What is a Consumable Cover in Car Insurance?

What does a Car Insurance Policy cover?

In India, a comprehensive Car Insurance Policy usually consists of:

• Own damage coverage: OD or Own damage insurance protects us against losses brought on by theft, fire, accidents, and natural disasters.

• Third-party liability: Third-party liability (TPT) provides coverage for injuries sustained by a third party or property damage to another individual.

• Personal accident cover: Financial support in case of injury or death of the owner-driver.

However, standard policies do not cover consumable items like lubricants, coolants, or engine oil, even when the repair is due to an accident.
 

What about the Consumables Coverage?

So, what exactly is the definition of consumables in Car Insurance? Consumables are the parts of a vehicle that cannot be replaced once they are used up or consumed. These consist of:

• Engine oil, brake oil, and lubricants

• Nuts, bolts, screws, and washers

• Grease, distilled water, and radiator coolant

• Air conditioning refrigerant gas

In the event of unplanned repairs, a Consumables Cover is an add-on to Car Insurance that guarantees that these expenses are paid for. In the absence of this cover, the policyholder would be responsible for paying for these expenses.

For instance, your insurance will pay for engine damage if your vehicle is involved in an accident and requires full engine repair. However, without this add-on, you won't get your money back for consumables like nuts and engine oil that are not covered by standard Car Insurance.
 

How to get coverage for consumables?

Adding Consumables Cover in Car Insurance is simple. Here’s how you can opt for it:

1. Choose the add-on while buying/renewing insurance

• Look for Consumables Cover as an add-on when buying a Comprehensive Car Insurance Policy.

• If you already have a policy, you can include it at the time of renewal.

2. Check eligibility and conditions

• Most insurers allow this cover for cars up to 5 years old.

• Some insurers may have specific terms regarding car usage and accident history.

3. Pay an additional premium

• Although this add-on is an additional expense, it might help you avoid making frequent minor purchases in the future.

• Your car's model, location, and insurance provider all affect the cost of consumables.
   

What are the inclusions of a Consumables Cover?

A Consumables Cover in Car Insurance includes:

• Oils and lubricants: Engine oil, brake oil, gear oil, steering oil, and lubricants.

• Coolants: Radiator coolants and distilled water.

• Air conditioning gas: AC refrigerant gas for cooling systems.

• Small hardware parts: Nuts, bolts, screws, washers, grease, etc.

Having this coverage guarantees financial protection for even small but critical components during repairs.
 

What are the exclusions of Consumables Cover?

While the Consumables Cover in Car Insurance provides many benefits, there are certain exclusions:

• Normal wear and tear: Regular maintenance, such as oil changes, is not covered.

• Mechanical or electrical breakdowns: Repairs due to internal malfunctions, not accidents, are excluded.

• Driving under the influence or illegal activities: Accidents caused while intoxicated or driving without a valid license are not covered.

• Delay in claim filing: If you don’t report the accident within the insurer’s stipulated timeframe, you might lose eligibility for this coverage.

Understanding these exclusions helps avoid surprises when filing claims.
 

How to claim Car Insurance for consumable cover?

To file a claim for what is covered by consumables in Car Insurance, follow the basic process:

1. Notify your insurance company
Notify your insurance company of the accident right away and submit a claim.

2. Obtain a surveyor's evaluation
An insurance surveyor will assess the damage and decide if the Car Insurance will cover the expenses for consumables.

3. Network garage repairs
Repairs are carried out at a cashless garage authorised by the insurer if approved.

4. Submit required documents

• Claim form

• Repair invoices

• Copy of Car Insurance policy

• FIR (if applicable)

5. Claim settlement
The insurer will cover the consumables in Car Insurance as per the policy terms.
 

Who should opt for a consumable cover?

The Consumables Cover in Car Insurance meaning is clear: it provides financial relief for minor but necessary car expenses. But who should get it?

• New car owners: For maximum protection in the first few years.

• Luxury and high-end car owners: The cost of consumables are higher for premium vehicles.

• People who drive frequently: The more you use your car, the more wear and tear.

• Individuals who want complete coverage: To avoid any out-of-pocket expenses during claims.

If you fall into any of these categories, getting this add-on can be a smart investment.
 

Summing Up

The small but vital repair expenses, such as engine oil, brake fluid, and lubricants, that aren't covered under a regular policy are handled by the Consumables Coverage in Car Insurance. These expenditures can mount up rapidly without the protection of a Consumables Cover, leaving you with unforeseen out-of-pocket expenses. You can be confident that all repair costs will be covered if you have this add-on in your policy.

If you're looking for a Car Insurance Policy that covers you from every angle, Shriram Car Insurance provides:

• Affordable premiums with flexible coverage options

• Essential add-ons, including Consumables Cover, Zero Depreciation, and Roadside Assistance

• A seamless and hassle-free claim process with minimal documentation

• A vast network of cashless garages, so you can get your car repaired without upfront payments

• Dedicated customer support and quick claim approvals

With the right coverage and add-ons, you can drive with confidence, knowing that every repair expense—big or small—is covered. Get your policy with Shriram Car Insurance today and enjoy worry-free driving!

 

FAQs

1. Is the Consumables Cover included in third-party insurance?

No, it is an add-on available only with comprehensive Car Insurance Policies.

2. Does the Consumables Cover increase the insurance premium significantly?

No, the additional premium is nominal compared to the benefits it provides.
 

3. Can I claim Consumables Cover for regular servicing?

No, it covers only accident-related repairs and not routine maintenance.

4. How long after an accident can I claim for consumables?

Most insurers require claims to be filed within 24-48 hours of the accident.

5. Does this cover apply to commercial vehicles?

Generally, it is available only for private cars, but it’s best to check with your insurer.