Consumables Cover in Car Insurance

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Consumables Cover in Car Insurance

As per the MV Act or Motor Vehicles Act of 1988, every car owner in India must procure a car insurance policy. After the latest amendment in the Act in 2019, if someone is caught driving an uninsured vehicle in India, he or she may have to pay a penalty of ₹2,000 or face imprisonment of up to three months or both.

That is why getting insurance for your car is very crucial. A comprehensive car insurance policy does not only protect you from incurring unforeseen third-party liabilities in the event of an accident involving your car but also saves your car from unexpected theft or damages.

However, when you go out to buy a four-wheeler insurance policy, there are several choices that you need to make. For example, if you buy insurance for your car from Tata AIG, you can choose between a third-party car insurance policy or a comprehensive car insurance policy. Moreover, you can calculate the premium using our car insurance calculator.

What Does a Car Insurance Policy Cover?

A third-party car insurance policy covers only the third-party liabilities that you may incur in the case of an accident involving your car. If your car inflicts property damages or bodily injuries to a third party during an accident, you might have to pay compensation to the affected party. However, if you have a third-party car insurance policy, your insurer will pay this compensation on your behalf.

On the other hand, a comprehensive car insurance policy covers the following mishaps:

  • Everything covered by a third-party policy

  • Theft or vandalism of your car

  • Unforeseen damage to your car due to a natural disaster, such as an earthquake, tsunami, storm, lightning, flood, etc.

  • Damage caused due to a man-made disaster, such as road accident, fire, riot, burglary, etc.

  • Personal injuries to the driver or occupants of the car

What About The Consumables Coverage?

Many people think that if they have a comprehensive car insurance policy, they are protected against all types of unforeseen expenses related to their car. However, that’s a half-truth. Strictly speaking, a comprehensive policy covers the mandatory third-party liabilities as well as any damages to the insured car, but it does not cover the consumable expenses.

So, what are consumables in car insurance?

If you’re hearing this word for the first time, let us clear the clouds around it. 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. And when your four-wheeler insurance covers the expenses for such consumables, it is called covering consumables in car insurance.

How to Get Coverage for Consumables?

As we have mentioned earlier, even a comprehensive car insurance policy does not provide coverage for consumables. But these consumables need to be replaced at regular intervals, and you might incur several thousands of rupees in doing so. So, the question that arises is how can you get the coverage for consumables in your car insurance policy?

A simple answer to this question is buying a consumables cover. Although the consumables cover is not available as a standalone policy, you may buy it as an add-on cover with your regular car insurance policy. However, just like with other add-on covers, you may have to pay an extra premium over your car insurance premium to attach consumables cover add-on with your base policy.

The exact amount that you need to pay for your consumables cover may vary from insurer to insurer. So, you need to confirm this with your car insurance provider before moving ahead.

What are the Inclusions of a Consumables Cover?

By attaching the consumables cover add-on with your base policy, you can get coverage for replacing the parts or items that get damaged due to regular wear and tear. These items are constantly consumed by the car and become unfit for further use after a specific period.

The consumables in car insurance usually cover the expenses for replacing the consumable items mentioned in this consumables items list:

  • All types of lubricants, such as engine oil, brake oil, steering oil, coolant, etc.

  • AC gas or refrigerant used in your car.

  • All types of filters, such as dust filters, air filters, engine filters, etc.

  • Vital items such as bolts, nuts, washers, screws, grease, etc.

What are the Exclusions of Consumables Cover?

You need to remember that the consumables cover in car insurance cover only the consumable expenses and not the fuel or electricity expenses. Also, an insurer may deny the claim to cover consumables in any of the following scenarios:

  • The driver was driving the insured car without a valid driving licence

  • He or she was driving under the influence of drugs or alcohol

  • A private vehicle was being used for a commercial purpose

  • Delayed information to the insurance company about the replacement of consumable items

  • Electrical or mechanical breakdown of the insured car

  • Unnecessary replenishment of engine oil or other consumables

What are the Conditions You Need to Fulfil?

Just like with any other insurance, you need to fulfil certain conditions to become eligible for filing a claim under the consumables cover of your car insurance. These may include:

  • Your claim should be made under the “own damage” coverage of your comprehensive car insurance policy. It means that third-party damages are not eligible for claim under this add-on

  • You should repair or replace your damaged consumable items within three days of the accident. Your insurer might reject your claim if you file it after three days of the accident

  • This coverage is usually available for cars that are less than five-year-old. Cars older than five years are usually denied consumables cover in car insurance

How Does a Consumable Cover in Car Insurance Work?

Let’s understand the working of a consumable cover with the help of an example. Suppose you are going somewhere in your car. Suddenly, you meet with an accident, and your car suffers damage. The cost of repairing your car came out to be ₹15,000. Now, you filed a claim with your car insurance policy, and you got a reimbursement of only ₹13,000.

It’s because the remaining ₹2,000 were incurred for replacing or refilling consumable items, such as nuts, bolts, AC gas, engine oil, etc.

Now, in case you have a consumable cover in your car insurance policy, you wouldn’t need to spend anything out of your pocket. You will get the complete reimbursement of ₹15,000. You can also avail of a 100% cashless repair facility at a network garage.

What are the Documents Required for the Consumables Cover Claim?

When you file a claim on your car insurance policy with consumable cover, you need to furnish the following documents:

  • All receipts and repair bills

  • Driving licence

  • Car insurance document

  • Registration Certificate

If you don’t want any hassles, try to get your car repaired at a network garage. Even if you’re taking your car to a non-network garage, do inform the insurer in advance.

To Conclude

Even if it means an addition of a nominal amount to your car insurance premium, it’s prudent to buy a consumables cover in insurance. With Tata AIG, you can get the best four-wheeler insurance with consumable cover at very competitive premiums. So, compare plans, know the premium, and choose the right policy for yourself.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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The following are the documents you will require for the registration of a new vehicle: Forms 20, 21 and 34. A certified copy of the current motor insurance policy. A certified copy of address proof for the intended vehicle registration. Payment of applicable road tax. A valid fitness certificate. A PAN card or Form 60 & 61. Registration fee.

When do I need to renew my registration certificate?


The application for the renewal of a registration certificate needs to be made no more than 60 days before its expiry date.

Can the transfer of vehicle ownership be done online?


Yes, you can use the official portal of the Sarathi Parivahan website to initiate the process of transferring vehicle ownership online.