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Since Piaggio Ape is a widely used light commercial vehicle, ensuring that it is financially and legally protected in unfortunate situations is very crucial, since your business might depend on Piaggio Ape.
In 2025, getting a Piaggio Ape insurance online policy has become more convenient than ever, thanks to online platforms, which also allow you to do Piaggio Ape insurance renewal online with just a few clicks.
Additionally, you can further enhance your Piaggio Ape insurance coverage with add-ons and know everything here to stay protected and drive with peace of mind!
Piaggio Ape insurance is a specialized commercial insurance policy designed to protect light commercial vehicles, which are commonly used for commercial purposes such as transporting goods or carrying passengers.
Piaggio Ape insurance online policy provides coverage against various risks, including accidents, theft, fire, and natural disasters. It also includes third-party liability coverage, which compensates for damages or injuries caused to third parties by the insured vehicle.
Additionally, Piaggio Ape insurance often comes with personal accident cover for the owner/driver and can be enhanced with add-ons like zero depreciation, engine protection, roadside assistance, and more.
Yes, to legally drive your Piaggio Ape on the Indian roads, having a commercial insurance policy is mandatory as per the Motor Vehicles Act, 1988. You must have at least third-party liability insurance, as it ensures financial protection against damage or injuries caused to third parties in the event of an accident.
Here’s why having a Piaggio Ape insurance online policy is important:
Financial Protection: Piaggio Ape insurance has your back as it helps pay for repairs or replacement if your vehicle is damaged in an accident, stolen, or affected by natural disasters. So, you don't have to spend a lot of money out of pocket.
Legal Requirement: In India, it is mandated by law to have at least a third-party liability insurance plan. This covers any damage or injuries caused by your vehicle to other vehicles, people, or property.
Additional Protection: You can opt for add-ons like zero depreciation, engine protection, and roadside assistance to your policy for enhanced protection of your vehicle in any situation.
Peace of Mind: Knowing your Piaggio Ape is insured in unexpected events lets you focus on your work and driving without worrying.
Wide Coverage: Insurance policies usually cover damage from fire, theft, and natural disasters, and they also include personal accident coverage for the owner or driver.
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Key Features |
Digit Benefit |
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Claim Process |
Paperless Claims |
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Customer Support |
24x7 Support |
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Premium |
Customized as per type of commercial vehicle & number of vehicles to be insured |
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Additional Coverage |
PA Covers, legal liability cover, special exclusions and compulsory deductibles, etc. |
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Damages to Third-Party |
Unlimited liability for personal damages, up to 7.5 lakhs for property/vehicle damages |
Damages and losses caused to the heavy-duty vehicle due to an accident.
Any damages and losses caused to the heavy-duty vehicle in the case of a theft.
Any damages or losses caused to the heavy-duty vehicle in an unfortunate case of fire.
Any damages and losses caused to your vehicle due to floods, earthquakes and other natural calamities.
Covers for any personal injuries or death of the owner-driver of the vehicle.
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.
Covers for any damages caused to your vehicle in cases where it's being towed.
Here are the add-ons available with Digit for commercial insurance policy that offer enhanced protection for Piaggio Ape:
As vehicles age their parts naturally wear out, leading to a decrease in value over time, known as depreciation. Typically, this depreciation amount is deducted during settlement, reducing your payout at the time of claim. However, with the Zero Depreciation add-on, the depreciation amount is not deducted, ensuring you receive a higher claim amount. This add-on is particularly beneficial for new or relatively new vehicles, as it covers the full cost of parts without considering depreciation.
The Piaggio Ape is frequently used for long-distance transportation, making it more susceptible to breakdowns from accidents, flat tires, or battery issues. So, in situations Breakdown Assistance add-on helps by offering 24/7 support, ensuring that help is always available when you need it most. Whether you're stranded on a remote road or in the middle of a busy city, this add-on offers peace of mind by providing immediate assistance, including towing, minor repairs, and emergency fuel delivery.
Even though commercial vehicles like the Piaggio Ape are built with robust engines, they can still suffer damage from accidents, water ingress, or oil leakage. The Engine and Gear Box Protect add-on covers the cost of repairs or replacement of these critical components, safeguarding you from significant expenses.
