Ashok Leyland Dost Insurance
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Ashok Leyland Dost Insurance Price Check & Policy Renewal Online

ashok leyland dost insurance
Source: ashokleyland.com

Ashok Leyland Dost is a light commercial vehicle, used mainly to transport goods from one place to another. Being an important vehicle for businesses, Ashok Leyland Dost requires complete protection from the mishaps that might happen on its way. 

This is why Ashok Leyland Dost insurance is a must to safeguard the vehicle from any damage or loss, and therefore, having a financial backup for your business. So, here’s everything you need to know about insurance for Ashok Leyland Dost.

Table of Contents

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What is Ashok Leyland Dost Insurance?

Ashok Leyland Dost insurance is a kind of commercial insurance policy offered for light commercial vehicles such as Ashok Leyland Dost to provide coverage for damages or losses to the vehicle due to accidents, theft, natural disasters, or third-party liabilities. 

The insurance policy ensures that the vehicle owner is financially protected in unforeseen situations. There are two main types of insurance available for the Ashok Leyland Dost: Comprehensive insurance and Third-party Liability plan.

Is Ashok Leyland Dost Insurance Mandatory?

Yes, having a commercial insurance policy is mandatory in India as per the Motor Vehicles Act, 1988. To legally drive your Ashok Leyland Dost on the Indian roads, you must have at least a third-party liability insurance, as it also ensures financial protection against damages or injuries caused to third parties in the event of an accident.

Why Should You Buy Ashok Leyland Dost Insurance?

Getting insurance for Ashok Leyland Dost is important for several reasons, including:

  • Financial Protection: Ashok Leyland Dost Insurance online offers complete financial protection to the commercial against accidents, theft, natural disasters, and third-party liabilities, ensuring your vehicle and your business remain safe.

  • Mandatory by Law: Having at least a third-party liability policy is mandatory by law in India. So, if you want to avoid penalty, you need insurance for Ashok Leyland Dost.

  • Customizable Add-ons: You can also select from various add-on options available to tailor the Ashok Leyland Dost online insurance policy to your specific needs.

  • Peace of Mind: With all such features, an insurance policy allows you to have peace of mind so that you can focus on your business.

Why Choose Digit for Ashok Leyland Dost Insurance?

We treat our customers like VIPs, know how…

Customize your Vehicle IDV

Customize your Vehicle IDV

With us, you can customize your vehicle IDV as per your choice!

24*7 Support

24*7 Support

24*7 call facility even on National Holidays

Super-Fast claims

Smartphone enabled self-inspection processes takes minutes!

Key Features of Ashok Leyland Dost Insurance by Digit

Key Features

Digit Benefit

Claim Process

Paperless Claims

Customer Support

24x7 Support

Premium

Customized as per type of commercial vehicle & number of vehicles to be insured

Additional Coverage

PA Covers, legal liability cover, special exclusions and compulsory deductibles, etc.

Damages to Third-Party

Unlimited liability for personal damages, up to 7.5 lakhs for property/vehicle damages

What's Covered in Ashok Leyland Dost Insurance by Digit?

Accidents

Accidents

Damages and losses caused to the heavy-duty vehicle due to an accident.

Theft

Theft

Any damages and losses caused to the heavy-duty vehicle in the case of a theft.

Fire

Fire

Any damages or losses caused to the heavy-duty vehicle in an unfortunate case of fire.

Natural Disasters

Natural Disasters

Any damages and losses caused to your vehicle due to floods, earthquakes and other natural calamities.

Personal Accident

Personal Accident

Covers for any personal injuries or death of the owner-driver of the vehicle.

Third Party Losses

Third Party Losses

Covers for losses and damages caused to a third-party vehicle, property or person due to the insured heavy-duty vehicle, in the case of an accident or collision.

Towing Disabled Vehicles

Towing Disabled Vehicles

Covers for any damages caused to your vehicle in cases where it's being towed.

What’s Not Covered?

It is equally important to know what’s not covered in your commercial vehicle insurance policy so that there are no surprises when you make a claim. Here are some such situations:

Own Damages for Third-Party Policy holder

In the case of a Third-Party Liability Only Policy, damage to your own vehicle won’t be covered.

