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Cancellation service #1 in India
4.9Calculated on 5.6K reviews
I hereby notify you of my decision to terminate the contract relating to the Acko service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation Acko: Easy Method
What is Acko
Overview
Acko is a digital insurer in India that sells car, health, and device protection products online. It focuses on simple online purchase, policy management through a portal or app, and digital-first claim processes.
Key services
Products include motor insurance, health plans, and device protection with annual plans. Policies are issued electronically and can be managed from the Acko web portal or mobile app.
How to cancel Acko
Cancel via web portal
- Login to acko.com and open your dashboard.
- Go to the policy card and click "View Details".
- Choose "Edit Policy" and select "Cancel Policy".
- If you have already started another policy, upload the alternate policy copy as requested.
Other cancellation contexts
- If you are within the free-look period or policy not commenced, follow the portal steps to request cancellation for a refund.
- If a claim is already lodged, you may still cancel but note that refunds are typically not given (see refund section).
What happens when you cancel
Policy access and records
After cancellation your policy is marked as cancelled in the portal and you will retain access to the cancellation record and any policy documents for reference.
Keep screenshots or PDFs of the cancellation confirmation and any communication for future disputes.
Renewal and future purchases
Cancellation stops any future automatic renewals for that policy term. You remain eligible to buy new coverage from Acko or other insurers immediately, subject to underwriting rules.
Will I get a refund?
General rules
Full refund is available when the policy has not commenced or is rejected after evaluation.
During the first 30 days (free-look period) a refund is possible but the insurer may deduct proportional risk premium, stamp duty, or other basic fees.
Exceptions and special cases
- If a claim has been lodged: cancellation is allowed but no refund is typically provided.
- For motor policies after commencement: pro-rata refund applies only in specific cases such as vehicle sale or replacement; otherwise contact support.
- If policy is rejected after evaluation: a full refund should be processed, typically within about 7 working days.
Acko plans and pricing
Available plans (sample)
The table below lists representative one-year device protection plans and sample pricing as available from product listings in early 2026.
How to read the table
Prices shown are annual and cover specific device value bands. Exclusions such as wear-and-tear, theft, or unauthorized repair typically apply.
| Plan | Price | 期間 | Features |
|---|---|---|---|
| 1-Year Total Damage Protection (₹10,001 - 15,000) | ₹799.00 | Annual | Covers accidental & liquid damage; excludes wear-and-tear, theft, unauthorized repair. |
| 1-Year Screen Damage Protection (₹20,001 - 25,000) | ₹1,149 | Annual | Covers screen damage; excludes theft, wear-and-tear, accessories. |
| 1-Year Total Damage Protection (₹30,001 - 35,000) | ₹2,049 | Annual | Covers accidental & liquid damage; exclusions apply. |
| 1-Year Total Damage Protection (₹50,001 - 60,000) | ₹3,299 | Annual | Covers accidental & liquid damage; exclusions apply. |
| 1-Year Total Damage Protection (₹60,001 - 70,000) | ₹3,899 | Annual | Covers accidental & liquid damage; exclusions apply. |
| 1-Year Total Damage Protection (₹70,001 - 100,000) | ₹4,999 | Annual | Covers accidental & liquid damage; exclusions apply. |
Your consumer rights in India
Free-look and refunds
Under IRDAI norms insurers must offer a free-look period (commonly 30 days) allowing cancellation with possible minor deductions. This is applicable for Acko policies as published.
If a policy is not issued or is rejected after evaluation insurers should refund the premium within a reasonable time (commonly around 7 working days).
Escalation and disclosure
- If you face non-transparent disclosure of policy wording or poor claim handling, you can escalate through the insurer's grievance officer and the IRDAI grievance redressal channels.
- Keep written records, policy documents, and communication timestamps for any escalation or complaint.
Customer experiences
Positive feedback
Some customers report fast, cashless services for specific claims such as windshield replacement with minimal hassle.
Digital-first servicing and quick online policy issuance are commonly cited strengths.
Common complaints
- Delays and inconsistent claim approvals where some items are treated as wear-and-tear or excluded.
- Poor communication, app glitches, and mistakes in booking diagnostics or lab appointments for health checks.
- Reports of pressure to withdraw claims or insufficient explanation for claim rejection in a few cases.
Documentation checklist
Before you cancel
- Policy number and registered mobile/email credentials used to log in.
- Copy of the alternate policy if cancelling because you've bought replacement cover.
At the time of cancellation
- Screenshot or PDF of the cancellation confirmation screen.
- Any communication from Acko confirming refund amount or deductions.
Common mistakes
Assuming automatic refund
Many users expect a full refund in all cases. Refunds depend on policy state: not commenced policies get full refunds, but after claims refunds are typically not provided.
Not saving cancellation proof
Users sometimes fail to save the cancellation confirmation or policy card screenshot. That makes later disputes harder to resolve.
Comparative recap
Quick comparison
The table below summarizes typical outcomes for cancellation and refunds for quick reference.
How to use this table
Use this as a high-level guide; individual outcome depends on policy wording and underwriting decisions.
| Situation | Cancellation allowed | Typical refund |
|---|---|---|
| Policy not commenced | Yes | Full refund |
| Within 30-day free-look | Yes | Refund minus proportional premium/fees |
| After commencement (motor: vehicle sold) | Yes (in many cases) | Pro-rata refund (where applicable) |
| After a claim is lodged | Yes | No refund generally |
After cancelling
Track refunds and confirmations
Monitor the account used for the original payment and the Acko portal for refund status. Retain all confirmation messages until the refund is settled.
Further actions
- If you disagree with refund or claim handling, contact Acko support through the app or portal and request escalation to the grievance officer.
- If unresolved, consider filing a complaint with IRDAI or pursuing consumer redressal, keeping your documentation ready.
Address
Primary address
36/5 Hustlehub One East, Somasandrapalya, 27th Main Road, Sector 2, HSR Layout, Bangalore - 560102, India
How to contact
Use the Acko app or web portal to raise support requests and grievances. Keep policy details handy when contacting support for faster resolution.