Consumable Add-On in Two-Wheeler Insurance

Securing insurance for your bike with a third-party liability insurance policy is mandatory in India. However, a comprehensive insurance plan offers you an option to enhance its coverage by adding extra features, known as add-ons. One such valuable add-on is the consumable cover, which provides added protection to your two-wheeler. Read further to understand the significance of consumable cover.

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Two Wheeler Consumable Add-On Cover

With the help of consumable add-on cover in your bike insurance offers you additional coverage for the consumable items that are not covered under a comprehensive bike insurance plan. Consumable parts in a two-wheeler are nuts, bolts, screws, lubricants, engine oil, grease, gearbox oil, distilled water, etc.

The consumable parts are small things, but the cost of these parts would be higher and can put a big hole in your pocket in case they require replacement. In such a case, consumable add-on cover can provide you with financial aid during an emergency.

Why Do You Need a Consumable Add-on?

Since a basic comprehensive insurance plan provides coverage for a particular set of things, add-ons such as consumable cover enhance the coverage and provide an extra layer of protection. A consumable add-on cover is offered at the cost of a slightly higher premium, but your bike is financially covered all the time.

There are set of multiple consumables that are required to change while your damaged bike is getting fixed, and they can be quite costly. To help you in this, here are some of the benefits of purchasing this add-on cover with your comprehensive bike insurance or own-damage cover-

  • Provides financial aid for the replacement of the consumable.
  • Engine oil and gearbox oil are covered under this add-on.
  • Better coverage at the time of claim settlement.
  • End-to-end protection.
  • You can have peace of mind as you will not have to pay from your pocket.

You may also read- 5 Add-on Covers for a Bike That You Shouldn’t Miss

Coverage under Consumable Add-on Cover

Every insurer has a different set of coverage under the consumable insurance add-on. Here are some of the common inclusions of consumable add-on cover-

Common Inclusions
Nut & Bolt
Engine Oil
Gearbox Oil
Distilled water
Brake Oil

Under Which Conditions Insurer Would Not Provide Cover?

While purchasing this add-on, you must be aware of the conditions under which the insurer will not provide coverage. They are as follows-

  • If the insured is riding the bike under the influence of alcohol or drugs.
  • Riding the bike without a valid driving license.
  • Riding the bike without a valid & active two-wheeler insurance policy.
  • If the insured does not inform the insurer about the damage before getting it repaired.
  • Terms and conditions as listed in the policy.

How You Can Raise a Claim for Consumables in Bike Insurance Policy?

The process of raising a claim under consumable add-on is similar to raising a claim under comprehensive insurance. You can raise either a cashless claim or a reimbursement claim under this add-on.

Cashless Claim Settlement Process

In order to provide a cashless claim facility the insurance companies collaborate with several two-wheeler garages PAN India. If your bike suffers any kind of damage, you can take it to one of those registered/network garages and get it fixed and the insurer will pay for the repair on your behalf. Here is the process that you can follow for the cashless claim-

Step 1- Inform your insurer about the damage

Step 2- You can either call, visit their website, or mobile application to raise a claim.

Step 3- Take a picture of the damaged parts and upload them.

Step 4- Then the insurer will send an inspector and check if you have raised the claim for genuine damage.

Step 5- Then the insurer will direct the bike to the registered network garage.

Step 6- Once the damages are fixed, the insurer will pay on your behalf.

Reimbursement Claim Settlement Process

You can also opt for reimbursement of the claim raised for the loss or damage caused to the bike. In this case, you can get the damages fixed and then raise the claim to get reimbursement. In addition, you need to inform the insurer before getting your bike repaired otherwise you will not be liable for the reimbursement. Here are the steps you can follow to get reimbursement-

Step 1- First inform your insurer about the loss or damage caused and you want reimbursement.

Step 2- You can contact them by calling them, visiting their website, or using their mobile application to register the claim

Step 3- Once you have registered the claim, the insurance company will send an inspector to take note of the loss and damage caused.

Step 4- Once your bike is fixed, you can take the bill and submit it along with the claim form.

Step 5- Once all the documents required are submitted, the insurer will initiate the claim.

Step 6- In a few days, you will get the reimbursement of the cost of the replacement of the consumable

How Much Does Consumable Add-On Cost?

The consumable add-on cover in bike insurance is not very much costly. The cost of this add-on can vary from insurer to insurer as well as the cost of your bike, location, and the year of manufacture. You can visit the official website of Policybazaar Insurance Brokers Limited. Here you can look for the consumable add-on cover online and pay for it using any of the favourable online methods, such as UPI, net banking, and debit/credit card.


As mentioned above, the cost of a consumable add-on will depend on the kind of bike you own. With this add-on cover, you can enhance the coverage of your standard policy by paying an affordable premium amount.

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