Consumables In Car Insurance

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What is the consumables in car insurance?

The consumables add-on cover is an additional feature that you can add to your car insurance policy. With consumables cover, you get compensated for the replacement of consumable items like lubricants, engine oil, brake oil, power steering oil, AC gas, nuts, bolts, grease, etc. This cover saves you from having to pay out of your pocket for these consumables.

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Benefits of having consumables cover

  • The consumables add-on cover provides coverage for the expenses incurred in replacing or replenishing consumable items that are damaged during an accident.

  • Consumables such as engine oil, coolant, brake fluid and filters are not typically covered under the standard policy but adding the consumables cover ensures that these items are included in your coverage.

  • Regular replacements and replenishments of consumables with add-on cover, can help you save on these expenses as they will be covered by your insurance.

  • You can easily provide the necessary documents, such as receipts or invoices, to us and we will reimburse you for the expenses incurred in replacing or replenishing the consumables which typically makes it a straightforward process.

  • Knowing that you have coverage for consumable items in your car insurance policy provides peace of mind.

Who should opt for consumables cover?

Consumables cover in car insurance is beneficial for anyone who wants to have comprehensive coverage. It may be particularly useful for

  • High mileage drivers

    If you frequently drive long distances, your vehicle's consumables such as engine oil, coolant and filters may need to be replaced more often.

  • Owners of expensive or luxury vehicles

    Consumables cover, ensures that these consumable items are covered in case of damage or use, reducing the financial impact of maintaining luxury vehicles.

  • Vehicle enthusiasts

    If you own classic, vintage or speciality cars that may have unique consumable needs, adding the consumables cover can provide the necessary protection.

  • Individuals in areas with harsh driving conditions

    Consumables cover can offer protection in the likelihood of consumable items damage or depletion is higher if you regularly drive in extreme weather conditions, off-road or in areas with rough terrain.

Steps to buy car insurance online from Kotak

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Get All-round protection for your precious vehicle in a few steps. We at Kotak General Insurance understand the value of your time and have simplified the car insurance buying process to a few simple steps.

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Click on the "Get a Car Insurance Quote" button on the Kotak Car Insurance Page

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Fill in your car details such as registration number, model, make etc.

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Fill in you personal details and make the payment online.

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Visit kotak general insurance website

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Fill in your details such as car registration number, mobile number and email id (optional).

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Click on the "Get A Quick Quote" button on the Kotak Car Insurance Page and review coverage

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Click on the "Get a Car Insurance Quote" button on the Kotak Car Insurance Page

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Fill in the required details such as registration number, model, make, etc.

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Fill in you personal details and make the payment online.

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Steps to renew car insurance policy online from Kotak

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Your car insurance is just a click away. Visit the Kotak Car insurance page to get your car insurance quote.

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Visit https:www.kotakgeneral.com/renewal and choose the car insurance policy that you want to renew

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Enter your policy number and mobile number and click on ‘Submit’.

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Your policy number will be verified and you will be able to check the details of your existing policy. You can continue to renew renew the existing policy or make changes.Your policy number will be verified and you will be able to check the details of you

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How to file a car insurance claim at Kotak

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Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.

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Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.

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You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.

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An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.

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On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.

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You will only be required to pay the deductible as mentioned in the policy, and the depreciation value, salvage, etc., as informed by the surveyor.

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Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.

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Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.

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You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.

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An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.

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The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.

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Submit all bills, payment receipt along with your policy details to us, and we will make the payment within 7 working days of completion of the documentation

List of documents required for filing a car insurance claim

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Documents required for car insurance claim

To raise a motor insurance claim under different situations mentioned above, you will require the following documents.

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Registration Certificate (RC) Copy

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Policy Copy

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Policy holder's valid ID proof

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Drivers Driving license

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FIR Copy (In case of theft and TP claim)

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Duly filled Claim form

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Any further requirements will be conveyed basis inspection

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FAQs Consumables cover add-on

The consumables in car insurance refer to the items that need to be replaced regularly due to wear and tear. The consumables items list, in the case of a car, includes brake oil, engine oil, lubricants, refrigerant for AC, ball bearings, nuts, screws, bolts, and washers, among many others.

Consumables cover add-on helps save money on small but frequent repairs that include. These include crucial car parts like bolts, nuts AC coolant, ball-bearings, grease etc. Since consumables are not covered by a standard comprehensive car insurance policy, an add-on needs to be purchased at an additional cost.

Generally, insurance companies do not cover consumables in their health insurance policy because this may result in paying a higher claim amount. This is because consumable items such as gloves, gowns, hair caps, and others are used only once by the surgeons throughout the hospitalization of the policyholder

Consumables are part of the Core budget because these are everyday products and devices that you might need because of your support needs, for example, continence products, wound care or even low-cost assistive technology.

The worthiness of consumables cover add-ons depends on individual circumstances and needs. If you frequently drive, own a vehicle with higher consumable usage or want comprehensive coverage, adding this cover can be beneficial.

Cost of consumable means the cost of food, beverages, preparation, catering or entertainment furnished at an event.

Consumables refer to items that are regularly used or replaced in a car's maintenance, such as engine oil, coolant, brake fluid, filters, and other similar components.

Consumables cover add-on includes coverage for the expenses incurred in replacing or replenishing consumable items that are damaged or used during an accident.

To add consumables cover, you need to contact kotak general insurance and inquire about the availability of this add-on. We will guide you through the process and provide you with information on the coverage details and premium costs. You can then choose to add it to your policy if it suits your needs.

In the event of an accident or covered event that leads to the damage or depletion of consumables, you will need to file a claim with kotak general insurance.

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