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Consumables Cover in Car Insurance
Several items in your car need replacing on a regular basis because of natural wear and tear. They are used up or replaced during regular maintenance or repair of your car. Some common items are consumables, such as engine oil, brake oil, fuel filters and washers.
In the event of an accident, the cost of replacing the consumables is not included as part of the standard car insurance policies, including comprehensive car insurance plans. So, you may have to pay for these expenses out of pocket to complete the formalities.
Although these items seem to be minor components, their total loss can lead to substantial costs, especially during extensive repairs.
This is where consumables cover in car insurance helps. It is an optional cover available at an additional premium that covers the cost of consumables in car insurance!
Let's delve into understanding consumables cover in car insurance - its meaning, importance and benefits. So, let's start right away.
What Does Consumables Cover in Car Insurance Mean?
Consumable cover in car insurance is an add-on option that covers the cost of repairing or replacing consumable items in the event of an accident. Consumables in car insurance include engine oil, nuts, bolts, washers and brake fluid.
Standard car insurance policies usually do not cover these smaller expenses, which can accumulate significantly after a claim. By opting for a consumable cover with Reliance car insurance, you ensure that these costs are covered, providing more comprehensive protection. Consumables refer to items that are used up over time and need to be replaced regularly to maintain the safety and longevity of your car. These consumable items in car insurance include essential fluids and components as listed below:
- Engine oil
- Gearbox oil
- Lubricants
- Distilled water
- Washers
- Nuts and bolts
- Clip
- Brake oil
- Grease
- Oil filter
- Bearings
- Fuel filter
- Screws
- Air Conditioner gas
How Does a Consumable Cover in Car Insurance Help?
Let us consider a simple example to comprehend how the consumable cover in car insurance works. Ms. Savita owns a Hyundai Creta car insured with a Reliance car insurance policy.
She had a massive accident, and her car required a total of ₹85,000. This includes ₹75,000 for repairing major parts and another ₹10,000 for replacing consumables.
Without consumable cover in car insurance, she will have to bear the expenses out-of-pocket for consumables above the standard deductibles. However, with consumable cover in car insurance, she will have to pay only the deductible amount as mentioned in the policy.
For instance, if the standard deductible is ₹5,000, she can benefit from the claim for ₹80,000, which includes the cost of consumables of ₹10,000.
At IndusInd General Insurance, we offer a consumables add-on cover with our Own Damage and Comprehensive Car Insurance plans. It covers expenses for small yet essential components that could significantly increase your repair bill. This ensures peace of mind by covering even small expenses tailored to your preferences.
IndusInd Consumable Cover in Car Insurance - Inclusions
What is Covers?
With this add-on, you can cover all expenses related to consumables as long as they are covered under a damage claim.
It is applicable to repairs arising from an accident of your insured car.
The consumables considered for this cover include engine oil, lubricants, nut and bolt, gearbox oil, bearings, clip, fuel filter, brake oil, screw, distilled water, air conditioner gas, oil filter, grease, washers and similar items, excluding fuel.
What it Does Not Cover?
When the consumable in question is not connected to the claim you've raised.
If the claim is not valid as per the own damage component of the car insurance policy terms and conditions.
If the vehicle is repaired at an unauthorised garage.
Driving without valid documents, such as a driver’s licence
Driving under the influence of drugs or alcohol
Driving outside geographical limits
Illegal driving, especially in restricted areas
Disclaimer: Please check the official policy documents for detailed information about inclusions and exclusions under your plan.
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Benefits of Covering
Consumable Items in Car Insurance
Financial Security
In the event of an accident, our consumable cover in car insurance will help you pay for the applicable expenses, which you would otherwise have to pay out-of-pocket, thus reducing your financial burden and preserving your savings.
Enhanced Coverage
This add-on acts as an extra shield of financial security beyond your standard car insurance, covering those smaller yet crucial expenses that often go unnoticed. Without it, you might end up paying for these costs out of your own pocket, which can strain your budget. By including this cover, you reduce unexpected financial stress and keep your savings intact.
Peace of Mind
With this coverage, you can drive stress-free knowing that every expense related to your car is taken care of under your policy. From unexpected repairs to essential replacements, you won’t have to worry about paying out-of-pocket. This not only reduces your financial burden but also helps you safeguard your savings for what truly matters
How to Buy Consumable Cover in Car Insurance?
As mentioned earlier, the cover is available as an add-on. That means you can get the cover along with a standard policy. When you are purchasing Own Damage Car Insurance or Comprehensive Car Insurance, you can opt for the consumable expenses cover using the following steps:
Step 1: Visit our official website and navigate to the Car Insurance page.
Step 2: Enter the required details, such as your car’s registration number, email ID, and mobile number. Click on ‘View Prices’.
- Step 3: You can finalise a suitable car insurance policy. Also, choose the consumables add-on cover. Click on ‘Buy Now’.
Step 4: Review the car insurance policy details, including the premium breakdown.
Step 5: Once you've received your final premium amount, you can make the payment, and your policy will be issued immediately.
How to Claim Consumable Expenses in Car Insurance?
The benefits applicable to the consumable cover can be claimed in a few simple steps.
Step
Register your claim by calling us on our paid number - 022 - 489033009. Mention whether it is a cashless or reimbursement claim.
Step
Take your car to an authorised garage and make arrangements to have it surveyed for damages, including consumables. Submit the required documents to the surveyor.
Step
We will verify the claim and confirm the liability to process the claim settlement if there are no discrepancies.
Types of Claim
1
Documents Required When Filing a Claim
Duly filled and signed claim form
A copy of your car insurance policy
Proof of Identity and Address
A copy of the valid driver's licence
Copy of the Registration Certificate (RC), including your car's make and model
Receipts of all repair bills (if you get repairs at a non-network garage)
Who Should Opt for Consumable Cover in Car Insurance?
If You Prefer Comprehensive Protection
If you want to ensure comprehensive protection for your car against all repair-related expenses, you should buy a consumable cover in car insurance.
If You Prefer Minimising Out-of-Pocket Expenses
If you want to cover even minor repair costs and minimise out-of-pocket expenses, a consumables cover is a wise choice.
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Disclaimer:*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.>The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued. The premium mentioned for car Insurance excludes taxes for the private car model Maruti Suzuki Alto 800 with a cubic capacity of less than 1000 cc for a 1-year Own Damage Insurance policy for an IDV of ₹2,34,728. The premium used is 2,853/year as of 1 March 2023 and then converted into a per-month basis, which gives us ₹238/month (2,853/12).The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, age of the vehicle and addition of add-ons like InduInd Limit Sure-Pay As You Drive.
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