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Car Insurance For Ashok Leyland
Ashok Leyland is a collaboration between Ashok Motors and Leyland Motors. Today the company is a flagship of Hinduja Group which is an Indian-originated, British-based trans-national conglomerate. The company majorly manufactures transport vehicles ranging from Lightweight motor vehicles to Heavy Goods carrying ones. The cost of the Ashok Leyland Insurance policy depends upon the type of vehicle being insured.
Following are the benefits of buying vehicle insurance for an Ashok Leyland vehicle.
The Indian constitution says that a vehicle should be driven only with a valid insurance policy. If this is not followed, the owner can be fined heavily. Thus, you follow the law by buying an insurance policy for your vehicle.
A commercial vehicle is constantly on the road for business purposes. This makes it more vulnerable to accidents and theft. This situation can prove to be a huge financial burden for the owner if no insurance policy is purchased.
Heavy vehicles can cause a lot of damage to life or property. Insurance helps in compensating a person against such losses.
Buying a comprehensive policy allows the policyholder to buy additional coverages that have multiple insurance benefits like access to more services or higher claim amounts.
The above factors ensure that the owner/driver of the Ashok Leyland vehicle can be at peace as he/she does not have to worry about spending additional money against damages related to their commercial vehicle.
Car insurance plans for Ashok Leyland can be of the following types.
It is necessary by law that a vehicle running on an Indian road should be insured. The laws are more strict for commercial vehicles. Buying a third-party insurance policy is a basic requirement as it covers the policyholder against third-party damages or injuries. Additionally, a Personal Accident cover of Rs. 15 Lakh is also included in the policy.
Buying a comprehensive insurance policy is not mandatory, however, it is much more beneficial as compared to a Third-party (TP) liability policy. Where a TP policy only offers financial protection against TP damages, a comprehensive policy covers the insured vehicle as well against financial losses. Additionally, one can buy more add-on covers as per their needs to enhance the coverage.
Coverages define the scope of a policy. These are conditions under which the policyholder should raise a claim to get compensation for the damage to the insured vehicle or injuries to the owner-driver. Following are the coverages of a commercial Ashok Leyland Vehicle Insurance policy:
Third-party Coverages: The cost of paying compensation to the third party for accidental damage to their property or life is covered.
Third-party Legal Liabilities: The cost of legal liabilities arising out of an accident with the third party are covered.
Damage due to Fire: Damage arising out of the fire, self-ignition, or lightning is covered.
Theft Coverage: The policyholder will be compensated with the (IDV) in case of burglary, housebreaking, or theft.
Accidental Damage: Unintentional damage arising out of an accident is covered under Ashok Leyland vehicle insurance.
Damage due to calamities: Damage due to natural or man-made calamities is covered.
Malicious Act: Damage arising out of a malicious act.
Terrorist Activities: Damage to the insured vehicle from a terrorist activity is covered.
Personal Accident Cover: It is mandatory to buy this add-on with your car insurance policy, as it compensates the owner/driver of the vehicle in case of permanent/total disability or death. The sum insured of this cover is 15 Lakh rupees.
Exclusions can be defined as conditions that are not covered under an insurance policy. If a policyholder raises a claim against the exclusions, his/her claim will be rejected. Following are the exclusions of a commercial Ashok Leyland Vehicle Insurance policy.
A claim raised for situations other than the coverages of the policy.
Cost of damage occurred when outside the geographical limits laid down by the insurance company.
Damage caused when the vehicle is used for a purpose for which it is unfit.
Damage occurred when the vehicle is not being driven by a listed driver.
Consequential loss is not covered.
Damage caused due to radioactive or nuclear weapon material.
Damage due to war or war-like conditions.
Damage when the driver is not carrying valid documents.
Damage occurred when the driver is in an intoxicated state.
Add-ons increase the scope of a vehicle insurance policy. These are extra coverages that can be bought with a comprehensive vehicle insurance policy. Here is a list of add-ons that are most suitable for Ashok Leyland vehicles:
Zero Depreciation Cover
Roadside Assistance Cover
Key Replacement Cover
Outstation Emergency Cover
Engine Protection Cover
No Claim Bonus Protection
Return to Invoice Cover
Personal Accident Cover for Passengers
ACKO is a customer-centric insurance company that puts its policyholders before everything else. Being a digital-first insurer, ACKO can carry out most of its customer-related operations online. Thus, it is very easy to claim against an Acko motor insurance policy. Following are more benefits of buying a commercial vehicle insurance policy from ACKO
One can buy an insurance policy from ACKO instantly. No need to send any hard copies of vehicle documents. This feature speeds up the process of buying insurance for your commercial vehicle.
ACKO works on a no-commission model. This enables the insurer to provide insurance at the best price available in the market.
ACKO has a top-rated customer support team that guides potential and existing policyholders at every stage of an insurance policy. Right from purchase to claims, the team is here to help you.
