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Consumables Cover in Car Insurance

When your car is damaged in an accident, repair costs can add up quickly. Beyond the major components, smaller items such as engine oil, nuts, bolts, and brake fluid also require replacement. Most standard car insurance policies don't cover these everyday items, leaving you to pay out of pocket. These are called consumables.

And that is where a consumables cover becomes essential. This car insurance add-on ensures you don't face unexpected expenses for these smaller but necessary components. It reimburses you for the cost of replacing consumable items during accident repairs.

When you purchase this cover from IndusInd General Insurance, all expenses related to consumables become part of your claim settlement. Instead of paying thousands separately for engine oil, bolts, brake fluid, and other items, your insurance covers these costs. It works alongside your comprehensive policy to ensure complete protection without any out-of-pocket surprises.

With IndusInd General Insurance (formerly Reliance General Insurance), you get complete financial protection during repairs, making your claim settlement truly comprehensive and covering all repair costs.

What are Consumables in Car Insurance?

Consumables in car insurance are items in your vehicle that get used up over time and need regular replacement. These include engine oil, brake oil, nuts, bolts, washers, grease, oil filters, gearbox oil, air conditioner gas, fuel filters and similar components.

During accidents or repairs, these items often need replenishing or replacing. While they might seem small individually, their costs can quickly add up to a significant amount. Standard policies typically don't cover these expenses, which means you'd have to pay for them separately during claim settlement.

Benefits of IndusInd Consumables Cover Add-on

Complete Coverage of All Consumable Items

Our car insurance consumables cover includes engine oil, gearbox oil, lubricants, nuts, bolts, screws, washers, brake oil, fuel filters, air conditioner gas, oil filters, bearings, clips and distilled water. Basically, every consumable item needed during your car's repair gets covered under this add-on.

No Additional Payment During Repairs

When you have our consumables cover in car insurance, you won't pay anything extra during repairs. We cover the complete cost of all consumable items as part of your claim settlement. Your only responsibility is paying the standard deductible amount mentioned in your policy document.

Works with Own Damage and Comprehensive Plans

You can add this cover to both our Own Damage and Comprehensive Car Insurance policies. Whether you're buying new insurance or renewing your existing policy, adding consumables cover takes just a few minutes. It integrates smoothly with whichever plan you choose.

Quick and Straightforward Claim Process

Filing claims is easy with cashless or reimbursement options at our authorised garages. Simply inform us when registering your accident claim. Our surveyor will check all damages, including consumables expenses in car insurance. We verify everything and process your settlement quickly without complicated procedures or lengthy documentation.

Low Premium for High Coverage Value

The additional premium for this add-on is minimal compared to the protection it provides. For a small yearly cost, you get coverage worth thousands in potential consumable expenses. It is one of the smartest ways to upgrade your car insurance at minimal cost.

Protects You from Hidden Repair Costs

Many car owners are surprised when they have to pay extra for consumables during repairs. With this cover, you know exactly what to expect. There are no surprise bills or additional payments. Everything gets covered under your insurance claim amount.

IndusInd Consumable Cover in Car Insurance - Inclusions

What is Covers?

Engine Lubricants: Engine oil, gearbox oil and all types of lubricants used during repair work are covered.

Brake Components: Brake oil, brake fluid and related consumable items required for your braking system's proper functioning.

Filters and Gas: Oil filters, fuel filters, air conditioner gas and distilled water are needed during the repair process.

Fasteners and Clips: Nuts, bolts, screws, washers, clips and bearings that get replaced during accident-related repair work.

Grease and Coolants: Grease, coolants and other fluids, excluding fuel that mechanics use while fixing your damaged vehicle.

What it Does Not Cover?

Unrelated Consumables: Items not connected to your accident claim or damage won't be covered under this add-on.

Invalid Claims: If your own damage claim gets rejected, consumable expenses won't be covered either under the policy.

Illegal Driving: Claims from law violations are completely excluded.

Regular Maintenance: Routine servicing, maintenance work or wear and tear replacements don't qualify.

Disclaimer: Please check the official policy documents for detailed information about inclusions and exclusions under your plan.

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Who Should Buy the Consumables Cover?

Owners of New & Expensive Cars

If you own a premium or new car, repair costs, including consumables, in car insurance can be quite high. Engine oil, filters, and fluids for luxury vehicles are expensive. This add-on protects you from paying these substantial costs yourself.

