Currently the video chat timings are 9:30am to 6:30pm from Monday to Saturday.
Call us now to secure insurance coverage for health, motor, and more. Timing: 10:00 a.m. to 07:00 p.m. every day.
Chat with us on our WhatsApp number
Find quick answers to all your insurance queries from our self-help section.
Call us for any help with renewals or claims. Timing: 09:00 a.m. to 07:00 p.m. every day.
Join India’s leading general insurance company. Timing 09:30 a.m. to 06:30 p.m. Monday-Saturday.
Switch to Reliance Car Insurance. Trusted by 5 Crore+ Indians.
Sent to Edit
Resend OTP in 60 Seconds
Our Insurance Expert will contact you to provide you further details.
Several items in your car need replacing on a regular basis because of natural wear and tear. They are used up or replaced during regular maintenance or repair of your car. Some common items are consumables, such as engine oil, brake oil, fuel filters and washers.In the event of an accident, the cost of replacing the consumables is not included as part of the standard car insurance policies, including comprehensive car insurance plans. So, you may have to pay for these expenses out of pocket to complete the formalities.
Although these items seem to be minor components, their total loss can lead to substantial costs, especially during extensive repairs.This is where consumables cover in car insurance helps. It is an optional cover available at an additional premium that covers the cost of consumables in car insurance!Let's delve into understanding consumables cover in car insurance - its meaning, importance and benefits. So, let's start right away.
Consumable cover in car insurance is an add-on option that covers the cost of repairing or replacing consumable items in the event of an accident. Consumables in car insurance include engine oil, nuts, bolts, washers and brake fluid.Standard car insurance policies usually do not cover these smaller expenses, which can accumulate significantly after a claim. By opting for a consumable cover with Reliance car insurance, you ensure that these costs are covered, providing more comprehensive protection.
Note: For a full list of inclusions, please read the Policy Wordings.
Let us consider a simple example to comprehend how the consumable cover in car insurance works. Ms. Savita owns a Hyundai Creta car insured with a Reliance car insurance policy.She had a massive accident, and her car required a total of ₹85,000. This includes ₹75,000 for repairing major parts and another ₹10,000 for replacing consumables.Without consumable cover in car insurance, she will have to bear the expenses out-of-pocket for consumables above the standard deductibles. However, with consumable cover in car insurance, she will have to pay only the deductible amount as mentioned in the policy.For instance, if the standard deductible is ₹5,000, she can benefit from the claim for ₹80,000, which includes the cost of consumables of ₹10,000.At Reliance General Insurance, we offer a consumables add-on cover with our Own Damage and Comprehensive Car Insurance plans. It covers expenses for small yet essential components that could significantly increase your repair bill. This ensures peace of mind by covering even small expenses tailored to your preferences.
With our consumable cover in car insurance, you can receive coverage for the cost of replacing or replenishing essential consumables.Here are some key considerations for inclusions in a consumable cover in car insurance:
Please note: Standard deductibles of the car insurance policy shall apply to this consumable expenses cover.
The consumable cover in car insurance is applicable to only the admissible claim under the own damage component of the policy, subject to the following exclusions:
Note: For a full list of exclusions, please read the Policy Wordings.
In the event of an accident, our consumable cover in car insurance will help you pay for the applicable expenses, which you would otherwise have to pay out-of-pocket, thus reducing your financial burden and preserving your savings.
It serves as an additional layer of financial protection beyond the standard car insurance policy, ensuring that all minor yet essential costs are covered.
You can travel with peace of mind knowing that your car insurance policy covers all expenses.
Also Read: Types of Car Insurance Coverages
As mentioned earlier, the cover is available as an add-on. That means you can get the cover along with a standard policy. When you are purchasing Own Damage Car Insurance or Comprehensive Car Insurance, you can opt for the consumable expenses cover using the following steps:
The benefits applicable to the consumable cover can be claimed in a few simple steps.
In case of cashless claims, you can take your car to any of our authorised network of garages for repair. We will settle the bills directly with the garage to the applicable claim amount payable.
In case of reimbursement claims, you can take your car to any authorised garage of your choice and pay the applicable charges. You can submit the bills later with the claim form, and we will compensate you for the amount payable.
Also Read: List of Documents Required for Motor Insurance Claims
If you want to ensure comprehensive protection for your car against all repair-related expenses, you should buy a consumable cover in car insurance.
If you want to cover even minor repair costs and minimise out-of-pocket expenses, a consumables cover is a wise choice.
No, the consumable cover in car insurance does not cover the cost of replacing or repairing consumables due to general wear and tear.
Yes, it is beneficial to add consumables to your car insurance, as it covers costs for essential fluids like engine oil and brake oil and components such as fuel filters and reduces out-of-pocket expenses.
Yes, consumable cover in car insurance can be purchased and included when purchasing or renewing the policy online.
No, consumable cover in car insurance applies only to the own damage component and is not available with third-party car insurance.
Although extra money is spent on purchasing it, the consumable cover in car insurance pays for the essential fluids and components, avoiding higher out-of-pocket expenses in the event of a major accident.
Disclaimer: T&C apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. Details mentioned here are for Consumables Expenses (Private Car), UIN: IRDAN103RP0010V02100001/A0007V02201314; Consumable Expenses for Private Car- Bundled, UIN: IRDAN103RP0007V01201819/A0027V02201819; Consumables for Private Car for Motor Secure Plus and Motor Secure Premium- Own Damage, UIN: IRDAN103RP0001V01201920/A0005V01201920.
Thanks for the information. Our Customer Care will get back to you.