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.

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.

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!

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.

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!

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.

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.

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.

This add-on cover compensates you for the costs associated with cleaning up, removing debris, wreckage, or transshipping goods from your insured Ashok Leyland Dost if it suffers accidental damage or loss. The compensation is provided up to the Sum Insured you have chosen.

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. 

People in the insured vehicle at the time of any accident are safeguarded against any injuries with the help of this add-on cover.

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.

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.

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.

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.

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.

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.