Acko

Acko (ACKO Technology & Services Private Limited) is an Indian digital-first general insurance company founded in 2016 and headquartered in Bengaluru, Karnataka. Acko sells car, bike, health, term life and travel insurance entirely online, along with group health and personal-accident cover and embedded insurance for partners. It is a portfolio company of Accel. Acko exposes insurance policy certificates to citizens through India's government API Setu / DigiLocker platform (car, health and two-wheeler certificate fetch), and operates a separate enterprise/partner issuance API covering token generation, Loan-Shield, Trip, GIG, Health, House, Credit Life, Fire, Cyber and Electronics products plus policy and claims management.

Acko publishes 1 API contract indexed on the APIs.io network: APIs API. Tagged areas include Company, Consumer, Insurance, Insurtech, and Financial Services.

The Acko catalog on APIs.io includes 1 Spectral governance ruleset.

Acko’s developer surface includes authentication, documentation, API reference, engineering blog, support, and 17 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

37.6/100 thin ▬ flat Agent 26/100 agent aware Front door AI 1/6 silent Heartbeat 91/100 alive saas Full breakdown ↓
scored 2026-11-02 · rubric v0.26.0 · Show this score on your site →

1 published contract 3 Agent Skills

Company Consumer Insurance Insurtech Financial Services Digital Insurance India Embedded Insurance

Kin Score

Kin Score How this is scored →
scored 2026-11-02 · rubric v0.26.0

Composite quality — 37.6/100 · thin

Contract Quality 9.4 / 19

Developer Ergonomics 5.6 / 15

Access Clarity 3.2 / 15

Operational Transparency 0.0 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 4.2 / 15

Create-or-Update Ergonomics 2.8 / 10

Agent readiness — 26/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 21.1 — up to +15.8 composite points
Operational Transparency scores 0.0 — up to +13.0 composite points
Developer Ergonomics scores 37.5 — up to +12.5 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/acko/apis.yml: open an issue on github.com/api-evangelist/acko to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
India Stack (Account Aggregator, ONDC, UPI, DigiLocker, Aadhaar)	regulated	22.7 (thin)	-	-
India RBI / SEBI Registers (SEBI intermediaries, RBI NBFCs, payment aggregators, PPI issuers, AAs)	regulated	22.7 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Acko APIs API

The APIs API from Acko — 3 operation(s) for apis.

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Acko General Insurance Limited APIs API

OPEN COLLECTION

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

Fetch an Acko car insurance certificate

AGENT SKILL

Fetch an Acko health insurance certificate

AGENT SKILL

Fetch an Acko two-wheeler insurance certificate

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Acko API Rules

42 rules · 40 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Acko Apisetu Overlay

4 actions · update · acko-apisetu-openapi-original.json

DERIVED

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Acko Authentication

apiKey · 2 schemes

SECURITY

Acko Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Acko Agentic Access

3 operations · 3 acting

AGENTIC

Resources

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

X-MCPServerCandidate

LLMsTxt

WellKnown

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Conformance

DataModel

Lifecycle

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

API Keys

API Keys

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

About

About

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: acko
name: Acko
description: Acko (ACKO Technology & Services Private Limited) is an Indian digital-first general insurance company founded
  in 2016 and headquartered in Bengaluru, Karnataka. Acko sells car, bike, health, term life and travel insurance entirely
  online, along with group health and personal-accident cover and embedded insurance for partners. It is a portfolio company
  of Accel. Acko exposes insurance policy certificates to citizens through India's government API Setu / DigiLocker platform
  (car, health and two-wheeler certificate fetch), and operates a separate enterprise/partner issuance API covering token
  generation, Loan-Shield, Trip, GIG, Health, House, Credit Life, Fire, Cyber and Electronics products plus policy and claims
  management.
url: https://raw.githubusercontent.com/api-evangelist/acko/refs/heads/main/apis.yml
x-type: company
x-source: accel-portfolio
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-02'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
image: https://www.acko.com/favicon.ico
tags:
- Company
- Consumer
- Insurance
- Insurtech
- Financial Services
- Digital Insurance
- India
- Embedded Insurance
tags_raw:
- Company
- Consumer
- Insurance
- InsurTech
- Financial Services
- Digital Insurance
- India
- Embedded Insurance
- Financial-Services
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: acko:acko-apis-api
  name: Acko APIs API
  description: The APIs API from Acko — 3 operation(s) for apis.
  humanURL: https://betadirectory.api-setu.in/api-collection/acko
  baseURL: https://apisetu.gov.in/acko/v3
  tags: []
  tags_raw:
  - APIs
  properties:
  - type: OpenAPI
    url: openapi/acko-apis-api-openapi.yml
common:
- type: Overlay
  url: overlays/acko-apisetu-overlay.yaml
- type: AgenticAccess
  url: agentic-access/acko-agentic-access.yml
- type: Authentication
  url: authentication/acko-authentication.yml
- type: API Keys
  url: authentication/acko-authentication.yml
- type: Conventions
  url: conventions/acko-conventions.yml
- type: ErrorCatalog
  url: errors/acko-problem-types.yml
- type: Conformance
  url: conformance/acko-conformance.yml
- type: DataModel
  url: data-model/acko-data-model.yml
- type: Lifecycle
  url: lifecycle/acko-lifecycle.yml
- type: X-MCPServerCandidate
  url: mcp/acko-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/acko-llms.txt
- type: WellKnown
  url: well-known/acko-well-known.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DomainSecurity
  url: security/acko-domain-security.yml
- type: Website
  url: http://www.acko.com
- type: Documentation
  url: https://www.acko.com/enterprise/documentation/enterprise.html
- type: APIReference
  url: https://www.acko.com/enterprise/documentation/enterprise.html
- type: Blog
  url: https://www.acko.com/articles/
- type: Support
  url: https://www.acko.com/contact-us/
- type: TermsOfService
  url: https://www.acko.com/terms-and-conditions/
- type: PrivacyPolicy
  url: https://www.acko.com/privacy-policy/
- type: About
  url: https://www.acko.com/about-us/
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Acko API — frequently asked questions

Does Acko have an API?

Yes. APIs.io lists 1 API from Acko, including Acko APIs API.

Is there an OpenAPI specification for the Acko API?

Yes. APIs.io indexes 1 OpenAPI specification for Acko, each linked for download from this page.

How do I authenticate with the Acko API?

Acko uses bearer-token authentication (apiKey · 2 schemes). The details are profiled on APIs.io as Acko Authentication.

Is the Acko API ready for AI agents?

Acko has a Kin Score of 37.6 out of 100 (thin) and an Agent Readiness score of 25.5 (agent-aware), scored by API Evangelist on 2026-11-02.

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