Consumables cover in car insurance
Extend your protection beyond basics with the Consumables Cover Add-on
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What are consumables in car insurance?
When your car goes in for repairs after an accident, you may not realise that some small parts and fluids used in the process are not covered by standard insurance. Items such as engine oil, brake fluid, nuts, bolts, and coolant are known as consumables in car insurance, and their replacement costs are often left for you to pay. This can come as an unexpected expense, especially when repair bills are already high. To avoid such situations, a consumables cover in car insurance offers a simple solution by covering these additional costs.
At Zurich Kotak General Insurance, the consumables add-on in car insurance can be easily included in your policy to provide complete protection. This cover pays for small but essential items used during car repairs, such as engine oil, nuts, bolts, and brake fluid, so you don’t have to pay for them yourself. With a quick claim process, clear settlements, and a wide network of authorised workshops, Zurich Kotak makes it simple to keep your consumables in car insurance policy efficient, reliable, and stress-free.
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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.
What is covered/not covered in consumable cover in car insurance?
Understanding what is covered and not covered under a consumable cover in car insurance helps you make informed decisions and ensures you know exactly when and how this add-on can support you during a claim.
What is Covered?
● Nuts, bolts, screws, and washers
● Clips and bearings
● Grease and lubricants
● Distilled water and brake oil
● Engine oil and fuel or oil filters
● Air-conditioning gas
What Is Not Covered?
The consumables add-on does not cover:
● Consumables for parts not approved for replacement
● Consequential losses of any type
● Total or constructive total loss of the vehicle
● Losses covered under other insurance, warranty, or recall campaigns
● Normal wear and tear or routine maintenance
● Claims reported after 30 days of the incident without a valid reason.
How to buy a consumable cover add-on in car insurance?
Buying the consumable cover add-on with Zurich Kotak General Insurance is simple:
Visit the Zurich Kotak General Insurance car insurance page.
Enter your car details and select a comprehensive car insurance plan.
Choose Consumables Cover from the list of add-ons.
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.
Steps to buy Insurance online from Zurich Kotak General Insurance
Hassle-free insurance at your fingertips with our easy and fast online process
Get All-round protection for your precious vehicle in a few steps. We at Zurich Kotak General Insurance understand the value of your time and have simplified the car insurance buying process to a few simple steps.
Click on the "Get a Car Insurance Quote" button on the Zurich Kotak Car Insurance Page
Fill in your car details such as registration number, model, make etc.
Fill in you personal details and make the payment online.
How to get an online quote
See how simple it is to get a quote with us
Visit Zurich Kotak General Insurance website
Log in to your Zurich Kotak General Insurance profile using the OTP sent to your mobile number
Fill in your details such as car registration number, mobile number and email id (optional).
Click on the "Get A Quick Quote" button on the Zurich Kotak Car Insurance Page and review coverage
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Click on the "Get a Car Insurance Quote" button on the Zurich Kotak Car Insurance Page
Fill in the required details such as registration number, model, make, etc.
Fill in you personal details and make the payment online.
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Steps to Renew Your Insurance Policy Online from Zurich Kotak General Insurance
Follow these quick steps to renew your insurance policy and keep your car protected always
Your car insurance is just a click away. Visit the Zurich Kotak Car Insurance page to get your car insurance quote.
Visit https:www.zurichkotak.com/renewal and choose the car insurance policy that you want to renew
Enter your policy number and mobile number and click on ‘Submit’.
Your policy number will be verified and you will be able to check the details of your existing policy. You can continue to renew renew the existing policy or make changes.Your policy number will be verified and you will be able to check the details of you
Pay the renewal premium and your policy will be done instantly!
How to file a claim for Consumables Cover in car insurance at Zurich Kotak
Filing a claim has never been this easy – we made sure of it
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
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.
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.
On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.
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.
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
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.
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.
The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.
Submit all bills, payment receipt along with your policy details to us, and we will make the payment within 7 working days of completion of the documentation
Documents Required for the Consumables Cover Claim
Get familiar with the documents needed for speedy claim process
Registration Certificate (RC) Copy
Policy Copy
Policy holder's valid ID proof
Drivers Driving license
FIR Copy (In case of theft and TP claim)
Duly filled Claim form
Any further requirements will be conveyed basis inspection
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FAQs Consumables cover add-on
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.