Consumables in Car Insurance

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Disclaimer:Tata Capital Limited (“TCL”) registered with IRDAI (License No. CA0896, valid till 21-Jan-2027), acts as a Corporate Agent “Composite” for Go Digit General Insurance Limited. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms and conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

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What are Consumables in Car Insurance, Meaning and How it Works?

what are consumables in car insurance

What are Consumables in Car Insurance?

With every great possession comes great responsibilities! So, if you’ve just bought yourself a swanky new car, you know that there’s a lot of maintenance involved. We’re not talking about fuel – we mean the constant expenditure of getting air conditioner gas, brake oil, engine oil, and so on. These are all examples of ‘consumables’.

Basically, consumables cover in car insurance meaning refers to those materials of your car that serve a specific purpose – like fuel-filter, nuts-bolts, screws, grease and oils, air conditioner gas, etc. – that once used cannot be used again. Consumables are things that, therefore, have to be replaced or refilled frequently because of continuous wear and tear or usage.

consumables covered in your car insurance

Are Consumables Covered in Your Car Insurance Policy?

Unfortunately, the answer is no! Most car insurance policies do not cover the cost of consumables.

But like in most cases, the solution is – you guessed it – simple! You can always purchase a separate car insurance add-on cover in addition to the comprehensive insurance policy. By paying an extra amount, you can make sure your car insurance policy covers your consumables as well and cut down on those small – but significant – car maintenance costs.

How Does Consumable Cover Add-on Work?

Benefits of Consumables Cover in Car Insurance

What’s Covered Under Consumables Cover in Car Insurance?

What’s Not Covered Under Consumables Cover in Car Insurance?

Things to Remember Before Buying Consumables Cover Add-on in Car Insurance

Who Should Opt for Consumables Cover in Car Insurance?

Explain it like I'm five

You enrol for a drawing competition. You pay a registration cost of ₹250. But the teacher tells you that this is just for enrolment, you need to pay an additional cost for colours, art board, pencils, brushes, etc. That stationery is consumables, and the additional cost you pay is your consumables cover.

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FAQs about Consumables Cover in Car Insurance

Manasvi Gupta

Written By

Manasvi Gupta

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Reviewed by:

Mayur Kacholiya