Shoppers for extended warranties for automobiles will come across the terms sooner or later, “bumper-to-bumper.” Billed as the best type of plan, bumper-to-bumper plans supposedly cover “everything.” An auto warranty is an expensive, but worthwhile, investment. To be sure that you are selecting the right one, it’s important to clarify terms before purchasing.
There are two types of extended warranties, inclusionary and exclusionary.
An inclusionary car warranty lists the covered parts on the agreement. If the part is listed on the contract, then it is covered. If the part is not on the list, then it is not covered.
An exclusionary auto warranty is one in which the contract only lists the parts that are not covered. If the part is not listed on the contract as excluded from coverage, then it is a covered part. An exclusionary car warranty is the only commonly called “bumper-to-bumper.” The original car warranty is bumper-to-bumper, for example.
Although exclusionary plans are much more comprehensive, even they do not cover routine maintenance, cosmetics of the vehicle, or so-called consumables, i.e. brake pads, spark plugs, light bulbs. Even a bumper-to-bumper plan does not actually cover bumpers. With any agreement, it is important to carefully review the terms to be sure that you’re familiar with the coverage. On a bumper-to-bumper plan, because the expectations for coverage are so high, it is very important to know the exclusions.
AA Auto Protection represents multiple auto warranty administrators that offer a full range of both inclusionary and exclusionary policies. With a wide variety and interest-free financing available for all customers, any consumer wishing to protect themselves from expensive vehicle repairs would be well-served by considering an extended warranty for their vehicle.