Drunk Riding or without a Licence

If the owner-driver of the claimed vehicle is drunk or driving without a valid licence.

Contributory Negligences

Any damage caused due to contributory negligence of the driver (such as driving when there’s an existing flood).

Consequential Damages

Any damage that is not a direct result of the accident/natural calamity i.e., consequential losses like loss of earnings, loss of market, etc.

Add-ons Available with Ashok Leyland Dost Insurance

Here are the add-ons available with Digit for commercial insurance policy that offer enhanced protection for Ashok Leyland Dost:

Zero Depreciation Cover icon

Zero Depreciation Cover

With time vehicles age and their parts naturally undergo wear and tear, called depreciation, which leads to a decrease in their value over time. This depreciation amount is generally deducted from the claim amount during settlement. However, with this add-on, the depreciation amount is not deducted from your claim, resulting in a higher payout.

Engine and Gear Box Protect icon

Engine and Gear Box Protect

While most commercial vehicles like Ashok Leyland Dost are equipped with powerful engines, they can still suffer damage from accidents, water ingress, or oil leakage. So, to protect your engine and gearbox from such issues, consider opting for this add-on to your insurance policy!

Consumable Cover icon

Consumable Cover

A consumable cover offers benefits beyond standard insurance plans, as it covers any repair or replacement costs for the vehicle’s bits and pieces, like the nuts and bolts, screws, engine oil, and grease, in case they are damaged or lost in an accident.

Breakdown Assistance icon

Breakdown Assistance or Roadside Assistance

The Ashok Leyland Dost is a popular commercial vehicle frequently used for long-distance hauls, putting it at a higher risk of breakdowns, whether due to accidents, flat tires, or battery issues. In such cases, the Breakdown Assistance add-on provides 24/7 support, ensuring help is always available when you need it most!

Additional Towing Expenses

Additional Towing Expenses

If your Ashok Leyland Dost is involved in an accident, it will need to be towed to a garage for repairs, which can incur additional costs. To cover these expenses, consider adding this coverage, as it compensates for the cost of transporting your vehicle from the accident site to the nearest garage or a safe location.

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Loss of Revenue

If your commercial vehicle is undergoing repairs due to damage, leading to a loss of income to your business then get this add-on, as it compensates you financially for any such loss.

EMI Protection Cover

EMI Protection Cover

The EMI Protection add-on cover, as the name suggests, helps cover the regular EMIs to the financier, if your vehicle, which is taken on a loan is damaged in an accident, resulting in a business loss.

Debris Removal Expenses

This add-on cover compensates you for the costs associated with cleaning up, removing debris, wreckage, or transshipping goods from your insured Ashok Leyland Dost if it suffers accidental damage or loss. The compensation is provided up to the Sum Insured you have chosen.

Additional Coverages or Endorsements Available

You also get optional covers for Ashok Leyland Dost insurance online for enhanced coverage to protect in all circumstances. These include:

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Personal Accident Cover

Your Ashok Leyland Dost insurance online policy should have a PA cover to protect you for bodily injury or death of the owner-driver in case of an accident. Also, having personal accident cover is compulsory by law in India. 

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Unnamed PA Cover

People in the insured vehicle at the time of any accident are safeguarded against any injuries with the help of this add-on cover.

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Legal Liability

Protect your Ashok Leyland Dost and the business for which the insured vehicle is used, against any legal liability that may arise due to an injury caused to your employees or someone who works for you, by getting this cover.

IMT 23

IMT 23

This add-on cover protects your Ashok Leyland Dost against any loss or damage to insured vehicle’s lamps, tyres, tubes, mudguards, bonnet, side part bumpers, headlights and paintwork in all cases, even in case of partial damage.

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Electrical Accessories

All electrical accessories fitted in your insured commercial vehicle, which is not a part of the manufacturer’s model, are covered under this add-on.

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Non-Electrical Accessories

All non-electrical accessories fitted in your insured Ashok Leyland Dost, which is not a part of the manufacturer’s model, are covered under this add-on.

