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 on the APIs.io network: General Insurance (API Setu / DigiLocker). Tagged areas include Company, Consumer, Insurance, InsurTech, and Financial Services.

Acko’s developer surface includes authentication, documentation, API reference, engineering blog, support, and 16 more developer resources.

🌐 Visit website 📡 Source on GitHub
32.5/100 thin Agent 69/100 agent native Full breakdown ↓
scored 2026-07-20 · rubric v0.4
1 APIs 1 MCP Servers 0 Features
CompanyConsumerInsuranceInsurTechFinancial ServicesDigital InsuranceIndiaEmbedded Insurance

API Rating

API Evangelist API Evangelist Rating How this is scored →
scored 2026-07-20 · rubric v0.4
Composite quality — 32.5/100 · thin
Contract Quality 9.4 / 25
Developer Ergonomics 9.6 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 69/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/acko: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs

Acko General Insurance (API Setu / DigiLocker)

Government API Setu surface for fetching Acko car, health and two-wheeler insurance policy certificates into a citizen's DigiLocker. Authenticated with X-APISETU-APIKEY and X-AP...

MCP Servers

acko-mcp.yml

MCP SERVER

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
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 WellKnown
WellKnown
 AgentSkill
AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 ErrorCatalog
ErrorCatalog
 Conformance
Conformance
 DataModel
DataModel
 Lifecycle
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

Source (apis.yml)

apis.yml Raw ↑ 
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
specificationVersion: '0.20'
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
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- name: Acko General Insurance (API Setu / DigiLocker)
  description: Government API Setu surface for fetching Acko car, health and two-wheeler insurance policy certificates into
    a citizen's DigiLocker. Authenticated with X-APISETU-APIKEY and X-APISETU-CLIENTID headers.
  humanURL: https://betadirectory.api-setu.in/api-collection/acko
  baseURL: https://apisetu.gov.in/acko/v3
  properties:
  - type: OpenAPI
    url: openapi/acko-apisetu-openapi-original.json
  - type: Overlay
    url: overlays/acko-apisetu-overlay.yaml
common:
- 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: MCPServer
  url: mcp/acko-mcp.yml
- 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