Ever wondered who pays for the little things that keep your car running – like nuts, bolts, engine oil, and lubricants – after an accident? These are called consumables, and surprisingly, they are not covered under a standard comprehensive car insurance policy. To protect yourself from paying out-of-pocket for these small yet essential expenses, you need to opt for a Consumables Cover add-on separately.
In a car insurance policy, consumables are the small, perishable parts of a vehicle that get used up or need frequent replacement during repairs. These include items like engine oil, nuts, bolts, grease, lubricants, washers, screws, and brake oil. Since they are not permanent components, they are usually excluded from standard comprehensive insurance and require a Consumables Cover add-on for protection.
A Consumable Cover ensures you don’t have to bear the hidden costs of small yet essential parts during repairs.
Protects items like nuts, bolts, engine oil, and lubricants that are otherwise excluded from standard policies.
Saves you from paying for consumables separately during accident-related repairs.
Complements your comprehensive policy by covering often-overlooked costs.
Ensures even the tiniest repair-related expenses are taken care of by your insurer.
Especially beneficial for new or premium cars where repair bills, including consumables, can be significant.
The expense of consumables may seem minor at first glance, but when added up during repairs, they can significantly increase your bill. That’s why opting for a Consumables Cover in car insurance is both cost-effective and highly practical. The premium you pay for this add-on is far lower than the out-of-pocket costs you would otherwise incur for these items.
With this cover, you get protection for commonly replaced consumables such as:
Note: Coverage of consumables may differ depending on the insurer and policy terms.
While these are covered under the consumable add-on in car insurance, they will be excluded from claim if:
You should opt for a consumable add-on if you fall under one of the following category:
Consumables expenses can add up quickly in the first few years.
Costs for items like engine oil, lubricants, and AC gas are higher.
Ideal for those who want complete protection against unexpected out-of-pocket repair costs.
Useful for vehicles that are driven regularly and may require more frequent replacement of consumables.
You can purchase this add-on with a low-premium surplus, through Coverfox by:
While the process for claiming this add-on is same as a normal claim process, here’s what you need to know about filing a claim:
If your car is repaired at an insurer-approved network garage, you can avail a cashless claim. The garage directly bills the insurer for the consumables used during repair, so you don’t have to pay anything up front. Make sure the insurer and the garage are acquainted about the add-on, and the repairs are pre-approved before proceeding.
If the repair is done at a non-network garage, you will need to pay for the consumables upfront and then submit the bills, policy documents, and claim form to the insurer. The insurer reimburses the approved amount as per your policy terms.
It is an optional add-on that covers the cost of small, perishable car parts and fluids like engine oil, nuts, bolts, lubricants, and AC gas, which are not included in a standard comprehensive policy.
New car owners, Premium or high-end vehicle owners, Frequent drivers, Owners seeking complete financial protection during repairs
Standard comprehensive car insurance does not cover consumables, which can add up during repairs. This add-on ensures you don’t pay out-of-pocket for these essential items.
Engine and gearbox oil, nuts and bolts, grease and lubricants, power steering oil, AC gas, radiator coolant, washers, and oil filters. Coverage may vary by insurer.
Cashless Claim: At an insurer-approved garage, the costs are billed directly to the insurer. Reimbursement Claim: At a non-network garage, pay upfront and submit bills for reimbursement.
No, it is optional. You can choose it if you want additional protection for repair-related consumables.
Yes, the exact list of covered consumables and claim procedures may vary, so it’s important to check policy details before opting for this add-on.
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