Get Car Insurance starting at only ₹2,094/year #
Car Insurance

Consumables Cover

Consumables cover add-on helps save money on small but frequent repairs that include consumable parts of the vehicles. These include crucial car parts like bolts, nuts AC coolant, ball-bearings, grease etc. Since consumables are not covered by a standard comprehensive car insurance policy, an add-on needs to be purchased at an additional cost.

Read more

Car Insurance
  • Renew policy in 2 minutes*

  • 20+ Insurers to choose

  • 1.2Cr+ Vehicles Insured

#TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

Get Car Insurance starting at only ₹2,094/year #
Looking for Car Insurance?
    Other models
    Other variants
    Select your variant
    View all variants
      Full Name
      Mobile No.
      We don’t spam
      View Prices
      Please wait..
      By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use
      Get Updates on WhatsApp
      Select Make
      Select Model
      Fuel Type
      Select variant
      Registration year
      Registration month
      Save & update
      Please wait..
      Search with another car number?

      We have found best plans for you!! Our advisor will get in touch with you soon.

      Benefits of Consumables Add-on Cover

      Consumables are those materials or things that get used in a car every time it gets repaired or serviced. The consumables wear out with time and need to be replaced often because of continuous damage, loss, or usage. It includes items, such as fuel-filter, nuts-bolts, screws, grease & oils, air conditioner gas, etc.

      As stated earlier, consumables are not covered under a comprehensive car insurance policy. Thus, car owners who wish to obtain coverage for consumable things will have to purchase them as an add-on cover by paying an additional premium amount.

      For instance, Kanu's car meets with a minor accident and its radiator gets damaged. In this situation, her comprehensive insurance policy will cover the cost of repairing the radiator of her car but not the radiator coolant.

      This is because radiator coolant is a consumable item and thus, is not a part of the policy coverage. But if Kanu gets a consumables add-on cover along with her motor insurance policy, the cost of consumables will also be taken care of by her insurance provider.


      What is Covered Under Consumable Add-on Cover

      The cost of consumables can add up to a huge amount and therefore, consumables cover in a car insurance policy is extremely economical. A consumable cover in car insurance will cover the following items:

      • Engine & gearbox oil,
      • Nuts-bolts,
      • Grease & lubricants,
      • Power steering oil,
      • AC gas oil,
      • AC gas,
      • Radiator coolant,
      • Washers,
      • Oil filters, etc.

      The exact coverage may vary from insurer to insurer.

      Buying Consumables Cover in Car Insurance: Things to Remember

      Certain conditions have to be fulfilled to avail of the coverage. Here are a few things that must be kept in mind while buying a consumables add-on cover:

      • This add-on cover can be availed for cars that are less than 5 years old.
      • The consumables add-on cover is not available under a third party car insurance policy.
      • The consumables used due to the mechanical or electronic breakdown of the car can’t be claimed.
      • Any delay in informing the insurer about the damages to the car can deny coverage under this add-on cover.
      • Driving the insured car with invalid documents can also reject one’s claim.
      • Damages due to drunk driving will also lead to denial of the claim.
      • Do not use the insured personal vehicle for commercial purposes otherwise raising a claim under this cover may be futile.
      • If an insured car meets with an accident, the consumables must be repaired within 03 days to get a claim accepted. If the repair is not made in time, then the insurance company may reject the claim.  
      • The coverage level of consumable cover can differ from one car model to another.
      CI Renewal CI Renewal

      Why Buy a Consumables Cover with Your Car Insurance Policy?

      Buying consumables cover in car insurance will help reduce out-of-pocket expenses incurred on consumables items. For instance, while going on a drive, Amar’s car gets damaged in an accident. The estimated cost of repairing the car is Rs. 20,000, out of which Rs 5,000 is for fixing or refiling various consumables, such as nuts-bolts, grease & lubricants, and power steering oil.

      However, his comprehensive motor insurance policy will only cover his own damage repairs worth Rs 15,000. Without consumables cover, he would have to pay the remaining bill of Rs 5,000 from his own pockets.

      With a consumable add-on cover in the car insurance policy, he would not have to spend extra towards the cost of consumables. That is why buying a consumable add-on cover is essential under a comprehensive car insurance policy to save money.

      CI save up to 80 CI save up to 80

      Consumables Cover Claim Process

      For raising a claim against the consumables add-on cover, the policyholder needs to inform their insurer about the accident or damage as soon as possible. Two types of claims can be raised - Cashless Claims and Reimbursement Claims.

      • Cashless Claims: The car needs to be taken to a network garage. After the car is repaired, the repair bill amount will be paid directly by the insurance company.
      • Reimbursement Claims: The car can be repaired from any garage. However, if getting it repaired at a non-network garage then it is important to inform the insurer. Once the vehicle is repaired, the policyholder can send the repair bill to the insurance company to get the bill amount reimbursed.

      Make sure to share all the information regarding the loss or damages to the car with the insurance company before the car gets repaired.


      Explore add-ons for your car insurance

      Plans starting from @ ₹2,094/year*
      Car Insurance
      Zero Depreciation Car Insurance
      Car Insurance
      Compulsory Personal Accident Cover
      Car Insurance
      Bumper to Bumper Insurance
      Car Insurance
      NCB Protector Add-On Cover
      Car Insurance
      Bundled Policy
      Car Insurance
      Roadside Assistance Cover
      Car Insurance
      Return To Invoice
      Car Insurance
      Multi-Year Car Insurance
      Car Insurance
      Engine Protection Cover
      Car Insurance
      Personal Possessions Cover
      Car Insurance
      Voluntary Deductible in Car Insurance
      Car Insurance
      Key Replacement Cover
      Car Insurance
      Daily Allowance Cover
      Car Insurance
      Tyre Protector Cover
      Car Insurance
      Rim Damage Cover
      Car Insurance
      Car Accessories Cover


      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      Save upto 85% on Car Insurance
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
       Why buy from policybazaar

      Car insurance articles

      Recent Articles
      Popular Articles
      IDV in Car Insurance

      22 Feb 2024

      In layman's terms, the IDV full form is the Insured Declared Value
      Read more
      Must-Have Car Insurance Addons for Brand New Cars

      31 Jan 2024

      Investing in a full-coverage car insurance policy is essential for
      Read more
      No Claim Bonus (NCB) in Car Insurance

      29 Jan 2024

      No Claim Bonus (NCB) is a reward given by an insurer to a
      Read more
      How to Choose the Right Car Insurance for Your First Car?

      17 Jan 2024

      Buying their first car is no less than a milestone unlocked for
      Read more
      Things To Know Before Purchasing Sedan Car Insurance

      12 Dec 2023

      The type of four-wheeler you purchase also impacts its insurance
      Read more
      Steps to Check Vehicle & Car Insurance Status/Validity Online
      It doesn’t matter if you are an excellent driver or take your car out only once in a few months; your car must be
      Read more
      Find Car Insurance Details By Registration Number
      Sometimes, you may face situations when you need car insurance or vehicle owner details but cannot readily access
      Read more
      Getting Your Duplicate Car Insurance Policy is Easy-Here’s How!
      Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your
      Read more
      How to Transfer Car Insurance Policy?
      An integral part of selling a car for both the buyer and the seller is ensuring a successful car insurance transfer
      Read more
      Comprehensive Insurance Vs Third Party Insurance
      Comprehensive car insurance offers protection to the insured car against third-party liabilities and own damages due
      Read more

      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.