k liye dala tha to a log gadi accident hone ki vedio mangrahe hai abhi mujhe kya pata k gadi girne ki vedio upload karne pe hi insurance claim milega agar a log jab advertisement karte hai us time dalte to mai gopro dalleke accident hota scammer hai a
Log abhi mujhe batarahe hai ki vedio dalo nhi toh insurance claim nhi hoga aur gadi na meri mother k nam pe hai maine bataya k unke pas driving license nhi hai she is house wife toh a acko wale driving license upload karo ya Phir accident ka vedio dalo proof k liye bolrahe hai abhi a batao k accident kya janke hota hai kya kou b use matt karo acko fraud hai a chor madar chod log hai isme jab k gadi hai proper documents hai gadi k yaha tak k insurance nominee me mera khud ka nam hai aur jab maine a sab chize claim k jab mention ki hai k meri mother k nam
Pe gadi hai gadi mai use karta hu driving license mera sab kuch dalke hu phir b a log jo chiz possible nhi hai o chiz hi puchte hai abhi aap log hi batao accident k jab kon vedio leke inlogo ko upload karega aur company me 23,570 bill aya hai insurance claim hi nhi hora hai maine 10k deke acko se insurance liya lkn kuch fida nhi fraud hai acko koi b matt lena a madarchodo se insurance…

### 1/5 — Poor experience

*2025-12-31*

Extremely hard to file a claim from a mobile app . There has to be option to file claim from website also.Also are spamming the users to download app in the garb of checking challans

**Developer response:** Hi Nishant, your experience matters to us. Could you please share your contact number via https://bit.ly/escalationdesk so that I can get this checked? -Mahi

### 1/5 — Acko car service

*2025-12-07*

Don’t be fooled by their fraud, claims of low cost and everything, and by the name of the company, it is a completely waste of time. If you send your car here. I sent my Car for 24 hours. I had no information. I kept calling no one ever picked up. I was never given an estimate. this is a completely poor standard company with a very very poor service. They always keep saying someone will call you in one hour. No one calls up ever their service guys. Give me a random estimate of the car probably replacing the original parts with some duplicate parts or something like that. I’m not sure but completely waste of time. Don’t ever be fooled by low-cost go for the original car service. I would recommend.

### 1/5 — Poor experience

*2025-10-31*

Extremely hard to file a claim from a mobile app . There has to be option to file claim from website also.

**Developer response:** Hi Nishant, your experience matters to us. Could you please share your contact number via https://bit.ly/escalationdesk so that I can get this checked? -Mahi

### 1/5 — ⭐ 1 Star – Worst Experience With Acko! Still Waiting for Claim Settlement

*2025-10-08*

I’m extremely disappointed with Acko’s service. It’s been a long time since I submitted my claim, and despite sharing all the required documents multiple times, the settlement is still pending in my account. The customer support team only gives repetitive responses with no real action or timeline for resolution.
I trusted Acko because of their promise of quick and transparent claim settlement, but my experience has been completely the opposite — full of delays, poor communication, and zero accountability.
If this is how Acko treats genuine customers who follow every process properly, it’s truly frustrating and unacceptable. I hope the concerned team looks into this matter seriously and processes my claim immediately.

**Developer response:** Hi, I get that this situation isn’t ideal for you. Please share your contact number at https://bit.ly/escalationdesk so that I can connect with you and take this forward. -Aditya

## Most praised reviews (3 highest-rated)

### 5/5 — Kudos to ACKO for a Truly Seamless Experience! 🙌

*2026-06-05*

I wanted to share a quick note of appreciation for ACKO Health Insurance. My mother recently underwent cataract surgery, and the entire claims process was nothing short of exceptional.
Here is why ACKO has earned my highest recommendation:
 Zero Hidden Costs: They provided 100% payment clearance. There was absolutely no co-pay deduction and zero consumable deductions—everything was covered exactly as promised.
 Zero Human Intervention: The entire process was automated, smooth, and completely hassle-free.
 Lightning-Fast Settlement: The complete payment was cleared in just 3 days without me having to chase anyone for updates.
Seeing a digital-first insurer deliver on its promise so seamlessly during a stressful time is incredibly reassuring. I am extremely happy with their service and will definitely be recommending my friends and colleagues to switch to ACKO!
Thank you, team ACKO, for setting a new benchmark in health insurance. 🚀

### 5/5 — Service

*2025-12-23*

Best

### 5/5 — Truly Reliable when it mattered most

*2025-11-09*

To the ACKO Health Insurance Team,

I want to express my sincere gratitude for the exceptional support and coverage provided during one of the most challenging periods of my life.

As a 28-year-old medical professional, I never imagined I’d find myself hospitalized three times for fever of unknown origin, followed by an acute DVT that required both thrombolysis and thrombectomy. The cumulative stress of managing a serious health condition—combined with the logistical and emotional load of being a doctor-turned-patient—was overwhelming.

Thanks to ACKO’s seamless support, every one of my hospitalizations, including a major surgery costing over ₹14 lakh, was covered 100%. Your timely and reliable financial backing gave me the space to focus on healing, rather than worrying about medical bills. For that, I am deeply thankful.

It’s reassuring to know that in moments of vulnerability, there are institutions that truly stand by their promises. ACKO has earned my trust as both a healthcare provider and a policyholder.

Thank you for being there when I needed it the most. I’ve already recommended ACKO to many of my colleagues, and several have even purchased policies after witnessing my experience. I’ll continue to recommend ACKO to everyone, and I sincerely hope you continue delivering on your promises in the future as well.

Warm regards,
Dr. Mohd Furqan Uddin

**Developer response:** The kind words you’ve shared truly stand out, and knowing that your journey with us made a real difference for you means a lot, Furqan! Thank you for taking the time to express everything with such clarity and positivity. 💜 -Aditya

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-12.*