Ashok Leyland Dost Insurance 

Parts lose value over time, which means insurance companies reduce your claim amount during repairs. With this add-on, you get the full repair cost without any deductions for depreciation. 

If thieves steal your Dost or it gets completely damaged in an accident, standard insurance pays less than your purchase price. This cover ensures you receive the full invoice amount you originally paid. 

When your Dost breaks down during deliveries, waiting for help wastes valuable business time. This add-on provides immediate towing, fuel delivery and on-spot repairs to keep your vehicle moving. 

Flooded roads can push water into your Dost's engine, while oil leaks can cause serious internal damage. This cover pays for expensive engine repairs or complete replacement when such damage occurs. 

Repair work on your Dost needs items like engine oil, coolant, washers and nuts that aren't covered in basic insurance. This add-on takes care of all these small but necessary consumable costs during garage work. 

Safe driving for years without claims earns you good discounts on renewals. This add-on protects your earned discount even if you file one claim, so your savings remain intact. 

Your Dost likely carries toolkits, jacks or work equipment for daily business operations. If these get stolen or damaged in an accident, this cover replaces them up to ₹25,000. 

Items like bags, phones or clothes kept inside your Dost can get lost or damaged during accidents. This cover pays up to ₹25,000 yearly for such losses, though you pay ₹500 for each claim yourself. 

Accidents can injure you or your driver, leading to sudden hospital bills and ambulance costs. This add-on provides cash to handle these medical expenses so your family's finances don't suffer. 

Standard policies only cover ₹1,500 for towing, which isn't enough if your Dost needs long-distance transport after a breakdown. This add-on increases that limit so you don't pay extra from your pocket. 

Lost keys or damaged locks can stop your Dost from working, affecting your business schedule. This cover pays for new locks and keys and you keep your no-claim bonus intact, too. 

Major accident repairs can take over a month, but your vehicle loan EMIs don't stop during that time. This add-on pays your EMIs during lengthy repair periods, so loan pressure doesn't add to your stress. 

When your Dost is in the garage, you can't run deliveries or earn your usual daily income. This cover gives you cash every day to manage expenses until your vehicle returns to the road. 

If your Dost breaks down more than 300 km from home during a long business trip, you'll need somewhere to stay overnight. This add-on covers your hotel costs while mechanics work on your vehicle. 

You agree to pay a small portion of repair costs yourself when making claims. In exchange, your insurance company reduces your premium, helping you save money at policy purchase time. 

Some accidents damage expensive property or cause serious injuries to other people, leading to huge compensation demands. This add-on increases your third-party coverage limit to protect you from such big financial claims. 

Indian roads with deep potholes and high-speed breakers can easily damage your Dost's alloy wheel rims. Regular insurance ignores such damage, but this add-on covers rim repairs and replacements completely. 

Commercial vehicles like the Dost face frequent tyre problems from punctures, cuts and rough road conditions. This cover handles tyre repairs and replacements, which is essential when you drive high daily mileage. 

If your delivery business takes your Dost across borders into Nepal, Bhutan or Bangladesh, standard Indian insurance won't work there. This add-on extends your coverage to these neighbouring countries for safe international trips. 

Losing taxi keys or dealing with stolen keys means replacing locks and getting new keys made. This cover pays these replacement costs, including mechanic labour, up to 1% of your claim or ₹500. 

When accidents damage your taxi's tyres and tubes, replacement costs include the tyre price plus balancing and alignment work. This add-on covers all these expenses, including labour charges for complete tyre-related repairs. 

Accident damage to your taxi's wheel rims needs repairs, along with balancing, alignment and consumables during the work. This cover handles rim replacement costs plus all the additional service charges and labour needed.