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: APIs API. Tagged areas include Company, Consumer, Insurance, InsurTech, and Financial-Services.

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

🌐 Visit website 📡 Source on GitHub

37.0/100 thin ▬ flat Agent 26/100 agent aware saas Full breakdown ↓
scored 2026-08-30 · rubric v0.17.2

AccessSelf serve

1 APIs 1 MCP Servers

Company Consumer InsuranceInsurTechFinancial-Services Digital Insurance India Embedded Insurance

Kin Score

Kin Score How this is scored →
scored 2026-08-30 · rubric v0.17.2

Composite quality — 37.0/100 · thin

Contract Quality 11.9 / 21

Developer Ergonomics 6.4 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.5 / 10

Discoverability 6.5 / 9

Regulatory Posture 7.3 / 15

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 Surface 0 / 5

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.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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 1

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

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

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

MCPServer

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: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  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
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: 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

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Acko

Kin Score

APIs 1

Acko APIs API

Open Collections 2

API Collection

Acko General Insurance Limited APIs API

MCP Servers 1

Acko MCP Server

Security Posture 2

Acko Authentication

Acko Domain Security

Agentic Access 1

Acko Agentic Access

Resources