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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?
Key Features of Ashok Leyland Dost Insurance by Digit
What's Covered in Ashok Leyland Dost Insurance by Digit?
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:
In the case of a Third-Party Liability Only Policy, damage to your own vehicle won’t be covered.
If the owner-driver of the claimed vehicle is drunk or driving without a valid licence.
Any damage caused due to contributory negligence of the driver (such as driving when there’s an existing flood).
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
Third Party vs Comprehensive Ashok Leyland Dost Insurance11
| Liability Only | Standard Package |
Damages caused by your Ashok Leyland Dost to any third-party person or property |
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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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Loss or damages to own Ashok Leyland Dost due to natural calamities, fire, theft or accidents |
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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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| Get Quote | Get Quote |
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:
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.
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.
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.
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.
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.
Opting for higher voluntary deductibles helps reduce your premium, but it will increase your out-of-pocket expenses at the time of claim.
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:
FAQs about Ashok Leyland Dost Insurance
What is the Ashok Leyland Dost insurance price?
The Ashok Leyland insurance price varies based on the type of policy and several other factors, such as the vehicle's age, make and model, the Insured Declared Value (IDV), and the number of add-ons selected.
How to do Ashok Leyland Dost Insurance online renewal?
You can easily do Ashok Leyland Dost Insurance online renewal by visiting Digit’s website or app. Provide the required details, previous policy details, select the plan you want, and make the payment. Your policy will be renewed.
Is buying Ashok Leyland Dost insurance online better than buying it offline?
It depends on individual needs, however, buying Ashok Leyland Dost insurance online is more convenient, allows you to compare quotes from insurance companies, you don’t have to pay any agent commissions involved, and you can buy the policy within minutes from the comfort of your home.
What documents are required to purchase Ashok Leyland Dost insurance?
To buy Ashok Leyland Dost insurance, you'll need to provide vehicle registration certificate (RC), proof of identity and address, previous insurance policy details (if applicable), and any other documents as requested by the insurer.
What types of insurance are available for Ashok Leyland Dost?
There are two main types of commercial insurance plans available: Third-Party Insurance and Comprehensive Insurance. Third-Party policy covers liabilities to third-party property, vehicles, and people. While a comprehensive plan covers both third-party liabilities and damage to your own vehicle.
Is driver or passenger covered under Ashok Leyland Dost insurance?
Yes, you can get coverage for the driver, owner, or passengers in case of injuries or death due to an accident by opting for the Personal Accident Cover.
Is theft of my Ashok Leyland Dost covered under insurance?
Yes, if you have a Ashok Leyland Dost comprehensive insurance policy, theft of your vehicle is covered. You’ll need to file a police report and submit the necessary documents to your insurer to process the claim.
What category does the Ashok Leyland Dost insurance fall under?
A commercial vehicle insurance policy is designed by Digit specifically for light goods-carrying commercial vehicles like Ashok Leyland Dost.
How can I lower the Ashok Leyland Dost insurance price?
To reduce your insurance premium, you can:
- Retain your No Claim Bonus (NCB)
- Lower your IDV
- Get only the necessary add-ons
- Compare insurance quotes online
- Opt for voluntary deductibles
Which add-ons are available with insurance for Ashok Leyland Dost?
All add-ons are available with Ashok Leyland Dost comprehensive insurance; however, popularly opted insurance add-ons are the roadside assistance cover, zero depreciation cover, and engine cover, among others.
Can I transfer my Ashok Leyland Dost Insurance to a new owner?
Yes, you can easily transfer the insurance policy to the new owner of the vehicle by informing the insurer and providing necessary documents for the transfer.
What are the exclusions of my Ashok Leyland Dost insurance policy?
The common exclusions may include damage caused by driving under the influence, using the vehicle for illegal activities, wear and tear, and damage due to mechanical failure. However, always check with your insurer for the complete list of what’s not covered.