Consumable Cover in Car Insurance

Starting at only ₹6 per Day*

Car Insurance banner image
Enter your details to buy Car Insurance
By proceeding you agree to Terms & Conditions
Proceed without car number
  • compare buy
    Compare and buy at best price
  • instant policy
    Instant Policy Issuance
  • no unwanted calls
    No unwanted calls. We promise!

Most car insurance covers do not cover the consumables present in the car and these have to be separately insured through a consumable cover. Consumables refer to those parts of the car that serve a specific purpose and are consumed completely through use. An example of the same would be nuts, bolts, grease, etc. These parts have to be continually replaced as there are high wear and tear of these parts or items.

Anees, who was driving back home from work, met with a minor accident in which his radiator was damaged. As a result of this damage, the coolant leaked too. While Anees' car insurance company reimbursed the replacement cost of the radiator, he was not able to recover any sums for the coolant and had to spend nearly four and a half thousand rupees to get it fixed. Well, if he had a consumable cover, the expenses to repair the consumable would be borne by his insurance company.

Also read - 

Features and Benefits of a Consumable Cover

Paying an additional amount with your car insurance policy will ensure that you reduce the amount of car maintenance cost that is to be paid in the long run. These costs are incurred on a frequent basis and can add up to a significant amount.

  • This add-on can be availed in comprehensive and own damage policies.
  • This add-on can be availed if the car is less than 5 years old.

What is Covered in a Consumable Cover?

  • Replacement costs of lubricants and oils such as engine oil, brake oil, air conditioner refrigerant, radiator coolant, etc are covered.
  • The replacement cost of nuts, bolts, screws, washers, grease, etc is covered.

What is Not Covered in a Consumable Cover?

Standard exclusions are as follows –

  • No claims can be made if the car was driven under the influence of alcohol or other intoxicating substances.
  • No claims can be made if the car was driven by an individual who does not have a valid driver’s license.
  • No claims will be entertained if there was contributory negligence on the part of the policyholder or if it was a voluntary act that caused the damage.
  • No claim can be made for damages caused due to depreciation of the automobile.
  • No claim can be made for damages caused due to uninsured peril.
  • No claim will be entertained if the car was a private vehicle driven for commercial purposes.

Other exclusions under such a policy are as follows –

  • A claim will not be entertained if there is an electrical or mechanical breakdown of the car.
  • A claim made for wear and tear of the consumables will not be entertained under this cover.
  • Car fuel is not accounted for as a consumable under a consumable cover and hence, the policyholder is not eligible to make any claims regarding car fuel. For example, no claims can be made for the theft of the fuel from the fuel tank.
  • A claim will be invalidated if the policyholder did not have the insurance papers along with the driver’s license in his possession, in the car, at the time of the accident.
  • A delay in intimation might result in the rejection of the claim under the policy.

Who Should Buy a Consumable Cover?

Experts advise that the following individuals/ car owners must consider purchasing this additional cover –

  • If you wish to reduce expenditure on small repairs and maintenance, then opting for a consumable cover is a good idea.
  • If you wish to stay, worry-free about minor repairs and replacements of various car parts.
  • If you are an owner of a  new/luxury car as repairing/replacement cost of consumables is high.

People who are living in accident-prone areas should also opt for this cover as, during accidents, the consumables of your car need to be repaired/replaced during car insurance claims.

Also read - 

Consumable Cover in Car Insurancea FAQs

  • 1. What is the cost at which this add-on can be availed?

    The car owner is required to pay any extra amount as premium to avail this add-on. However, the amount varies from insurer to insurer depending on the age, make and model of the car.

  • 2. What are the documents that are to be submitted at the time of making the claim under the policy?

    While making a claim, one must submit the bills and receipts of the repairs in the network garage of the insurer, along with the current policy and car details. Refer the terms and conditions of the policy for any other specific requirements that the insurer might have.

  • 3. In case of an accident, within what time must the policyholder get the repairs done?

    The consumable cover benefits can be availed by the policyholder only when the repairs to the car consumables is done within a period of 24 hours of the accident. The claim will be honoured only if this timeline is adhered to.

Recent Articles

View All
https://insurance-blog-cms.paytminsurance.co.in/42_Car_Insurance_How_Safe_Is_Online_Car_Insurance_Renewal_8_1079d28082.jpg

How to Check SBI General Insurance Claim Status?

Have you recently claimed your SBI car insurance policy? If so, you may be wondering how to check the status o...

Read More
https://insurance-blog-cms.paytminsurance.co.in/28_Car_Insurance_Buyin_Car_Insurance_Online_Vs_Offline_3_b8637878ad.jpg

A Guide to Checking HDFC ERGO Car Insurance Claim Status

HDFC ERGO General Insurance Company offers various ways to check comprehensive, third-party, or own-damage car...

Read More
https://insurance-blog-cms.paytminsurance.co.in/28_Car_Insurance_Buyin_Car_Insurance_Online_Vs_Offline_3_b8637878ad.jpg

Convert Your Third Party Car Insurance to Comprehensive Car ...

The comprehensive car insurance policy offers better risk coverage on the road than third-party car insurance....

Read More
https://insurance-blog-cms.paytminsurance.co.in/36_Car_Insurance_Guide_To_Switch_Car_Insurance_Policy_Online_4_99a37fc94d.jpg

Permissible Car Insurance Claims in a Year

In India, having a valid car insurance coverage is obligatory by law. This implies that anybody who owns an au...

Read More
https://insurance-blog-cms.paytminsurance.co.in/50_Car_Insurance_Is_It_Mandatory_To_Buy_Car_Insurance_From_Your_Auto_Dealer_3_02e5be82ee.jpg

Top 10 Small Cars in India – Price, Mileage, Specifications

Check out this list of the best ten smallest cars in India, ranked by features including price, gas economy, a...

Read More
https://insurance-blog-cms.paytminsurance.co.in/68_Car_Insurance_Tips_To_Reduce_Car_Pollution_Level_During_Smog_Season_0f6f2010f2.jpg

Top 10 Most Expensive Cars in India - Prices, Mileage, Specs...

In a way, the most expensive cars are more than just cars; they are a statement of excellence in all aspects. ...

Read More
https://insurance-blog-cms.paytminsurance.co.in/3_Car_Insurance_5_Typesof_Car_Insurance_Coverage_Explained_2_0344bf0b29.jpg

A Guide to Buy the Best CSD Car In 2022

If you have been planning to buy a CSD car in India, read on to know the prices of all the models in the categ...

Read More
https://insurance-blog-cms.paytminsurance.co.in/36_Car_Insurance_Guide_To_Switch_Car_Insurance_Policy_Online_4_99a37fc94d.jpg

A Complete Guide to Different Bharti AXA Car Insurance Plans

One of the leading players in the Indian insurance marketplace, Bharti AXA has a lot to offer when it comes to...

Read More
https://insurance-blog-cms.paytminsurance.co.in/28_Car_Insurance_Buyin_Car_Insurance_Online_Vs_Offline_2_97eccdf120.jpg

Mistakes to Avoid While Renewing Shriram Car Insurance Polic...

Shriram General Insurance, undoubtedly, offers best car insurance policies with attractive renewal features. B...

Read More