Save Up To 85%* on
Ashok Leyland Dost Insurance
Renew policy in 2 minutes
20+ Insurers to chose
10k+ Vehicles Insured
Sirf Insurance nahi, Saath bhi
Ashok Leyland Dost Insurance
Dost is a commercial vehicle from Ashok Leyland which means ‘friend’ in English. It is powered by a 3-cylinder, turbo-charged common rail diesel engine and is very practical and efficient. You can buy Ashok Leyland Dost insurance online at Policy Legit. Just share your copy of RC, previous insurance copy if not expired, and we will let you know the best price. You will get the lowest quote for your vehicle without any hidden fee.
Ashok Leyland Dost Insurance Plans#1
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Claim Benefits
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
#1 Rs 5773/- per annum is the price for third-party commercial vehicle insurance for Mahindara Alfa PAX DX registration year 2020. The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively. The comprehensive commercial vehicle insurance prices mentioned above are for a 5 year Mahindara Alfa PAX DX registration year 2020. These quotes are from mentioned from lowest to highest price. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
#1 Rs 5773/- per annum is the price for third-party commercial vehicle insurance for Mahindara Alfa PAX DX registration year 2020. The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively. The comprehensive commercial vehicle insurance prices mentioned above are for a 5 year Mahindara Alfa PAX DX registration year 2020. These quotes are from mentioned from lowest to highest price. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
What is Commercial Vehicle Insurance?
A Commercial Vehicle Insurance is a motor insurance policy to cover for damage and loss caused to and by a commercial vehicle. Owner of the vehicle and driver who drives the vehicle. This could include damage and losses in situations as accident, collisions, fires, theft, natural calamities, etc. it is mainly for all type of business to buy a commercial vehicle insurance for their vehicles, such as for auto rickshaws, cabs, pickups, trucks, tractors, school buses, commercial vans, jcb, harvester and amongst other.
Benefits of Buying Ashok Leyland Dost Insurance Online
Compare Plans - The Indian constitution states that a vehicle cannot be driven on the road without an insurance policy. In such a case, the owner can be heavily fined for going against the law. By visiting Policy Legit, you can compare Ashok Leyland Dost insurance offered by various insurance companies.
Instant Policy - Due to the heavy business schedule, a commercial vehicle is always on the road. As a result, it becomes the susceptible threat of accidents or theft. It may be financially heavy if you are not insured. You will get instant Ashok Leyland Dost insurance from your insurers.
Ashok Leyland Dost Insurance Plans
Third-party Ashok Leyland Dost Insurance - According to law, a vehicle running on the roads of India should be insured. When it comes to commercial vehicles, it is mandatory to insure it. This policy covers the policyholder against third-party damages.
Comprehensive Ashok Leyland Dost Vehicle Insurance - Dost has a 58BHP of maximum power and a constructive payload of 1.25 tonnes. In the event a person purchases an Ashok Leyland vehicle, the person should consider comprehensive car insurance. There are several options available, so an individual can choose insurance considering the vehicle type.
It is not mandatory for Ashok Leyland insurance policy to be comprehensive; however, it is far more expensive than Third-party Ashok Leyland Dost insurance. While the TP coverage only provides financial compensation in case of TP damages, a full policy covers the insurance of the vehicle’s financial losses. In addition to this, you can also get other additional add-ons as required to enhance the policy coverage.
What is Covered Under Comprehensive Ashok Leyland Dost Insurance?
The insurance provides coverage for your Ashok Leyland vehicle against various types of damage, including those caused by self-ignition, fire, explosion, riots, theft, burglary, cyclones, and other natural disasters.
However, the Ashok Leyland dost insurance does not cover:
- Normal wear and tear: Damage resulting from regular use of the vehicle.
- Mechanical and electrical breakdown: It covers failures of the vehicle's internal components.
- Misuse of the vehicle: For instance, using a private car for commercial purposes.
- Driving without a valid license: Damage occurring when the driver does not possess a legal driving license.
- Consequential loss: Indirect losses that arise as a result of an insured event.
