Comparison

ACKO Insurance vs SettleShip

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

ACKO Insurance

Purchase, manage, and claim car, bike, health, and travel insurance policies with ease. Enjoy commission-free plans, paperless processes, and fast claim settlements directly through the app.

Highlights
  • Buy car, bike, and health insurance
  • Manage policies on the go
  • Paperless insurance experience
  • Superfast claims processing
  • Instant one-tap renewal
  • Free insurance quotes
  • Employee health insurance benefits
Features
Read full description

At ACKO, we offer Car, Bike, Travel, Health, Employee Health & Life insurance Buy, manage and claim on any ACKO policy directly on the app: Zero commission, zero paperwork, and superfast claims. *What you get with the ACKO app* - Insurance for your ride: Two-wheeler or Car - Health insurance for you and your family - Corporate health insurance - Commission-free plans at incredibly low premiums - Paperless insurance experience - Manage your policy on the go - Get instant one-tap renewal - Experience smooth claims processing. Tap-upload-done! - Get free insurance quotes *With ACKO, you don’t get* - The nostalgic smell of paper because we have paperless everything. - The pleasure of connecting with strangers and talking for hours about where your claim is stuck because all our processes are simple & automated. *Why ACKO is trustworthy* - 7.5 Cr+ happy smiles - 4.7/5 Star Google rating - 400 Cr+ claims settled What is special about ACKO? Our team is obsessed with making insurance super simple. We offer: Low-cost premiums We focus on selling insurance directly to our customers. This helps us save on commission and pass savings as discounts. Claims service you’ll love Minor damage to the car? Get instant claim settlement. Major damage? Give us a call, and we’ll pick up your car, get it repaired, and bring it back to you within 3 days as per policy terms. You’ll also get step-by-step updates on your claims for Bike, Car, and Health Insurance, so you don’t have to sit and wonder what’s going on. Insurance made easy Whether you want to buy insurance for your motorbike, renew car insurance, or purchase health insurance plans, this app will help you out. Get free insurance quotes Get Car, Bike and Health Insurance quotes on the app for free. For example, you can calculate your car insurance premium within 60 seconds to compare plans. Purchase vehicle insurance quickly Enter details. Get exclusive quotes. Make the payment. Receive your motor insurance policy instantly! Also, access your auto insurance policy document, edit details, and check the policy status. Buy health insurance online easily Check health insurance quotes, choose your preferred plan, and buy health insurance for you and your family. You can use the app to buy Arogya Sanjeevani Policy and ACKO Standard Health Insurance Policy. Health insurance for employees Avail all the insurance and health benefits of your Employee Group Health Insurance — get free doctor consultations, track your fitness & earn rewards, book lab tests, and order medicines from the app! Healthkit integration We integrate seamlessly with Apple Healthkit to sync your steps data and other health related information from the Health app via Apple Healthkit. Access/edit/claim partner policies If you have purchased insurance policies via our partners, you can access, edit, and raise a claim using the app. This is also applicable in the case of insurance policies for mobiles/electronics/appliances. Check vehicle’s RTO info Enter any vehicle registration number to see its corresponding RTO information, such as model, variant, registration date, and other vehicle details. Track traffic challans Worried about pending traffic challans? Check any vehicle’s pending and paid traffic challans by simply entering the vehicle registration number. *Do more with ACKO* - Know your car’s resale value - Get daily fuel prices - Search for nearby EV chargers - Find PUC centres nearby - Look for nearby mobile repair centres *Got questions?* For more details on insurance, please visit www.acko.com. If you have any questions, please write to us at hello@acko.com or call us on 1860 266 2256. IRDAI Registration No: 157 | ACKO General Insurance Ltd. *Disclaimer* The non-insurance services are facilitated and serviced by ACKO Tech and are in no way affiliated with the insurance products & services owned or offered by ACKO GI. Read more: https://www.acko.com/terms-and-conditions/app-store-terms/

About

SettleShip

Features
Read full description

SettleShip is a group expense-splitting app for friends, roommates, and travel groups in India. Users create a "crew" (group), log shared expenses, and the app calculates who owes whom. Settlement is UPI-native: the app generates UPI deep links and QR codes that open the user's own UPI app (GPay, PhonePe, Paytm, etc.) to complete payment — SettleShip itself never processes, holds, or transmits payment credentials or funds. This solves the common friction of manual expense-splitting math and chasing people for repayment in group settings common in India.

Screenshots

ACKO Insurance4 screens
SettleShip4 screens

Verdict

The call

ACKO Insurance and SettleShip are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

ACKO Insurance ships an update fortnightly, SettleShip weekly. The most recent releases landed on October 27, 2026 and October 23, 2026 respectively.

ScorecardNo meaningful differences
ACKO Insurance versus SettleShip: the parameters behind the verdict, then further details
ParameterACKO InsuranceSettleShip
PriceFreeFree
Rating4.8 (240 ratings) — better—
Positive reviews14.3% of reviews—
Number of ratings240 — better—
Update frequencyFortnightlyWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchases—
DevicesiPhone, iPod — betteriPhone
Requires iOS15.6 — better16.4
Further details — not scored
Size151 MB72 MB
Age rating4+4+
DeveloperAcko Technology & Services Private LimitedAkash Gaur

In-app purchases

None

ACKO Insurance

No in-app purchases

None

SettleShip

No in-app purchases

Questions

Is ACKO Insurance free?
ACKO Insurance is free to download, with no in-app purchases.
Is SettleShip free?
SettleShip is free to download, with no in-app purchases.
Do ACKO Insurance or SettleShip have ads?
Neither ACKO Insurance nor SettleShip shows ads.
Which is updated more often, ACKO Insurance or SettleShip?
ACKO Insurance ships an update fortnightly, and SettleShip weekly. Most recently, ACKO Insurance was updated on October 27, 2026 and SettleShip on October 23, 2026.

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