Frequent Long-Distance Drivers

People who drive long distances regularly face higher accident risks on highways and unfamiliar roads. More driving means more chances of needing repairs. Consumables cover in car insurance ensures you're financially protected whenever repairs become necessary during your travels.

Budget-Conscious Car Owners

If you prefer avoiding unexpected expenses, this add-on is perfect for you. Even small consumable costs add up to thousands during repairs. With car insurance consumables cover, you can budget better and avoid dipping into savings for repair expenses.

Those Seeking Complete Protection

Some car owners want their insurance to cover absolutely everything during repairs. If you don't want to pay even small amounts out-of-pocket, adding consumables cover makes sense. It completes your insurance coverage entirely.

How to Buy Car Insurance with Consumables Cover?

Enter your details in the form above or use the calculator below to check pricing.

Fill in your car's registration number, mobile number, and email ID in the form.

Choose between Own Damage or Comprehensive Car Insurance based on your coverage requirements and preferences.

Select the consumables cover add-on option from the available add-ons list during plan customisation.

Review your premium breakdown, make the payment online, and receive your policy document immediately.

How to File a Consumables Cover Claim?

Cashless Claim

Call our helpline at 022-48903009 or use the IndusInd Insurance app immediately after the accident.

Drive or tow your car to any network garage. Use the garage locator below to find your nearest garage.

Provide your policy documents, driving license, RC, and other papers to the garage surveyor.

Our surveyor will inspect the damage and approve the repairs.

We settle bills directly with the garage, including consumables costs. You pay only your policy deductible.

Reimbursement Claim

Call 022-48903009 to register your claim and inform us that you're choosing the reimbursement claim.

Take your car to any authorised garage, get all repairs completed, and pay the bills yourself.

Keep original bills, repair receipts, and invoices for all work, including consumables, in the car insurance.

Fill the claim form and submit it with all bills, policy copy, license, and RC.

After verification, we'll reimburse the approved claim amount, including consumables cover, directly to your account.

Key Takeaways

Consumables in car insurance are small but important items like engine oil, brake fluid, nuts and bolts that standard policies don't cover. During accident repairs, these costs can easily reach thousands, which you have to pay yourself. That is why consumables cover in car insurance is necessary for complete protection.

IndusInd General Insurance (formerly Reliance General Insurance) consumables cover add-on solves this problem by covering all these expenses as part of your claim settlement.

You won't pay any additional costs during repairs, except your standard deductible. We offer both cashless and reimbursement options at our authorised 11,000+ garages across India. Our claim process is quick and simple with the IndusInd Insurance app. With our consumables cover, your car insurance covers everything from small to major repair costs.

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4.8 ★ ★ ★ ★ ★ (2105)

Roshan Jha

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Seamless digital experience

Quick and easy! The policy details were clearly mentioned, making it simple to choose the right one.

Suman

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Limited policy options

A fair and simple process. The Car insurance covers the basics well.

Aniket

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The best insurance experience I've had! Simple, affordable, and reliable. Highly satisfied with my Car policy.

Balasaheb Babu Rao Deosarkar

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4.5

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My experience of getting my car insurance was easy and straightforward. I am satisfied with the policy and don't see a need for extras.

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Purchcasing my Car felt effortless and user-friendly. I am satisfied with the main policy and don't see a need for extras.

Debashish Sen

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The journey of purchasing Car insurance felt effortless and user-friendly. I am satisfied with the main policy and don't see a need for extras.

Rupak Das

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From start to finish, the process of getting my Car insurance from Reliance (now IndusInd) was convenient. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Prasen Jitpal

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I recently purchased my Car insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Sankuratri Venkata Bulli Rani

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The journey of purchasing Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

Manthenaravi Teja Varma

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Quick policy issuance

Buying a Car policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons. I'm happy with how everything went and feel secure with my policy.

Karem Raja Rao

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The journey of purchasing Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. I am satisfied with the main policy and don't see a need for extras.

Nekkalapu Vijaya Lakshmi

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Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Gunnampurna Chandrasekhar

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Quick policy issuance

From start to finish, the process of getting my Car insurance from Reliance General Insurance (now IndusInd General Insurance) was convenient. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Vendrabala Nageswara Rao

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I had a positive overall experience while applying for Car insurance from Reliance (now IndusInd) . It met my requirements well and felt tailored to my needs. I did not feel the need for any other products at this time. I found the entire process trustworthy and efficient.

