Are car consumables covered under motor insurance?

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Motor Insurance
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Are car consumables covered under motor
insurance?
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Consumables fall into two categories. They can be
anything that your car consumes (hence the name),
such as coolant, brake oil, engine oil, grease,
lubricants, so on and so forth. And consumables
could also refer to parts in your car that have
to be replaced regularly such as air filters, oil
filters, nuts, bolts, screws, ball bearings,
washers, etc.
Car insurance does not cover the replacement of
such parts.
Even if you have comprehensive car insurance, the
policy will not cover the replacement cost of any
consumables. Therefore, in case of a claim, you
would have to pay for these parts materials
yourself. They might seem like small expenses
but, add them up and you could be looking a
sizeable amount. Moreover, having to pay for such
elements despite having comprehensive car
insurance can be annoying.
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The solution is the consumables cover add-on.
As you know, car insurance comes with a number of
add-on features you can purchase to increase the
protection of your policy. One of these features
is the consumables cover. Choose to include this
add-on to your motor insurance policy and the
replacement cost of all consumable will be borne
by the insurance provider. Sure, it will cost you
to purchase the add-on and include it in your
policy. However, you need to know that the
premium amount for the add-on will be next to
nothing when compared the cost of replacing the
consumables out of your own pocket.
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Who should buy the consumables cover add-on?
The consumable cover add-on is better suited for
certain car owners. To begin with, anyone who is
not keen on paying the replacement cost of these
minor but numerous elements should definitely
invest in this add-on. On the other hand, anyone
with a car older than 60 months should not
consider this add-on as most motor insurance
companies will only provide the add-on for cars
below 5 years of age.
The consumable cover is only applicable to claims.
Consumables arent covered under warranty as
well. This is why you have to pay for them out of
your own pocket on normal services. Keeping this
in mind, some individuals buy the add-on thinking
that it will cover the cost of replacement in
such scenarios. However, the add-on can be
claimed in case of an accident or other such
situations covered under your car insurance
policy.
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Conclusion.
Your car insurance policy does not cover
consumables and leaves you to pay for their
replacement. However, if you do not wish to do
so, you can choose the buy the consumables cover
add-on. It will offer to bear the cost of all
consumables in case of a claim. The entire list
of consumables is very long but the add-on will
cover them all including AC Gas, Gearbox Oil,
Brake Oil, Engine Oil, Coolant, Air Filters, Oil
Filters, Nuts, Bolts, Screws, etc. Hope this has
been helpful and gives you a better idea of
consumables cover in car insurance. Good luck and
all the best, drive safe!
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