A Consumable Cover goes beyond standard insurance by covering the cost of consumable items such as nuts, bolts, screws, engine oil, and grease that may need repair or replacement due to an accident. These small but essential parts are often not covered in regular Piaggio Ape insurance policy, but with this add-on, you can ensure that all aspects of your vehicle are covered, minimizing out-of-pocket expenses for such repairs.
In the event of an accident, your Piaggio Ape may need to be towed to a garage for repairs, which can incur additional costs. In such a situation, this add-on covers these costs, ensuring that your vehicle is safely transported from the accident site to the nearest garage or a safe location without any financial burden on you. This add-on is particularly useful for commercial vehicles driven frequently in remote or less accessible areas.
Loss of Revenue add-on is crucial for businesses that rely heavily on their vehicles for daily operations, ensuring that your business remains financially stable even when your vehicle is out of commission. So, if your Piaggio Ape is undergoing repairs due to damage, this add-on compensates you financially for any income lost during the repair period.
The EMI Protection add-on 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. This add-on ensures that you are financially protected even when your vehicle is not generating income. It's an essential cover for businesses that have financed their vehicles and want to avoid defaulting on their loan payments.
The return to invoice cover compensates you in case the insured passenger carrying Piaggio Ape suffers a total loss or constructive loss or is stolen, in the form of payment for a new vehicle at the prevailing ex-showroom price. However, exactly same make, model, variant is discontinued Company’s Liability will be limited to the difference between the last available ex-showroom price and claim payable under OD section of the Base Policy.
Available only for passenger-carrying Piaggio Ape variants, the key and lock replacement cover compensates you for the cost incurred to get the vehicle’s locks and keys replaced, installing a new lockset etc., if the insured vehicle’s lockset needs to be replaced or the keys are misplaced and lost.
Here are the add-ons available with Digit for commercial insurance policy that offer enhanced protection for Piaggio Ape:
As vehicles age their parts naturally wear out, leading to a decrease in value over time, known as depreciation. Typically, this depreciation amount is deducted during settlement, reducing your payout at the time of claim. However, with the Zero Depreciation add-on, the depreciation amount is not deducted, ensuring you receive a higher claim amount. This add-on is particularly beneficial for new or relatively new vehicles, as it covers the full cost of parts without considering depreciation.
The Piaggio Ape is frequently used for long-distance transportation, making it more susceptible to breakdowns from accidents, flat tires, or battery issues. So, in situations Breakdown Assistance add-on helps by offering 24/7 support, ensuring that help is always available when you need it most. Whether you're stranded on a remote road or in the middle of a busy city, this add-on offers peace of mind by providing immediate assistance, including towing, minor repairs, and emergency fuel delivery.
Even though commercial vehicles like the Piaggio Ape are built with robust engines, they can still suffer damage from accidents, water ingress, or oil leakage. The Engine and Gear Box Protect add-on covers the cost of repairs or replacement of these critical components, safeguarding you from significant expenses.
A Consumable Cover goes beyond standard insurance by covering the cost of consumable items such as nuts, bolts, screws, engine oil, and grease that may need repair or replacement due to an accident. These small but essential parts are often not covered in regular Piaggio Ape insurance policy, but with this add-on, you can ensure that all aspects of your vehicle are covered, minimizing out-of-pocket expenses for such repairs.
In the event of an accident, your Piaggio Ape may need to be towed to a garage for repairs, which can incur additional costs. In such a situation, this add-on covers these costs, ensuring that your vehicle is safely transported from the accident site to the nearest garage or a safe location without any financial burden on you. This add-on is particularly useful for commercial vehicles driven frequently in remote or less accessible areas.
Loss of Revenue add-on is crucial for businesses that rely heavily on their vehicles for daily operations, ensuring that your business remains financially stable even when your vehicle is out of commission. So, if your Piaggio Ape is undergoing repairs due to damage, this add-on compensates you financially for any income lost during the repair period.
The EMI Protection add-on 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. This add-on ensures that you are financially protected even when your vehicle is not generating income. It's an essential cover for businesses that have financed their vehicles and want to avoid defaulting on their loan payments.
The return to invoice cover compensates you in case the insured passenger carrying Piaggio Ape suffers a total loss or constructive loss or is stolen, in the form of payment for a new vehicle at the prevailing ex-showroom price. However, exactly same make, model, variant is discontinued Company’s Liability will be limited to the difference between the last available ex-showroom price and claim payable under OD section of the Base Policy.
