July 7, 2026 · Comparison · 7 min read
Both are new-age digital insurers that make buying and claiming car insurance simpler than legacy players. Acko is app-first and direct-to-consumer with lean pricing and a smooth in-app claim flow. Go Digit has wider distribution, a strong smartphone-based self-inspection and claims process, and a broader product line. For a pure app experience, Acko; for claims reputation and reach, Digit.
Acko and Go Digit both target buyers frustrated with paperwork-heavy legacy motor insurance. Both let you buy online in minutes, both offer the standard add-ons (zero depreciation, roadside assistance, engine protection, return-to-invoice), and both lean on technology for claims. The differences are in distribution model and claims experience.
On the policy itself the two are close: comprehensive and third-party cover, IDV selection, and the usual add-on menu. Acko's direct model can produce competitive base premiums because it strips out intermediary commissions. Digit's add-on bundles and coverage options are broad, and it markets simple, plain-language policy wordings.
Claims are where reputation is earned. Digit built early brand strength on a smartphone-led self-inspection flow — you record a short video of the damage and the claim proceeds without an in-person surveyor for many cases, which speeds settlement. Acko runs a fully in-app claims journey with cashless network garages and digital surveys. Both are materially faster than traditional insurers; Digit's self-inspection is the more talked-about differentiator.
Premiums depend on car, city, IDV, and add-ons, so quote both before deciding — neither is universally cheaper. Acko's no-agent model helps on base price; Digit sometimes wins on bundled add-ons or specific vehicle segments. Because both quote instantly online, running the exact same inputs through each takes minutes and is the only reliable way to compare.
Choose Acko if you want the leanest app-first, direct experience and its quote is competitive for your car. Choose Digit if claims reliability and its self-inspection process matter most to you, or if you want its wider product range. Either way, get quotes from both with identical add-ons before you buy.
| Dimension | Acko | Go Digit |
|---|---|---|
| Model | Direct-to-consumer, app-first | Wider distribution + direct |
| Claims | In-app, cashless network garages | Smartphone self-inspection |
| Add-ons | Standard motor add-on menu | Broad add-on bundles |
| Base pricing | Lean (no agent commission) | Competitive; varies by segment |
| Best for | Leanest app-first experience | Claims reputation & reach |
Bottom line: quote both with identical IDV and add-ons — Acko often wins on base price and app polish, Digit on claims reputation and self-inspection.
Whose car insurance claim is faster?
Both are far faster than legacy insurers. Go Digit's signature is a smartphone-based self-inspection that avoids an in-person surveyor for many claims; Acko runs a fully in-app claim with cashless network garages.
Which is cheaper for car insurance, Acko or Digit?
It depends on the car, city, IDV, and add-ons. Because both quote instantly online, running the exact same inputs through each takes minutes and is the only reliable way to compare price.
Do both offer zero-depreciation cover?
Yes. Both Acko and Go Digit offer zero-depreciation and the common motor add-ons (roadside assistance, engine protection, return-to-invoice); the difference is in bundling and price, not availability.
Which is better for a brand-new car?
For a new car, prioritise zero-depreciation and return-to-invoice add-ons, then compare both insurers' bundles at the same IDV. Either Acko or Digit can win depending on your city and vehicle segment, so always quote both.
Can I switch insurers at renewal without losing my NCB?
Yes. Motor insurance is portable at renewal and your no-claim bonus carries over, so it is worth re-quoting both Acko and Digit each year rather than auto-renewing with your current insurer.
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