About Consumables Cover Add-on in Car Insurance

Does your comprehensive car insurance policy actually cover all aspects of your car? Well! comprehensive car insurance does provide its own damages cover, personal accident insurance as well as third-party insurance. However, some consumable parts of your four-wheeler are not a part of your car insurance policy coverage. The cost of consumables can add up to a huge amount and therefore, you must include consumables cover in your car insurance policy.

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Consumables Add-on Cover in Car Insurance

Consumables are those materials or things that get used in your 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, your car meets with a minor accident and its radiator gets damaged. In this situation, your comprehensive insurance policy will cover the cost of repairing the radiator of your car but not the radiator coolant. This is because it is a consumable item and thus, is not a part of the policy coverage. But if you get a consumables add-on cover in your motor insurance policy, the cost of consumables will also be taken care of by your insurance provider.

List of Things Covered under Consumable Add-on Cover

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.

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Things to Be Aware of Before Buying Consumables Cover in Car Insurance

The consumables cover is an add-on to the regular comprehensive motor insurance plan. Hence, certain conditions have to be fulfilled to avail of the coverage. Here are a few things that you must keep in mind while buying a consumables add-on cover under your car insurance policy:

  • You can avail this add-on cover for cars that are less than 05 years old. 
  • The consumables add-on cover is not available under a third party car insurance policy.
  • You cannot claim the consumables in car insurance used due to the mechanical or electronic breakdown of the car. 
  • 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 your claim under consumables cover in car insurance.
  • Damages to the insured car due to drunk driving will also lead to denial of the claim. 
  • Do not use the insured personal vehicle for commercial purposes if you want to raise a claim under this cover. 
  • If your car meets with an accident, get the consumables repaired within 03 days to get your claim accepted. If the repair is not made in time, then the insurance company can reject your claim.  
  • The coverage level of consumable cover can differ from one car model to another.

Why Should You Buy a Consumables Cover under your Car Insurance Policy?

You must buy consumables covered in car insurance as it will help you to reduce your out-of-pocket expenses incurred on consumables items. For instance, imagine you were going on a drive and unfortunately, your 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, your comprehensive motor insurance policy covers your own damage repairs worth Rs 15,000 only. Without consumables cover, you would have to pay the remaining bill of Rs 5,000 from your own pockets. 

But if you have a consumable add-on cover in your car insurance policy, you would not have to spend a single penny from your pocket towards the cost of consumables. That is why buying a consumable add-on cover is essential under your comprehensive car insurance policy to save money.

Consumables Cover Claim Process

For raising a claim against the consumables add-on cover, you need to inform your insurer about the accident or damage as soon as possible to start the claim process. You can raise two types of claims- Cashless Claims and Reimbursement Claims.

For Cashless claims, you need to take your car to a network garage. All motor insurance companies have tie-ups with garages, which are known as network garages. After your car is repaired at a network garage, the repair bill amount will be paid directly by the insurance company. 

For Reimbursement claims, you can get your car repaired from any garage, which is not a part of your insurer’s network. The surveyor of your insurer will inspect the damages to the car and collect the required documents. Once the vehicle is repaired, you need to pay the entire bill amount and take your car home. Then, you need to 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 your car with the insurance company before the car gets repaired. Otherwise, the insurance company will not accept your claim.

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Who Can Buy Consumables Cover in Car Insurance?

Anyone can buy a consumable add-on cover under their comprehensive car insurance policy. If you want to cut down the expenses incurred on minor repairs & maintenance work, then this add-on cover is for you. Make sure to read the car insurance policy terms carefully before buying.

Closing Line

It is always a good deal to save money with the help of an add-on cover in your car insurance policy. Consumables in car insurance can only be covered if you buy a consumables add-on cover. Do make sure to understand the coverage and conditions of the add-on cover clearly so that your claims do not get rejected by the insurance company.

Written By: PolicyBazaar - Updated: 15 November 2021
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