Ashok Leyland Dost Insurance
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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.
Table of Contents
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
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
|
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
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?
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:
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
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
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
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 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
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.
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
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.
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:
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.
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.
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
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.
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.
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
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:
Third Party vs Comprehensive Ashok Leyland Dost Insurance
Liability Only
Standard Package
|
Damages caused by your Ashok Leyland Dost to any third-party person or property |
✔
|
✔
|
|
Damages caused to any third-party person or property by the vehicle being towed by your insured vehicle |
✔
|
✔
|
|
Loss or damages to own Ashok Leyland Dost due to natural calamities, fire, theft or accidents |
×
|
✔
|
|
Injury/death of owner-driver If owner-driver doesn’t already have a Personal Accident Cover from before |
✔
|
✔
|
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.
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.
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:
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 |