Special Exclusions & Compulsory Deductibles icon

Special Exclusions & Compulsory Deductibles

This add-on helps reduce your premium as you only have to pay a certain amount as your share of the loss, called the compulsory deductible. Additionally, it also covers the loss or damage to the vehicle’s lamps, tyres, tubes, mudguards, bonnet, side part bumpers, headlights and paintwork if your vehicle is completely damaged.

Types of Ashok Leyland Dost Insurance Plans

Primarily two insurance policies are available for this light commercial vehicle, which are:

Comprehensive or Standard Package Plan

Comprehensive commercial vehicle insurance offers overall protection to your Ashok Leyland Dost, including its own damage as well as damage or loss to the third-party. With this Ashok Leyland Dost insurance online policy, you get enhanced protection against injuries, damage, natural disasters, and theft and the option to choose add-ons as well.

Third-party or Liability Only Plan

A third-party insurance plan covers only third-party liabilities, which include damage or loss to third-party vehicle, property or person caused due to your vehicle. Also, it is mandatory in India to have at least third-party insurance for commercial vehicles.

You cannot opt for any add-ons with this policy, and the premium price for a third-party liability policy is fixed by IRDAI.

Types of Ashok Leyland Dost Insurance Plans

Primarily two insurance policies are available for this light commercial vehicle, which are:

Comprehensive or Standard Package Plan

Comprehensive commercial vehicle insurance offers overall protection to your Ashok Leyland Dost, including its own damage as well as damage or loss to the third-party. With this Ashok Leyland Dost insurance online policy, you get enhanced protection against injuries, damage, natural disasters, and theft and the option to choose add-ons as well.

Third-party or Liability Only Plan

A third-party insurance plan covers only third-party liabilities, which include damage or loss to third-party vehicle, property or person caused due to your vehicle. Also, it is mandatory in India to have at least third-party insurance for commercial vehicles.

You cannot opt for any add-ons with this policy, and the premium price for a third-party liability policy is fixed by IRDAI.

Third Party vs Comprehensive Ashok Leyland Dost Insurance

Liability Only

Standard Package

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How to Buy Ashok Leyland Dost Insurance Online with Digit?

Step 1

On the Digit app or website, enter the commercial vehicle’s registration number, mobile number, and click on ‘View Prices.’

Step 2

Select the plan, add-ons and IDV, and click on ‘Continue.’

Step 3

Enter your personal, nominee and vehicle details and click on ‘Pay Now.’

Step 4

Complete the payment and mandatory KYC verification process.

Step 5

You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.

Documents Required to Buy Ashok Leyland Dost Online

If you are buying insurance for Ashok Leyland Dost from Digit, you'll need the following documents:

Vehicle Registration Certificate (RC)

Previous Year Commercial Insurance Policy

Aadhar or PAN Card

How to Download Ashok Leyland Dost Insurance Policy on Digit App?

Step 1 - Login to the Digit app and go to the ‘My Policies’ tab at the bottom of the screen. All your policy documents will be available there.

Step 2 – Now select the Ashok Leyland Dost insurance policy that you want to download and click on the ‘Download Policy’ button. Your policy will be downloaded.

Rate of Depreciation in Ashok Leyland Dost Insurance

The Insured's Declared Value (IDV) of the vehicle is its market value, which is adjusted for depreciation value of your vehicle as per the below table.

Note that this age-wise depreciation is applicable for only Total Loss/Constructive Total Loss (TL/CTL) claims.

Vehicle Age Depreciation Rate
Not Exceeding 6 months   5% 
Exceeding 6 months but not exceeding 1 year   15% 
Exceeding 1 year but not exceeding 2 years  20% 
Exceeding 2 years but not exceeding 3 years  30% 
Exceeding 3 years but not exceeding 4 years  40% 
Exceeding 4 years but not exceeding 5 years  50% 

Factors Affecting Ashok Leyland Dost Insurance Price

Here are some important factors that affect Ashok Leyland Dost Insurance price:

Vehicle Age and Variant

Newer and expensive variants typically fetch a higher insurance premium due to their higher market value and repair costs. Similarly, the age of the vehicle also affects the Ashok Leyland Dost insurance price.

