Exclusionary coverage provides maximum protection for vehicles and is the most comprehensive coverage type available. Exclusionary coverage provides total protection for who rely on their vehicle or seek a premium service plan for greater peace of mind. Though exclusionary coverage isn’t exactly the same as a bumper to bumper warranty, bumper to bumper plans are the most common plans that have exclusionary coverage.
What is Exclusionary Coverage?
Exclusionary coverage is considered a superior form of warranty coverage because of how exclusionary contracts are structured. Since exclusionary plans only list what is not covered, the tend to cover more parts overall because it is assumed that every part that isn’t listed is covered.
Exclusionary Extended Auto Warranty
Once a vehicle’s factory warranty expires, exclusionary coverage is the highest form of coverage a vehicle can qualify for. With some exceptions, this coverage level protects nearly every component on the vehicle. Like factory warranties, normal wear and tear items are not covered by plans with exclusionary coverage.
Best Exclusionary Extended Warranty
Our reviews for the best exclusionary auto warranty found that the three best exclusionary options on the market are provided by Endurance (Supreme Plan), CARCHEX (Titanium Plan), and CarShield (Diamond Plan). Unsurprisingly, these plans are also the highest level of coverage offered by each provider. The table below contains the prices and coverage periods for several of the leading exclusionary extended car warranty plans:
Exclusionary Extended Warranty Plan
2018 Toyota RAV4 with 30,000 miles
5 years/100,000 miles
$77.35 for 36 months
2018 Toyota RAV4 with 30,000 miles
7 years/125,000 miles
$190 for 18 months
2018 Toyota RAV4 with 30,000 miles
5 years/100,000 miles
$88.78 for 18 months
As the table above illustrates, based on quotes our researchers received from each of the three providers, exclusionary extended car warranties prices range from around $77 to $190. The average cost of an exclusionary extended car warranty is $119.
For consumers that are interested in learning more about the top exclusionary extended car warranties, the sections below provide more specific and detailed information about the best exclusionary extended auto warranty plans:
Endurance Supreme: Best Exclusionary Extended Warranty
We rated Endurance the best extended car warranty company in our comprehensive review of the industry. Endurance is a direct provider that is backed by an AM best insurance company and has over 10 years in the industry. With that in mind, it is not surprising that this reputable provider offers the best exclusionary car warranty on the market, the Endurance Supreme Plan.
Endurance Supreme is the best exclusionary plan on the market. It provides the highest level of coverage from the best provider and is close to a factory warranty. The Supreme plan covers every single part of your vehicle except those that are specifically listed. Excluded parts include some high tech items (can be purchased as an add-on), cosmetic parts, battery, light bulbs, glass, LED lights, and the safety restraint system. This plan can be purchased under $100 with 36 month payments.
Unlike most competitors, Endurance is a direct provider, meaning they handle all of the claims for warranties they sell directly. Without a middleman involved, Endurance is able to ensure quality customer service. If you are looking for the highest level of exclusionary coverage matched with industry leading customer service from a reputable provider, Endurance is the way to go.
Industry veteran that handles your plan directly, from quote to claim
CARCHEX Titanium: Best Long-Term Exclusionary Extended Car Warranty
With 5 levels of coverage and multiple options that range from 12 to 84 months, CARCHEX is one of the best providers in the industry. Those looking for exclusionary coverage from this provider should consider the CARCHEX Titanium plan.
This CARCHEX plan is the highest level of coverage offered by CARCHEX and is an excellent option for those for exclusionary extended car warranty coverage with with a long coverage period, as plans are available with coverage terms that range from 5-10 years. This coverage level has plan is available from 5 different providers that administer this plan for CARCHEX, who brokers the warranties and provides excellent customer service throughout the claims process. For those looking to extend a new car warranty for a long time, this exclusionary plan is a high value option.
In addition to the comprehensive coverage provided in this plan, this CARCHEX exclusionary warranty also comes with trip interruption service, rental car reimbursement, 24/7 roadside assistance and towing. CARCHEX warranties are backed by several reputable administrators like Royal Administration Services, American Auto Shield, and Allegiance Administrators, which makes this provider an extremely secure option.
