Consumable cover in motor insurance: Understanding the importance


13 Mar 2023

Motor Insurance: Consumable Cover

If you've recently purchased a fancy new car, you must know that it requires a significant amount of upkeep. And this is not just about petrol; it's about the ongoing costs of buying air conditioner gas, brake oil, motor oil, etc. These are all examples of items covered under the car insurance consumables category.

Consumables are essentially those parts of your car that have a definite use and, once utilized, are entirely consumed, such as a nut, a bolt, or even oil. Consumables are items that must constantly be replenished or replaced due to constant use or wear & tear.

What is insured under consumable cover in motor insurance?

Any things that are disposed of due to regular wear and tear are referred to as consumables. The following components must be replaced in order to use the consumable cover in motor insurance:

  • All different types of lubricants and oils, such as brake oil, engine oil, power steering oil, radiator coolants, and AC gas.

  • Filters of all types, including the AC filter.

  • Screws, oil, washers, nuts, bolts, and other necessary components are included. 

Exclusions in car insurance consumables cover

In the following circumstances, a claim is not reimbursed by a consumable car insurance add-on cover:

  • Daily fuel expenses

  • Driving without license

  • Electrical or mechanical failure

  • Delayed reporting to the insurance provider

  • Consuming alcohol or using drugs while driving

  • Wear and tear caused by repeated use of car parts. 

Points to consider when purchasing consumable cover in motor insurance

  • Only cars that are less than five years old can be purchased with consumable add-on coverage.

  • Compared to a regular offline or online car insurance policy, this add-on cover provides coverage for more specific vehicle components as specified in the policy documents.

  • Vehicle owners must inform the insurer and get the car's consumables fixed within three days after a theft or accident to have their claim fulfilled. The claim is rejected if the owner of the vehicle does not make the necessary repairs in a timely manner.

  • Consumables claims are only accepted if the consumables are covered under the own-damage portion of the comprehensive insurance policy.

  • The policyholder will not be reimbursed for any claims made under the consumable add-on insurance if they result from drunk driving, illegal driving, wear and tear, component depreciation, breakdown, or consequential losses.

Who should purchase a car insurance consumable cover?

According to experts, the following people/car owners should think about getting this additional coverage:

  • A disposable cover is a smart choice if you want to cut down on the cost of minor repairs and maintenance.

  • If you want to continue driving, you don't have to be concerned about simple fixes or component replacements.

  • If you own a new or expensive car as you know how expensive consumables are to fix or replace. 

Benefits of consumable cover in motor insurance

  • It could be covered at a very low price as part of your comprehensive car insurance.

  • It increases the scope of coverage for complete four-wheeler insurance.

  • It helps to cut down on the price of routine maintenance.

  • Because the insurance company manages all costs, it offers peace of mind. 


Comparatively to a standard car insurance policy, the add-on consumables cover offers protection for more specific vehicle components. So, it is crucial to comprehend the car insurance policy's provisions before filing an insurance claim for consumables.

Team Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Kotak General Insurance, with the sole purpose of providing valuable guidance and sharing insights on the importance of general insurance. Our objective is to assist users in making informed decisions when purchasing or renewing insurance policies for their cars, bikes, and health. Our expertly curated information aims to empower our readers with the knowledge they need to protect their valuable assets and financial interests.