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Standard insurance policies do not cover the consumables present in the bike and these have to be separately insured through a consumable cover. Consumables can refer to the bolts, grease, nuts, screws, and other items used on a bike.
Take Amit’s example. He was taking his bike out of the parking lot in the mall when he realized that his brakes were malfunctioning and on a little investigation figured out that it was because the brake oils needed to be replaced. He rushed the bike to the service station but incurred some costs which he wished his bike insurance company would have paid.
But his basic bike insurance policy had no such provision and he spent the amount out of his savings for the month. To avoid being in this situation, consider purchasing a consumable cover for your two-wheeler!
Replacement cost of the following is included under this policy cover –
The following is not included in the cover –
It has been noticed that the persons who opt for this cover are mostly those who wish to reduce expenditure on small repairs and maintenance and those who wish not to worry about minor repairs and replacements of various parts of the bike. Also, people who own new or superbikes, someone who lives in an accident-prone area should opt for this cover.
The bike owner is to pay any extra amount of 10% as a premium to avail of this add-on. However, the amount varies from insurer to insurer and needs to be carefully perused while signing the policy papers.
The consumable cover benefits can be availed by the policyholder only when the repairs to the consumables are done within a stipulated period of time which is usually a period of 3 days. The claim will be honoured only if this timeline is adhered to.
While making a claim, one must submit –
Note: Refer to the terms and conditions of the policy for any other specific requirements that the insurer might have.