Top-rated provider with unmatched customer service and affordable coverage
CarShield Diamond Plan: Most Affordable Exclusionary Extended Car Warranty
CarShield is our pick for the most affordable extended car warranty provider. Based on quotes our researchers have recieved, CarShield’s exclusionary option is unsurprisingly the most affordable plan on the market.
The CarShield Diamond plan provides exclusionary coverage that is also surprisingly affordable. Most components and systems are covered in this plan. The ones that aren’t are specifically listed in the plan. Along with protection for the engine, transmission and drive axle, the CarShield Diamond plan provides the most complete coverage possible. The Diamond plan covers everything that is covered in the Platinum plan, with the addition of the wiring harness. Coverage includes protection for transmission failures, starter problems, and fuel pump breakdowns.
CarShield’s plans are administered by American Auto Shield, a reputable provider with an A rating from AM Best. This means CarShield plans are backed by providers who have an excellent ability to pay back claims. Since its founding in 2005, CarShield has covered over 1 million vehicles, making it the most popular provider in the industry. While the number of complaints the company are high, they represent only a small portion of the company’s customers.
Well-known provider that offers great coverage with great pricing
Exclusionary Car Warranty Guide
When exploring options for obtaining a car warranty, there are many choices to be made and information to consider. A car warranty is essentially the promise that specific problems with the car will be covered either partially or fully during an agreed upon period of time.
The power train portion of this warranty includes the basic components of your vehicle. A few items included in this are the engine, transmission, drive axle, seals, gaskets, et cetera. Basically, the power train warranty is designed to help you keep your vehicle running, it covers the main components but not the other comforts your vehicle provides, like air conditioning for example.
Instead of listing all of the things that are covered, exclusionary warranties list only the items that are not covered. Additionally, an exclusionary plan will also allow you peace of mind that you have a more complete protection plan. While some other plans may be less expensive, exclusionary coverage can be helpful for the right circumstances. Be sure to consider not only your budget but also what you need for peace of mind and how much you will use your vehicle before choosing a type of warranty.
An inclusionary warranty typically covers fewer components than an exclusionary warranty. When viewing an inclusionary policy, you will see a list of items that are included in coverage, rather than the other way around with exclusionary warranties. The Stated Component warranty includes all of the power train components as well as a long list of additional parts and components that will be covered. This will keep your vehicle running, and then some, but still does not cover everything.
Note that the exclusionary coverage definition does not include normal wear and tear. This is not limited to the exclusionary auto warranty, but is true for most warranties, including factory warranties.
Featured Extended Warranty Companies
We reviewed the best extended auto warranty providers, and here are our top picks.
In this article, we looked at the best exclusionary extended car warranty plans in the market. Additionally, we reviewed the basics of exclusionary coverage, which may be helpful for those considering purchasing an exclusionary extended car warranty.
Exclusionary Extended Car Warranty: FAQ
Below are some common frequently asked questions about exclusionary auto warranty coverage:
What is an exclusionary warranty?
Instead of listing every part that is covered, exclusionary warranties only list the items that aren’t covered. Because of this coverage structure, exclusionary warranties provide a superior level of coverage overall.
Is a protection plan the same as a warranty?
Protection plans cover almost all the same parts as warranties. While the two things aren’t exactly the same, the both do the same thing.
What is the difference between warranty and extended warranty?
Warranties are provided by automaker to protect the buyer against factory defects for a period of time after the car is purchased. Extended warranties, on the other hand, are an added form of coverage that can be used to extend your coverage after the factory warranty expires.
Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best extended auto warranty providers.
Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team performs ongoing secret shopper analyses for different vehicles, mileages, warranty plans, and locations to give this rating.
Coverage: Because each consumer has unique needs, it’s essential that a car warranty company offers an array of coverage options. We take into account the number of plans offered by each provider, term limits, exclusions, and additional benefits.
Industry Standing: Our team considers Better Business Bureau (BBB) ratings, availability, and years in business when giving this score.
Customer Service: Reputable extended car warranty companies operate with a certain degree of care for consumers. We take into account customer reviews, BBB complaints, and the responsiveness of the customer service team.