Ashok Leyland Dost Insurance
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60 Lakh+
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2000+
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96% Claim
Settlement Ratio
60 Lakh+
Policies Sold
Ashok Leyland Dost Insurance Price Check & Policy Renewal Online
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.
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 vehicle 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 Ashok Leyland Dost Insurance by Digit?
We treat our customers like VIPs, know how…
Customize your Vehicle IDV
With us, you can customize your vehicle IDV as per your choice!
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
What's Covered in Ashok Leyland Dost Insurance by Digit?
Accidents
Damages and losses caused to the heavy-duty vehicle due to an accident.
Theft
Any damages and losses caused to the heavy-duty vehicle in the case of a theft.
Fire
Any damages or losses caused to the heavy-duty vehicle in an unfortunate case of fire.
Natural Disasters
Any damages and losses caused to your vehicle due to floods, earthquakes and other natural calamities.
Personal Accident
Covers for any personal injuries or death of the owner-driver of the vehicle.
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
Covers for any damages caused to your vehicle in cases where it's being towed.
What’s Not Covered in Ashok Leyland Dost Insurance by Digit?
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.
Types of Ashok Leyland Dost Insurance Plans
Comprehensive or Standard Package Plan
Third-party or Liability Only Plan
Third Party vs Comprehensive Ashok Leyland Dost Insurance
Liability Only
Standard Package
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Damages caused by your Ashok Leyland Dost to any third-party person or property |
✔
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✔
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Damages caused to any third-party person or property by the vehicle being towed by your insured vehicle |
✔
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✔
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Loss or damages to own Ashok Leyland Dost due to natural calamities, fire, theft or accidents |
×
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✔
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Injury/death of owner-driver If owner-driver doesn’t already have a Personal Accident Cover from before |
✔
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✔
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How to Buy/Renew Ashok Leyland Dost Insurance Policy with Digit?
Enter Vehicle Details
On the Digit App or website, enter the vehicle registration number and select the policy status.
Choose a Plan
Select the type of vehicle insurance plan and choose desired add-ons.
Enter Personal Details
Enter your personal, nominee and vehicle details, and move to the next step.
Make Payment
Complete the payment and mandatory KYC verification process.
That's It!
You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
Rate of Depreciation Applicable for 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.
What are the Factors Affecting Ashok Leyland Dost Insurance Premium?
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 Vehicle for your Business?
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 Vehicle Specifications you should Know
Ashok Leyland Dost Prices and Variants Available in the Market
Here is a list of all the variants and Ashok Leyland Dost insurance amount (approximate) for each of them: