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Piaggio Ape Insurance Price Check & Policy Renewal Online
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!
What is Piaggio Ape Insurance?
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.
Is Piaggio Ape Insurance Mandatory?
Why Should You Buy Piaggio Ape Insurance?
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.
Why choose a Piaggio Ape Insurance by Digit?
Key Features of Piaggio Ape Insurance by Digit
What's Covered in Piaggio Ape Insurance by Digit?
What’s Not Covered in Piaggio Ape Insurance by Digit?
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.
Piaggio Ape Insurance Plans by Digit that Fit Your Needs
Difference between Third Party vs Comprehensive Piaggio Ape 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 in Piaggio Ape Insurance
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.
What are the Factors Affecting Piaggio Ape Insurance Premium?
Here are some important factors that affect the Piaggio Ape insurance price:
The model of Piaggio Ape and its age can impact the premium. Older vehicles may have lower premiums due to their decreased value, but they might also attract higher premiums if they are more prone to breakdowns. Similarly, expensive models attract higher premiums.
The type of insurance coverage you choose (comprehensive, third-party) also influences the premium, as comprehensive coverage usually costs more than third-party coverage because it offers broader protection.
Additional add-on covers like zero depreciation, engine protection, and roadside assistance also increase the premium as they are available at some additional minimal price.
If you haven't made any claims in the previous policy period, you may be eligible for a discount of up to 50% on your premium, in the form of NCB in motor insurance.
IDV is the current market price of your commercial vehicle. So, the higher you set the IDV, the higher the premium price.
The area where you mostly drive your Piaggio Ape significantly impacts the premium as well. High-risk areas with higher theft rates or accident frequencies can lead to higher premiums.
Piaggio Ape Variants Available in the Market and their Price
Here is a list of all the Piaggio Ape variants and price list (approximate):
FAQs about Piaggio Ape Insurance
How to calculate the premium for insurance for Piaggio Ape?
The Piaggio Ape insurance premium depends on various factors including the type of insurance policy, vehicle’s age, IDV of the vehicle, make and model of the vehicle, vehicle’s location, its uses, add-ons, claim history, etc.
Why do I need to buy Piaggio Ape commercial vehicle insurance?
Having insurance for Piaggio Ape is important as it financially covers the vehicle in various situations like damage to insured vehicle or third-party, etc. Also, it is mandatory by law to have at least a third-party liability policy to drive on Indian roads.
What is the difference between passenger-carrying and goods-carrying Piaggio Ape?
Both are types of commercial vehicles; however, a passenger carrying vehicle helps people transport from one place to another like auto, while a goods carrying vehicle is primarily used to transport goods from one place to another, such as Piaggio Ape cargo.
For how long is a Piaggio Ape insurance policy valid?
Generally, a commercial vehicle insurance policy is valid for 1 year; however, some insurance companies also offer coverage for up to 2 or 3 years. So, it is important that you check the same with your insurance provider.
Are passengers covered under Piaggio Ape insurance policy?
No, passengers are not covered under commercial vehicle insurance coverage. However, you need to buy a Personal Accident cover along with the policy as it is mandatory by law. This cover when extended to passengers will cover them in any situation.
Where can I repair my Piaggio Ape in case of damage?
You can repair your vehicle at Digit’s one of the partner garages across India or you can get it repaired at another garage of your choice and get the repair expenses reimbursed through a claim.
How can I lower the Piaggio Ape 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
How to do Piaggio Ape Insurance renewal online?
You can easily do Piaggio Ape Insurance renewal online 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.