What are Consumables in Car Insurance

What are consumables in a car?

Consumables items in a car are those items that require regular replacement because of continuous wear and tear. You can also define consumables as commodities that have a specific time and use. You won't be able to re-use such a product in the future once it has served its purpose. Let’s see what items in your car qualify as consumables. Several commodities in your car serve a specific purpose and are consumed as the vehicle ages, or turn unusable with incidental dismantling. Some of the examples of consumables in cars include:

• Engine oil
• Brake oil
• Lubricants
• AC refrigerant
• Grease
• Ball bearings
• Screw
• Nuts
• Bolts
• Washers

The list can go on and on. Overall, the consumables may look insignificant, but they play a crucial role in the functioning of your car.

Are consumables covered under the car insurance policy?

No, the comprehensive car insurance policy does not cover the cost of consumables. At the time of claims, consumables such as nuts, oil, and bolts are not covered under the car insurance policy. If you want to protect your consumables, then you need to buy a separate add-on cover in addition to your regular car insurance policy.

What consumable things are not covered under the car insurance policy?

Your comprehensive car insurance policy does not compensate for the cost of the consumables, so you have to pay for the same from your pocket. Consumable things that are not covered under the car insurance policy includes screw, nut, bolt, washer, lubricant, grease, clips, distilled water, A/C gas, bearings, oil filter, engine oil, brake oil, fuel filter, and other related parts. Consumables cover in car insurance will take care of these valuable items. You can purchase a consumable cover as an add-on arrangement to your car insurance policy.

How consumable Add-on cover is worth to buy?

The consumables in car insurance are those items that are continuously consumed by the car during its life or rendered unfit for further consumption upon dismantling. These consumable items are subject to constant wear and tear. This add-on cover compensates the cost of replacing the following consumable items:

This consumable add-on policy covers every consumable item of similar nature except fuel.

Eligibility criteria to get a consumable car insurance add-on

The consumables cover in your car insurance policy depends on your car’s model because the components in cars vary from vehicle to vehicle. Although, given below is the eligibility criteria to get a consumable car insurance add-on:

What documents are required to get consumable car insurance?

Your car insurance provider would have your current policy and car details. To expedite the claim settlement, you must provide the following documents:

If you repair your car at a local garage, or without informing the car insurance company beforehand, it could cause your car insurance claim to be invalid.