- Driving under the influence: Loss or damage sustained while the driver is impaired by alcohol or other intoxicating substances.
How is Ashok Leyland Dost Insurance Premium Calculated?
The insurance premium is calculated based on various factors. Some of the crucial factors are as follows.
Make and Model - Insurance premium is high for a high-priced model.
Policy Type – Amount of premium depends on which type of policy you’ve chosen
IDV –This stands for Insured Declared Value. IDV is the sum insured amount and also the current market value of the vehicle
Add-ons- The premium amount for Ashok Leyland Dost insurance can go high based on the add-on you opted for
NCB – If you have got the No Claim Bonus discount in your name, your insurance premium may get a discount. No Claim Bonus is a discount you can get for not raising any claim in the last policy renewal.
How to Purchase Ashok Leyland Insurance Online at Policy Legit?
In this advanced world, where we can buy anything online, it is not a difficult thing to purchase Ashok Leyland Dost insurance online. Online insurance purchase and renewal can be done from Policy Legit with the help of the following steps.
- Share your RC copy.
- Share your insurance copy if your current insurance is not expired or your NCB is valid.
- Get a quote from our executive. Once you share the details, we provide the best quote.
- Make Payment and Download your Ashok Dost insurance policy.
- Your Ashok Leyland Dost insurance policy will be sent to your email id and mobile number mentioned at the time of purchasing.
- Policies should be renewed from the official website Policy Legit or by contacting our team.
Commercial Vehicle Insurance
Commercial vehicle insurance is a type of vehicle insurance policy, giving financial protection to commercial vehicles like trucks, tractors, buses, auto-rickshaws, and others. It covers losses or damages caused to the insured CV due to accident, theft, fire, natural calamities, etc. It also gives financial coverage to third parties involved in accidents for injury, property damage or even death, loss or damage caused by natural calamities, fire, man-made disasters, theft, etc.
Why do you Need Commercial Vehicle Insurance?
Some of the reasons to buy a commercial vehicle insurance policy are given below:
- Legal Obligation: As per the Motor Vehicle Act, third-party commercial vehicle insurance is mandatory to drive any commercial vehicle in India.
- Financial Security: Commercial vehicle insurance also protects your vehicle and business against any adverse situations that may cause a huge financial drain. It also saves you from monetary losses that occur due to unanticipated events, thus giving you a peace of mind alongside financial protection. Commercial vehicle insurance further covers losses occurring to any third party.
Key Features of Commercial Vehicle Insurance
A commercial vehicle insurance policy comes loaded with some salient features. Some of them are mentioned below:
- Comprehensive coverage is provided to both public and private carriers, including special types of goods-carrying vehicles.
- A commercial vehicle insurance plan also covers third party liabilities and provides monetary compensation in case of any injury or an accident.
- A separate mandatory Personal Accident (PA) Cover is also offered to cover the death or bodily injuries of the driver and the owner.
Types of Vehicles insured in Commercial Vehicle Insurance Policy
Commercial vehicles are an essential mode of transportation and are heavy-duty vehicles used daily to carry out tasks. Some of the most common commercial vehicles are:
- Trucks
- Vans
- Trailers
- Buses
- Taxies
- Coaches
- Carriers
- Shovels
- Tractors
- Cranes
- Mobile rigs
- Bulldozers
These commercial vehicles transport goods within the city/cities and from one state to another, as well as for intercity passenger tours and travel.
Types of Commercial Vehicle Insurance Policies
Majorly two types of commercial vehicle insurance policies are offered in India. These include:
Third Party (TP) Liability Commercial Vehicle Insurance Policy
The Indian Motor Vehicle Act of India has mandated commercial vehicle owners to purchase at least a third-party (TP) liability insurance. A TP policy protects damages caused to any third party property or person. It also provides financial coverage for third party injuries or deaths and also compensates for third-party property damage caused due to the insured commercial vehicle. Since commercial vehicles are heavy-duty vehicles carrying goods that increase their weight, covering them under third party commercial vehicle insurance is an utmost priority.