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From start to finish, the process of getting my Car insurance from Reliance General Insurance (now IndusInd General Insurance) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Narendra Kumardevaneni

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I was impressed by the overall Reliance Insurance (now IndusInd Insurance) experience. The platform was intuitive, and the coverage felt like a perfect fit. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

Sobhit Gupta

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I recently purchased my Car insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.

Ritesh Gupta

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I had a positive overall experience while applying for Car insurance with Reliance General Insurance (now IndusInd General Insurance) . I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time. The convenience and clarity made this a good experience.

Nishida Noonhampurath

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The journey of purchasing car insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

Sushil Madhukar Raosapkal

Washim

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Buying a Car policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs. I'm happy with how everything went and feel secure with my policy.

Gaddam Keerthi

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Quick policy issuance

I recently purchased my Car insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons. The process felt reliable and I would recommend it to others.

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Quick policy issuance

Buying a car policy through the platform was straightforward and quick. The coverage provided matches my expectations and feels comprehensive.

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Quick policy issuance

The journey of purchasing car insurance from Reliance (now IndusInd) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons.

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Quick policy issuance

The journey of purchasing Car insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.

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Seamless digital experience

The journey of purchasing Car insurance felt effortless and user-friendly. The product details, coverage and offerings do not match my needs currently.

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I had a positive overall experience while applying for Car insurance. It aligns well with what I needed from an insurance policy.

Harikrishna Kavati

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Buying a Car policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. Overall, it was a seamless experience and I am satisfied.

Asra Parveen

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From start to finish, the process of getting my Car insurance from Reliance (now IndusInd) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I'm happy with how everything went and feel secure with my policy.

Veldandi Satish

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Quick policy issuance

The journey of purchasing Car insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. The process felt reliable and I would recommend it to others.

Mugala Manohar

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From start to finish, the process of getting my Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.

Mutika Raju

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Buying a Car policy through the platform was straightforward and quick. I felt that my protection needs were well addressed with this policy.

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Quick policy issuance

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I recently purchased my Car insurance and found the experience to be fine.

M Sainivas

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The car insurance process was efficient and well-supported. I felt like I was making a smart, informed choice.

Nagireddi Madhukishor

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I had a positive overall Reliance (now IndusInd) experience while applying for Car insurance. The plan offered exactly the type of coverage I was expecting. I did not feel the need for any other products at this time. Overall, it was a seamless experience and I am satisfied.

Dadi Venkatagiri Babu

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Shashidhar Guntha

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Devarasetti Uma Manoj

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4.5

Seamless digital experience

I found the insurance experience to be well-paced and user-friendly. The policy I selected felt comprehensive and relevant.

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I had a positive overall experience while applying for Car insurance with Reliance General Insurance (now IndusInd General Insurance) . I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

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Frequently Asked Questions (FAQs)

Is consumables cover mandatory?

No, consumable cover in car insurance is not mandatory. It's an optional add-on that you can choose to purchase along with your comprehensive or own damage policy. While not compulsory, it's highly recommended because standard policies don't cover consumable expenses in car insurance, leaving you to pay these costs yourself during repairs.

Is consumable cover worth it?

Yes, consumable cover in car insurance is definitely worth it. The add-on premium is normally just a small proportion of your premium. When it comes to car insurance, the consumable charges that arise during accident repairs might easily cost anywhere from ₹5,000 to ₹10,000 or even more.

Can a consumable cover be purchased with a third-party car policy?

No, consumable cover in car insurance applies only to the own damage component and is not available with third-party car insurance.

What are examples of car consumables?

Common consumables in car insurance include engine oil, gearbox oil, brake oil, lubricants, nuts, bolts, screws, washers, clips, bearings, grease, oil filters, fuel filters, air conditioner gas and distilled water. These are items that get used up or replaced during repairs and regular maintenance of your vehicle.

What is the difference between Zero depreciation and consumable cover in car insurance?

Zero depreciation cover removes depreciation on major car parts like bumpers and headlights, giving you full replacement value. Consumable cover in car insurance pays for small items like engine oil, nuts, bolts and filters that standard policies exclude. Both are different add-ons covering separate expenses. Together, they provide complete protection during repairs.