There are certain consumable parts or substances used in the repairs of any car. To name a few - nuts, bolts, pipes, engine oil, grease to AC gas, coolant and ball-bearings etc. These are not covered under any insurance policy. With consumables cover add-on, you’re passing on that liability on your insurance company.
Your insurance company will not pay for the consumables used during the repairs. The individual costs of consumables may seem relatively low but it’s not the case when the damage in itself is larger.
For example:
For repairing a simple frontal damage, Rs. 1000 worth of consumables may be used. But for repairing or replacing engine, this cost can shoot up to Rs. 7,000.
You file a claim with a Comprehensive Insurance policy + Consumables Cover
With a consumables cover, you would not have to pay for consumables used in the repairs.
Remember: For suitable coverage, consumables cover works best when combined with a car insurance and zero depreciation add-on. Like that your insurance company will pay for the cost of depreciated parts as well as the consumables. By further loading your policy with engine protect cover, you can protect yourself from paying for hefty engine repair costs too.
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