Consumable Cover Under Motor Insurance: What It Is, Benefits, Cost & Claims
A standard comprehensive motor insurance policy covers accidental damage to your vehicle, but it does not cover the cost of consumables used during repairs. These include engine oil, lubricants, nuts and bolts, coolants, AC gas, grease, brake fluid, and other small but essential components.
This is where the Consumable Cover add-on comes into play. It reimburses the cost of such consumables when your car is being repaired after an accident.
What Are Consumables in Motor Insurance?
Consumables are vehicle repair materials that:
- have a limited lifespan
- are used up completely during repair
- are not reusable
Common consumables include:
- Engine oil
- Coolant
- Lubricants
- AC refrigerant gas
- Brake fluid
- Grease
- Nuts and bolts
- Screws and washers
Why Is Consumable Cover Important?
This add-on helps car owners avoid unexpected expenses during repairs because consumables alone can cost anywhere from ₹2,000 to ₹10,000 or more depending on damage severity.
Benefits of Consumable Cover:
- Covers consumable expenses not included in normal insurance
- Useful for major accidental repairs
- Reduces out-of-pocket expenses
- Complements Zero Depreciation cover
- Ideal for new and premium vehicles
- Great for customers preferring cashless repairs
What Does Consumable Cover Include?
It covers items such as:
- Engine oil & lubricants
- Coolant & brake fluid
- Oil filter
- Nuts, bolts, washers, screws
- AC gas & refrigerant
- Grease & adhesives
Exclusions: What It Does NOT Cover
- Wear and tear consumables during routine service
- Fuel cost (petrol/diesel/CNG)
- Damage from mechanical breakdown (not accident related)
- Consumables replaced without insurer approval
- Normal maintenance & oil change
Cost of Consumable Cover
The cost varies based on vehicle type and insurer, but typically ranges from:
| Vehicle Type | Approx Premium/Year |
|---|---|
| Small Cars | ₹300 – ₹700 |
| Sedans | ₹500 – ₹1,000 |
| SUVs & Premium Cars | ₹800 – ₹1,500 |
Who Should Buy This Cover?
You should consider this add-on if:
- Your car is less than 5 years old
- You want cashless repair convenience
- You own a premium or SUV segment car
- You already have Zero Depreciation cover
Claim Process for Consumable Cover
- Inform insurer immediately after accident
- Take the vehicle to an authorized workshop
- Surveyor inspects the vehicle
- Consumable cost is included in the final bill
- Claim processed either cashless or reimbursement
Example Scenario
A car meets with an accident and requires bumper and radiator repairs. Consumables such as engine oil, coolant, AC gas, and bolts cost ₹5,500.
Without Consumable Cover → owner pays ₹5,500 out of pocket. With Consumable Cover → insurer pays the consumable cost.
Is Consumable Cover Worth It?
Yes. For a small premium, it protects against consumable expenses that standard insurance excludes. It is especially valuable for new cars, luxury vehicles, and customers using cashless garages.
Final Thoughts
Consumable Cover ensures peace of mind and financial savings when repairing your vehicle after accidents. It is a cost-effective add-on that pairs well with Zero Depreciation Cover and is a smart choice for modern car owners.
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