Entering the established car insurance market, which was dominated by traditional players, Acko encountered numerous significant hurdles. The primary challenge was breaking through the stronghold of well-established insurers who had built considerable trust and loyalty over decades. These traditional companies had entrenched themselves deeply in the market, boasting extensive networks and a solid reputation for reliability. Customers were often hesitant to switch to a new, digital-only insurer like Acko, fearing the unknown and valuing the face-to-face interactions and perceived security offered by conventional insurance providers. To overcome these challenges, Acko needed to strategically differentiate itself by leveraging technology to provide a superior customer experience. They focused on creating a seamless, user-friendly online platform that simplified the insurance buying process, making it more transparent and accessible.