Motor InsuranceCar InsuranceConsumables Cover Add On

Consumables cover in car insurance

Extend your protection beyond basics with the Consumables Cover Add-on

Consumables cover in car insurance
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6500+

6500+

Cashless garages

Jet-speed

Jet-speed

claims

Upto

Upto

50% No Claim Bonus

24/7

24/7

Around the clock assistance

Note: The above data is till 1st April, 2025

Steps to buy Insurance online from Zurich Kotak General Insurance

1

Click on the "Get a Car Insurance Quote" button on the Zurich Kotak Car Insurance Page

2

Fill in your car details such as registration number, model, make etc.

3

Fill in you personal details and make the payment online.

How to file a claim for Consumables Cover in car insurance at Zurich Kotak

1
Call us on 1800-2120 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
2
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
3
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
4
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
5
On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.
6
You will only be required to pay the deductible as mentioned in the policy, and the depreciation value, salvage, etc., as informed by the surveyor.

Cashless garages near you

Buying a car insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Zurich Kotak General Insurance without the need for upfront payment.

Benefits of having consumables cover

The consumables add-on in car insurance covers the cost of replacing consumable items damaged during accidents.

●      Covers items such as engine oil, nuts, bolts, coolant, and brake oil.

●      Reduces your out-of-pocket repair expenses.

●      Ensures quick and hassle-free claim settlement for consumables.

●      Ideal for efficiently maintaining premium and luxury vehicles.

●      Offers complete peace of mind knowing every component is protected.

With Zurich Kotak General Insurance, you simply provide the required documents or invoices, and the cost of consumables replaced during vehicle repairs will be reimbursed.

Who should opt for consumables cover?

Consumables cover in car insurance is beneficial for anyone who wants to have comprehensive coverage . It may be particularly useful for

  • High mileage drivers

    If you frequently drive long distances, your vehicle's consumables such as engine oil, coolant and filters may need to be replaced more often.

  • Owners of expensive or luxury vehicles

    Consumables cover, ensures that these consumable items are covered in case of damage or use, reducing the financial impact of maintaining luxury vehicles.

  • Vehicle enthusiasts

    If you own classic, vintage or speciality cars that may have unique consumable needs, adding the consumables cover can provide the necessary protection.

  • Individuals in areas with harsh driving conditions

    Consumables cover can offer protection in the likelihood of consumable items damage or depletion is higher if you regularly drive in extreme weather conditions, off-road or in areas with rough terrain.

How to buy a consumable cover add-on in car insurance?

Buying the consumable cover add-on with Zurich Kotak General Insurance is simple:

  1. Visit the Zurich Kotak General Insurance car insurance page.

  2. Enter your car details and select a comprehensive car insurance plan.

  3. Choose Consumables Cover from the list of add-ons.

  4. Review the premium quote and complete the payment securely online.

Once added, the consumables cover will be included in your policy document, offering extra protection against minor yet costly repair items. 

Things to remember if you get consumable cover add-on in car insurance

Before buying a consumables add-on in car insurance, keep these points in mind:

●      It is available only with a comprehensive car insurance policy.

●      The add-on applies to vehicles up to a specific age limit (usually five years).

●      Claims are valid only when consumables are replaced as a result of an insured event.

●      Maintain proper bills and service invoices for smooth claim processing.

●      Verify that your repairs are carried out at an authorised workshop.

By adding this cover to your Zurich Kotak policy, you ensure complete protection against every minor repair expense.

FAQs Consumables cover add-on

Questions you may have about Zurich Kotak General Insurance

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.

Consumables cover add-on helps save money on small but frequent repairs that include. These include crucial car parts like bolts, nuts AC coolant, ball-bearings, grease etc. Since consumables are not covered by a standard comprehensive car insurance policy, an add-on needs to be purchased at an additional cost.

Generally, insurance companies do not cover consumables in their health insurance policy because this may result in paying a higher claim amount. This is because consumable items such as gloves, gowns, hair caps, and others are used only once by the surgeons throughout the hospitalization of the policyholder

Consumables are part of the Core budget because these are everyday products and devices that you might need because of your support needs, for example, continence products, wound care or even low-cost assistive technology.

The worthiness of consumables cover add-ons depends on individual circumstances and needs. If you frequently drive, own a vehicle with higher consumable usage or want comprehensive coverage, adding this cover can be beneficial.

Cost of consumable means the cost of food, beverages, preparation, catering or entertainment furnished at an event.

Consumables refer to items that are regularly used or replaced in a car's maintenance, such as engine oil, coolant, brake fluid, filters, and other similar components.

Consumables cover add-on includes coverage for the expenses incurred in replacing or replenishing consumable items that are damaged or used during an accident.

To add consumables cover, you need to contact Zurich Kotak General Insurance and inquire about the availability of this add-on. We will guide you through the process and provide you with information on the coverage details and premium costs. You can then choose to add it to your policy if it suits your needs.

In the event of an accident or covered event that leads to the damage or depletion of consumables, you will need to file a claim with Zurich Kotak General Insurance.