Raising a claim intimates the insurance company that your Ashok Layland vehicle is damaged. The claim process followed at ACKO is quite simple as compared to the traditional one. Here, claims can be raised online without the hassle of tedious paperwork or expert guidance. Follow these steps to claim against your car insurance policy.
Step 1 - Visit www.acko.com from a browser or download ACKO's mobile app.
Step 2 - Login to your ACKO profile by using a registered mobile number.
Step 3 - Find your Ashok Layland car, click on "Claim Now" and enter the required details.
ACKO will get in touch with your to understand more about the claim and guide you through the process. We may also request certain details related to the incident from time to time.
Factors like the cost of the vehicle, its manufacturing year, additional accessories, type of insurance policy, the owner/driver’s claim history, driving habits, etc. affect the cost of an insurance policy.Why is buying an Ashok Leyland vehicle insurance online better than buying it offline?
Buying a vehicle insurance policy online can give you a lot of benefits as compared to buying it offline. For example, there are no agent commissions involved when purchasing an insurance policy online. You can save time and buy the policy from the comfort of your home or office. Digital insurance companies also offer online services that are useful after the purchase of the policy.Which insurance company has the best claim settlement ratio for Ashok Leyland cars?
The Claim Settlement Ratio (CSR) can increase or decrease depending on a lot of factors. Thus, choosing an insurance company based on its CSR alone could prove to be unfruitful. Consider options like social media reviews, ratings, features of the insurance policy, cost, etc. while choosing an insurance company.Where can I buy insurance for my Ashok Leyland vehicle?
Please visit www.acko.com to purchase insurance for your Ashok Leyland vehicle.What is the cost of an Ashok Leyland vehicle insurance policy?
The cost of vehicle insurance depends upon various factors related to the vehicle and its owner. For example, the Insured Declared Value i.e. the approximate market value of the vehicle plays a vital role in the premium. Similarly, the type of vehicle insurance policy, the number of add-ons, claim history, etc. are also important. All these determine the cost of Ashok Leyland’s insurance policy.Does buying vehicle insurance take a lot of time?
No, if you choose to buy insurance online, you can get your policy within minutes.Is it a costly affair to maintain an Ashok Leyland car?
Commercial vehicles require regular attention as they are constantly on the road. One may have to spend money regularly depending upon the nature of the business for which the vehicle is being used.
Below are the vehicle insurances for Ashok Leyland Vehicle models in India.
Ashok Leyland Dost+ insurance
Ashok Leyland Stile insurance
Ashok Leyland Partner 6 Tyre insurance
Ashok Leyland 1920 insurance
Ashok Leyland Ecomet 1615 HE insurance
Ashok Leyland 2820 insurance
Ashok Leyland 4220 insurance
Ashok Leyland 3520 Twin Steering insurance
Ashok Leyland is one of the most successful commercial automobile manufacturers in the country. It stands at the second position for producing transport vehicles and separate engines. On average, the company sells 60 thousand vehicles and 7 thousand engines per year in India. Buying commercial vehicle insurance is mandatory by law in India. If the vehicle is covered with a comprehensive policy, the policyholder can raise a claim in case of damages to the insured vehicle.
The company has deep penetration in the commercial vehicle space by covering almost every type of transport vehicle. Ashok Leyland has been trusted by transportation business owners for decades. The maintenance costs are also low as compared to other brands due to the easy availability of spare parts.
Ashok Layland vehicles come in a range of basic paint options. They are built for rough terrains and for withstanding extreme temperatures that are experienced throughout the country.
A commercial vehicle from Ashok Layland offers ergonomic seating.
The cabin space can comfortably accommodate two people.
The load-carrying capacity depends upon the type of Ashok Layland vehicle being purchased.
|Fuel Tank||50 litres|
|Number of Tires||4|
|Fuel Tank||40 Ltr|
|Number of Tires||4|
|Fuel Tank||90 Ltr|
|Number of Tires||6|
|Fuel Tank||375 Ltr|
|Engine||H series CRS with iEGR/SCR|
|Number of Tires||6|
|Fuel Tank||185 Ltr|
|Engine||H series CRS with iGen6 Technology|
|Number of Tires||6|
|Fuel Tank||200 Ltr|
|Engine||H series CRS with iGen6 Technology|
|Number of Tires||12|
|Ashok Leyland Dost+||₹ 7.24 Lakh onwards|
|Ashok Leyland Partner 6 Tyre||₹ 13.85 – ₹ 14.99 Lakh|
|Ashok Leyland 1920||₹ 23.92 – ₹ 24.88 Lakh|
|Ashok Leyland Ecomet 1615 HE||₹ 22.93 – ₹ 25.30 Lakh|
|Ashok Leyland 2820||₹ 29.55 – ₹ 30.34 Lakh|
|Ashok Leyland 4220||₹ 38.22 – ₹ 38.67 Lakh|
|Ashok Leyland 3520 Twin Steering||₹ 35.56 – ₹ 36.31 Lakh|
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ACKO General Insurance Limited
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Category: Non-Life Insurance
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