Consumables Cover in Motor Insurance:
Small Parts, Big Savings
When a car is damaged in an accident, most customers expect insurance to pay the entire repair bill. But during claims, they’re surprised to learn that consumables like engine oil, nuts, bolts, grease, brake oil, or AC gas are not covered under a standard policy. That’s where the Consumables Cover Add-On steps in.
🔎 What is Consumables Cover?
Consumables are single-use parts or materials required during repair or replacement of damaged components. They’re small, but their costs can quickly add up.
A Consumables Cover Add-On ensures that these expenses are covered by the insurer—so customers don’t have to pay out of pocket.
🛠️ What Does it Cover?
Nuts, bolts, washers, and screws
Grease and lubricants
Engine and gearbox oil
Brake oil, coolant
AC refrigerant gas
Other one-time consumables required for repair
👉 Essentially, anything that gets “used up” in repair work is covered under this add-on.
📊 Example: Why It Matters
Accident repair bill: ₹50,000
Standard insurance covers: ₹47,000
Consumables (oil, bolts, AC gas, lubricants): ₹3,000 (excluded)
Without Consumables Cover: Customer pays ₹3,000.
With Consumables Cover: Insurer pays full ₹50,000.
👉 Small add-on premium = Big savings + Happy customer.
❌ What It Doesn’t Cover
Normal wear and tear of consumables.
Top-up of oils or coolants during regular servicing.
Non-accident-related repairs.
💡 Who Should Opt for It?
New Car Owners – More likely to face higher workshop bills.
Luxury Car Owners – Consumables in high-end cars cost significantly more.
Frequent City Drivers – Higher chances of minor accidents.
Value-Sensitive Customers – Don’t like paying “hidden” expenses.
🎯 Sales Pitch for Agents
Ask: “Would you like your policy to cover even the smallest repair expenses, down to the last nut and bolt?”
Position as: Affordable upgrade that removes surprises during claims.
✅ Conclusion
The Consumables Cover Add-On may sound small, but it makes a big difference in customer satisfaction. By covering the little things that standard insurance misses, it delivers complete peace of mind.
👉 For agents, it’s an easy upsell: Low cost, high value, and strong customer appeal.