Insurance amount is not a part of the 1,08,715? It clearly says that the insurance needs to be purchased separately when paying 1,08,715.
The 1,08,715 includes the Ather Dot charges (I think) since you are beyond the original September estimated delivery batch.
The preorder amount will be subtracted from 1,08,715 when when you pay at once, so you will just be paying 1,08,715 - 5,000 = 1,03,715.
You will then need to purchase the 5,778 insurance (or another insurance of your choice).
So the total you’ll be paying is 1,03,715 + 5000 + 5778 = 1,14,493.
1,14,493 is 1,13,715 (original amount that was advertised) + 778.
I’m assuming that 778 is the new Dot installation charges, however, I feel like that might be a discrepancy since it’s supposed to be more than that, so technically you’re paying less.