Available only for passenger-carrying Piaggio Ape variants, the key and lock replacement cover compensates you for the cost incurred to get the vehicle’s locks and keys replaced, installing a new lockset etc., if the insured vehicle’s lockset needs to be replaced or the keys are misplaced and lost.
You also get optional covers for Piaggio Ape insurance online for enhanced coverage to protect in all circumstances. These include:
Your Piaggio Ape 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.
This add-on cover protects the people against any injuries in the insured Piaggio Ape at the time of any accident.
Protect your Piaggio Ape and the business for which the insured Piaggio Ape 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.
This add-on cover protects your Piaggio Ape 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.
All electrical accessories fitted in your insured Piaggio Ape, which is not a part of the manufacturer’s model, are covered under this add-on.
All non-electrical accessories fitted in your insured Piaggio Ape, which is not a part of the manufacturer’s model, are covered under this add-on.
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 Piaggio Ape’s lamps, tyres, tubes, mudguards, bonnet, side part bumpers, headlights and paintwork if your vehicle is completely damaged.
Primarily two insurance policies are available for this light commercial vehicle, which are:
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.
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.
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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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On the Digit app or website, enter the commercial vehicle’s registration number, mobile number, and click on ‘View Prices.’
Select the plan, add-ons and IDV, and click on ‘Continue.’
Enter your personal, nominee and vehicle details and click on ‘Pay Now.’
Complete the payment and mandatory KYC verification process.
You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
For buying Piaggio Ape insurance online from Digit, you'll need the following documents:
Vehicle Registration Certificate (RC)
Previous Year Commercial Insurance Policy
Aadhar or PAN Card
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.
The Insured's Declared Value (IDV) of Piaggio Ape 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% |
Here are some important factors that affect the Piaggio Ape insurance price:
Buying a Piaggio Ape can be a great decision for your commercial needs for several reasons such as:
The Piaggio Ape is highly versatile, making it suitable for a wide range of commercial uses.
It is built with solid materials and engineering, making it durable and allowing it to withstand heavy usage.
Piaggio Ape vehicles are designed to be fuel-efficient, helping you save on fuel costs over time, which is best for small businesses with tight budgets.
Its compact size allows for easy movement in crowded areas and narrow streets, making it ideal for city deliveries and operations.
The initial purchase cost and maintenance expenses of a Piaggio Ape are relatively low compared to other commercial vehicles, while it maintains a strong resale value. Thus, it provides excellent value for money.
Piaggio Ape also allows you to customise it as per your needs - whether you need a refrigerated unit, a flatbed, or a covered cargo area, it can do it all!
Buying a Piaggio Ape can be a great decision for your commercial needs for several reasons such as:
The Piaggio Ape is highly versatile, making it suitable for a wide range of commercial uses.
It is built with solid materials and engineering, making it durable and allowing it to withstand heavy usage.
Piaggio Ape vehicles are designed to be fuel-efficient, helping you save on fuel costs over time, which is best for small businesses with tight budgets.
Its compact size allows for easy movement in crowded areas and narrow streets, making it ideal for city deliveries and operations.
The initial purchase cost and maintenance expenses of a Piaggio Ape are relatively low compared to other commercial vehicles, while it maintains a strong resale value. Thus, it provides excellent value for money.
Piaggio Ape also allows you to customise it as per your needs - whether you need a refrigerated unit, a flatbed, or a covered cargo area, it can do it all!
Here is a list of all the Piaggio Ape variants and price list (approximate):
| Category | Piaggio Ape Variant | Ex-Showroom Price (as of January 2025) |
| Cargo | Ape Xtra LDX | ₹2,50,000 |
| Ape Xtra HT | ₹2,60,000 | |
| Ape Xtra DXL | ₹2,70,000 | |
| Ape Xtra CNG | ₹2,80,000 | |
| Ape Xtra LPG | ₹2,90,000 | |
| Passenger | Ape Auto DXL | ₹2,40,000 |
| Ape Auto+ | ₹2,50,000 | |
| Ape City | ₹2,60,000 | |
| Ape City+ | ₹2,70,000 | |
| Electric | Ape E-City FX | ₹3,00,000 |
| Ape E-Xtra FX | ₹3,20,000 |
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Have queries related to Digit motor insurance policy? You can refer to our Policy Wordings for detailed information or reach out to our support team via WhatsApp self-support, email or phone using the information below:
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