No Claim Bonus (NCB)

Not making any claims in the previous policy years benefits you in the form of a reward as NCB in motor insurance. So, if you have accumulated NCB, you can get up to 50% maximum discount on your Ashok Leyland Dost insurance amount for upon renewal.

Insured Declared Value (IDV)

IDV is the current market price of Ashok Leyland Dost and the maximum amount that you receive in case your vehicle faces total loss or is stolen. So, the higher you set the IDV, the higher the premium price. 

Coverage Type

The commercial vehicle insurance price also depends on the type of insurance plan chosen. So, a comprehensive policy which covers both own-damage and third-party liabilities, comes at a higher premium than third-party insurance.

Add-On Covers

If you plan to opt for add-ons Zero Depreciation, Engine Protection, etc., then your overall premium will increase, as add-ons are available at a minimal additional price.

Deductibles

Opting for higher voluntary deductibles helps reduce your premium, but it will increase your out-of-pocket expenses at the time of claim.

Location

If you drive your Ashok Leyland Dost in areas with higher traffic density or vehicle theft rates, then it can lead to higher insurance costs as the risk of insuring it is higher.

Why Should You Buy Ashok Leyland Dost?

Here’s why buying insurance for Ashok Leyland Dost to use it for commercial purposes is a good idea: 

  • Ashok Leyland Dost has a high payload capacity of up to 1500 kg, making it ideal for heavy-duty tasks.

  • It offers an impressive mileage of around 19.6 km/l, which is economical for long-distance transportation.

  • The commercial vehicle also features a robust chassis and reliable engine and is designed to withstand tough conditions. 

  • Equipped with features like power steering and adjustable driver seat make Ashok Leyland Dost the best LCV for a comfortable driving experience.

  • It is also known for its low maintenance costs to ensure better savings over time. 

  • Ashok Leyland’s extensive service network across India further makes the vehicle best choice for easy maintenance and support.

Why Should You Buy Ashok Leyland Dost?

Here’s why buying insurance for Ashok Leyland Dost to use it for commercial purposes is a good idea: 

  • Ashok Leyland Dost has a high payload capacity of up to 1500 kg, making it ideal for heavy-duty tasks.

  • It offers an impressive mileage of around 19.6 km/l, which is economical for long-distance transportation.

  • The commercial vehicle also features a robust chassis and reliable engine and is designed to withstand tough conditions. 

  • Equipped with features like power steering and adjustable driver seat make Ashok Leyland Dost the best LCV for a comfortable driving experience.

  • It is also known for its low maintenance costs to ensure better savings over time. 

  • Ashok Leyland’s extensive service network across India further makes the vehicle best choice for easy maintenance and support.

Ashok Leyland Dost Specifications:

Specification Details
Engine 1.5 L, 3-cylinder diesel, 70 hp @ 3300 rpm, 190 Nm @ 1600-2400 rpm 
Transmission Manual, 5-speed 
Dimensions Length: 4630 mm, Width: 1620 mm, Height: 1930 mm, Wheelbase: 2510 mm 
Ground Clearance 190 mm 
Payload Capacity 1500 kg 
Fuel Efficiency Approximately 19.6 km/l 
Comfort Features Power steering, adjustable driver seat 
Safety Features Rigid suspension with parabolic leaf springs, double-acting shock absorbers 

Ashok Leyland Dost Prices and Variants

Here is a list of all the variants and Ashok Leyland Dost insurance amount (approximate) for each of them:

Ashok Leyland Dost Variants Delhi Ex-showroom Prices (as of January 2025)
BADA DOST i3+ with LNT  ₹10 lakh 
BADA DOST i4 with LNT  ₹10 lakh 
DOST XL  ₹10 lakh 
BADA DOST i3+  ₹10 lakh 
DOST+ CNG  ₹9 lakh 
DOST LiTE  ₹8 lakh 
DOST+ XL  ₹10.98 lakh 
BADA DOST i5  ₹10.738akh 
BADA DOST i4  ₹10 lakh 
DOST CNG  ₹8 lakh 
BADA DOST CNG  ₹9 lakh 
DOST STRONG  ₹8 lakh 
DOST+  ₹8 lakh 
BADA DOST i2  ₹9 lakh 

FAQs about Ashok Leyland Dost Insurance