An exclusionary extended warranty – formally referred to as ”bumper-to-bumper” coverage by consumers and dealers – was essentially the best vehicle protection coverage money could buy.  It used to be thought that this level of coverage was only available through the manufacturer’s extended warranty. CARCHEX has Exclusionary Vehicle Protection Plans as well. This type of coverage covers practically anything that can go wrong with your car excluding a small list of parts consisting of but not limited to: Regular Maintenance, Cosmetic items, and Physical Damage.

What Does Exclusionary Mean?

Even the most complete extended vehicle protection plan does not cover absolutely everything, but exclusionary coverage comes pretty close. Exclusionary Coverage is the highest level of coverage that a vehicle qualifies for once it is outside the manufacturer’s coverage. This level of coverage will cover all components on the vehicle with some exceptions. For example, normal wear-and-tear items are not included which is the same for factory warranties. Things like wiper blades, tires, lights, and batteries are usually not covered under any warranty or service contract.

Furthermore, CARCHEX Extended Vehicle Protection Plans come with 24-hour roadside assistance, rental benefit, and trip interruption reimbursement. Get an extended vehicle protection plan quote now.

In general, exclusionary plans cover damage due to mechanical failure of the:

  • Engine
  • Transmission and transfer case
  • Differential assembly
  • Drive axle
  • Seals and gaskets
  • Steering
  • Electrical
  • Air conditioner
  • Brakes
  • Front and rear suspension
  • Fuel delivery system
  • Cooling system

The list is very complete and within each category there is an entire sub-list of covered components. The detail of engine coverage, for example, can contain 40 or more components that are covered in exclusionary extended warranties. In comparison, more basic coverage includes about 10-20 items under engine components.

Many Options And Variable Terms

The reality is that there are many choices when it comes to extended vehicle coverage plans. Logically, as coverage is expanded, cost goes up. Also, there are differences in the terms of the coverage. Finally, age and mileage of the vehicle determines eligibility for available plans. Contact CARCHEX now and find out what option best fits your needs.

Do I Really Need Exclusionary Coverage?

The level of coverage you need depends on different factors and your comfort level. If you do a lot of commuting or travelling by car, then a more complete plan is probably worth it. Also, a person who likes the peace of mind of having the broadest coverage available will opt for a more complete protection plan.

Don’t Forget The Deductible

The deductible is what you pay out of pocket for any damages before the warranty kicks in. With more comprehensive plans the deductible is typically lower. This can make a difference if your car sees a lot of use or ends up breaking down a lot.


For almost every situation, there is an extended vehicle protection plan available for your needs. Coverage can be exclusionary for those who drive a lot or for those that simply want the best plan available. In other cases, reduced coverage is a great alternative. Check out all the options and get a free quote at CARCHEX today.

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