Comprehensive Commercial Vehicle Insurance Policy
Comprehensive commercial vehicle insurance offers an enhanced protection to your vehicle under any unforeseen circumstances. A comprehensive plan provides protection not only against third party liabilities but also your own commercial vehicle from uncertainties such as accidental damages, fire, theft, flood, earthquake, etc.
Coverage Under Commercial Vehicle Insurance
- Losses due to riots, strikes, natural calamities such as earthquakes, hurricanes, cyclones, etc, are covered
- Damages to the vehicle arising out of fire, self-ignition and explosion
- Partial or total loss to the insured vehicle due to theft, housebreaking, and burglary
- Loss or damage caused to the third-party property, vehicle, bodily injuries and death of the third person.
- Damages arising out of road accidents or collisions are also covered.
- Wear and tear/depreciation of the commercial vehicle.
- Losses incurred during a civil war, nuclear perils.
- Contractual liabilities of the owner/driver of the insured commercial vehicle are also not covered.
- The occurrence of an accident while driving with an invalid driving license or under the consumption of alcohol.
- Using a vehicle in accordance with 'limitations as to use', for instance, a private car is used as a taxi.
- Electrical and mechanical breakdown, breakage or failure of the insured vehicle.
List of Commercial Vehicle Insurance Companies in India 2025
Following is the list of general insurance companies that offer commercial vehicle insurance:
| Insurer Name | Passenger Carrying Vehicle Insurance | Goods Carrying Vehicle Insurance | Miscellaneous Vehicle Insurance |
| Bajaj Allianz Commercial Vehicle Insurance | No | Yes | No |
| Godigit Commercial Vehicle Insurance | Yes | Yes | Yes |
| New India Assurance Commercial Vehicle Insurance | Yes | Yes | No |
| Reliance General Commercial Vehicle Insurance | Yes | Yes | Yes |
| SBI General Commercial Vehicle Insurance | Yes | Yes | Yes |
| Shriram General Commercial Vehicle Insurance | Yes | Yes | No |
| United India Commercial Vehicle Insurance | Yes | Yes | No |
| Zuno Commercial Vehicle Insurance | Yes | Yes | No |
*Disclaimer: The table mentioned above is according to the alphabetical order of the insurance company. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
Frequently asked Questions for Commercial Vehicle Insurance
What is the difference between Comprehensive and Third-party policy in Commercial Vehicle Insurance?
A third party insurance covers in commercial vehicle insurance only paid drivers, owner drivers if opted and to others who got injured or damaged from your vehicle like human or property.
What is a Passenger carrying vehicle?
Commercial passenger carrying vehicles help people transport from one place to another. Examples of this include public and school buses, cabs and taxis.
What is a Goods carrying vehicle?
Goods carrying vehicle is used to carry goods to transport from one place to another, it can be private use for business or public goods such as Pick-up trucks and lorries.
What is considered a miscellaneous and special vehicle category?
Vehicle is not used for passenger and goods carrying like crane and tractor and harvester like all machines considered under this category.
What should I do if my commercial vehicle gets into an accident?
You can directly call in the emergency number if any injury or in damaged condition you can call to the insurer contact number mentioned on your policy paper.
Where can I repair my commercial vehicle in case of damages?
Either you can go anywhere if you do not want any cashless facility or you can go to the insurer tie-up service centre where you can get cashless service and get your vehicle.
Explore More Under Commercial Vehicle Insurance
- Commercial Vehicle Third Party Insurance
- Commercial Vehicle Insurance Companies
- Tractor Insurance
- Truck Insurance
- Pick Up Van Insurance
- School Bus Insurance
- Goods Carrying Vehicle Insurance
- Passenger Carrying Insurance
- Auto-Rickshaw Insurance
- E-rickshaw Insurance
- Bus Insurance
- Tempo Traveller Insurance
- Trailer Insurance
- Tipper Insurance
- Heavy Truck Insurance
- Tanker Insurance
- Bulker Insurance
- Taxi Insurance
Tata Ace Insurance
