An exclusionary extended warranty – commonly referred to as ”bumper-to-bumper” coverage by consumers – is essentially the best vehicle protection coverage money can buy. This type of warranty 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. But is “bumper-to-bumper” coverage worth it? Let’s find out.

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.

Furthermore, almost all extended warranties 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 warranty plans. Logically, as coverage is expanded, cost goes up. Also, there are differences in the terms of the coverage. The most comprehensive plans typically cover your vehicle for up to seven years and the most basic plans provide coverage starting at two years and up. Contact CARCHEX now and find out what option best fits your needs.

You might think seven years is much longer than you plan to keep your car, but most extended warranties are transferable. If you decide to sell, this improves the value of your car, and sets it apart from others.

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 every situation, there is an extended auto warranty 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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