Acko vs Digit Bike Insurance: Which Is Better for Your Two-Wheeler in 2025?

 

Acko vs Digit Bike Insurance: Which Is Better for Your Two-Wheeler in 2025?

When it comes to securing your two-wheeler, choosing the right insurance provider is crucial. Two leading names in the digital insurance space are Acko and Digit. Both offer competitive policies, but which one is right for you? Here's a detailed comparison of Acko vs Digit bike insurance to help you decide.

1. Policy Coverage and Types

• Acko Bike Insurance
  Acko offers third-party, standalone own-damage, and comprehensive policies. It’s known for low premiums and customization options. Acko also provides zero-depreciation and engine protection add-ons.
• Digit Bike Insurance
  Digit provides similar policy types with additional features like consumables cover, return-to-invoice, and breakdown assistance. The insurer is known for flexibility in sum insured and add-on customization.

2. Premium Rates

• Acko is known for offering low premiums due to its direct-to-customer model, which eliminates middlemen.
• Digit may have slightly higher premiums, but often includes more extensive coverage options.

Verdict: Acko wins in affordability, especially for basic coverage. Digit offers value for money with feature-rich plans.

3. Claim Process and Settlement Ratio

• Acko has a 100% digital claim process with fast approvals. It boasts a claim settlement ratio (CSR) of over 95%.
• Digit also features an easy digital process and a CSR of about 96%, slightly higher in some segments.

Verdict: Both are excellent, but Digit may edge ahead in faster resolution for major claims.

4. Network Garages

• Acko has tie-ups with 3,000+ garages across India.
• Digit has a larger network with over 6,000 garages, offering wider access to cashless services.

Verdict: Digit offers better reach for repairs and servicing.

5. Customer Support and Ratings

• Acko has strong app and web support with a 4.5+ star rating on Google Play.
• Digit also offers robust support and slightly better user ratings in some surveys.

Verdict: Both provide excellent support, with Digit having a slight edge in responsiveness.

Final Verdict: Acko vs Digit Bike Insurance

• Choose Acko if you want low premiums and a 100% digital experience. It’s ideal for budget-conscious riders.
• Choose Digit if you prefer extensive coverage, add-on options, and a wider garage network.

Tip: Always compare personalized quotes before buying. Use official websites or policy aggregators to get the best deal.