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Comprehensive Car Insurances do not generally cover consumables such as bolts, nuts, lubricants, bearing etc., even though they are prone to wear and tear due to regular use. The Consumables Cover in Car Insurance helps cover the cost of repairs of components that require frequent maintenance. Expenditures on such components can add up to a large amount over time which is where the Consumables Cover in Car Insurance comes in handy.  

The Consumables Cover in Car Insurance is an add-on cover that will help save up costs in the long run. It is cost-efficient and helps enhance your pre-existing Car Insurance coverage.  

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Consumables Cover in Car Insurance

Consumables cover is an add-on that you can choose to opt for in a comprehensive car insurance plan. Here, consumables are components that undergo frequent wear and tear and need to be replaced from time to time. Some common consumables used in your four-wheeler are nuts, bolts, engine oil, lubricants, oil filters, grease, etc. Usually, the expenses of replacing or repairing such components are not covered under your insurance plan. With consumables cover, you can secure such costs that can add up in the future. However, you must note that the consumables add-on does not cover the cost of fuel required by your vehicle.

What’s Covered Under Consumables Add-on Cover?

Here are some car components that are covered under the consumables add-on cover in car insurance:

  • Engine oil

  • Oil filter

  • Gearbox lubricant

  • Screws

  • Distilled water

  • Lubricants

  • Grease

  • Power steering oil

  • Bearing

  • Washers

  • Radiator coolant

  • Nuts

  • Bolts

  • Gas for the air conditioner

Does Consumables Cover Cost Extra?

The consumables add-on cover in car insurance needs to be purchased separately and isn’t included under your car insurance policy. Such a cover is available at a nominal premium rate which isn’t comparable to the amount you shall end up saving! However, the consumables cover price may vary for car models and differ from one insurer to another.

How to Buy Consumables Cover in Car Insurance

Follow this step-by-step guide to purchase a consumables cover with your comprehensive car insurance policy:

Step 1: Go to the ‘car insurance premium calculator’ page on Bajaj MARKETS.

Step 2: Enter your vehicle details such as the car number, vehicle type, make and model, fuel type, etc. and proceed.

Step 3: Select the plan type as ‘comprehensive car insurance’ and choose the ‘consumables cover’ under the add-on cover option.

Step 4: Check other insurance details such as the Insured Declared Value, NCB reward, etc.

Step 5: Select a suitable car insurance plan from the various policies available.

Step 6: Review the policy terms and coverage.

Step 7: Pay the premium online.

Your car insurance plan with the consumables cover shall be issued soon!

Read More: Comprehensive Car Insurance

Benefits of Consumables Add-on Cover

Let’s go through the advantages of opting for consumables cover in a car insurance policy:

  • Enhances Your Coverage

As we mentioned before, the cost of replacing consumables is not covered under your insurance policy. By purchasing such an add-on cover, you can enhance the coverage to avail more features with your existing plan!

  • Cost-Effective Premium

The consumables cover in motor insurance is cost-effective and doesn’t lead to a hefty premium quote.

  • Helps Save Money

Imagine the money you would save in the long term that would be spent on replacing or repairing consumables without the add-on cover!

How to File a Claim Under Consumables Add-on Cover

Notifying your insurance provider in the event of a claim is crucial to avoid claim rejections! Here’s how you can easily file a cashless and a reimbursement insurance claim under consumables cover:

  • Cashless Claim

Inform your insurance provider regarding the claim at the earliest. You can take your four-wheeler to a network garage associated with your insurer. After inspecting the repair or service requirement and receiving approval from the insurer, the garage will begin working. The repair cost will be directly settled by the insurance company.

  • Reimbursement Claim

You can get your vehicle serviced or repaired at a garage of your choice. Pay the expenses incurred and submit the original bills and receipts to the insurer. After verifying the claim details, the insurance provider shall reimburse the expenses. However, you must inform the insurer regarding the claim before getting your car repaired.

Read More: Car Insurance Claim Process


The consumables cover in motor insurance is crucial to cover specific parts of your car that are otherwise not covered under a comprehensive insurance plan. To avoid additional costs while having insurance coverage, you can opt for the consumables add-on cover to maximise protection! So, if you are an owner-driver, ensure that you secure your precious car with comprehensive car insurance instead of continuing with a basic cover. Browse through the offerings available on Bajaj MARKETS and enjoy a lucrative premium quote that’s budget-friendly!

Check Out the Motor Insurance Plans Available at Bajaj MARKETS


FAQs on Consumable Cover in Car Insurance

  • ✔️What is the meaning of consumables cover in car insurance?

    A consumables cover in car insurance secures the expenses incurred for replacing certain parts of your vehicle termed as consumables. Common examples of consumables are power steering oil, grease, nuts, bolts, etc.

  • ✔️Are the gasoline expenses incurred during car repair included in the consumables cover in motor insurance?

    No, fuel costs are not covered in car insurance consumables cover.

  • ✔️Where can I obtain a list of the inclusions of the consumables cover?

    You can get a list of what’s covered under the consumables cover in your car insurance policy. You can also contact your insurance provider for further queries regarding the inclusions of the add-on cover.

  • ✔️Is it possible to purchase consumables cover in a car insurance policy through online mode?

    Yes. This add-on cover can be purchased both online and offline but the availability may differ based on the insurance company.


  • ✔️My car is one year old. Is the consumables cover a useful add-on for me?

    Yes. Owner-drivers who have a car that is less than five years old can enjoy the perks of a consumables cover!

  • ✔️Is the consumables cover going to cover the expense of replacing nuts and bolts?

    Yes, the cost of replacing or repairing the nuts and bolts of your insured vehicle is covered under the consumables cover.

  • ✔️How would the consumables cover in motor insurance help me save money if I have to pay more for it?

    If you purchase a consumables cover, you will pay a small fee to obtain the coverage. But if your car needs repairs, you will not have to pay the cost of the consumables used to fix your vehicle. With the help of this add-on, you can save money on repair costs that can add up in the future.

  • ✔️Can I opt for a consumables cover with my third-party car insurance plan?

    No. Add-on covers are only available with comprehensive car insurance plans and thus, you cannot opt for consumables cover with third-party liability cover.



  • ✔️What are the exclusions of the car insurance consumables cover?

    The below-mentioned aspects are not covered under consumables cover in a car insurance policy:


    • Any damage incurred while driving under the influence or without a valid licence

    • Loss resulting from using a private vehicle for commercial purposes

    • Natural wear or tear and depreciation

    • Failing to inform the insurer about the claim in time

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