What is bumper to bumper insurance? (2024)

What is bumper to bumper insurance?

Bumper-to-bumper insurance is actually a warranty purchased from the car manufacturer and not a form of auto insurance. Bumper-to-bumper coverage usually pays for mechanical or equipment breakdowns, defects or issues with certain car parts, and labor costs.

What does bumper to bumper actually cover?

A bumper-to-bumper warranty, also called a comprehensive warranty, covers most vehicle parts between your car's front and rear bumpers. New cars often come with either a three-, four- or five-year bumper-to-bumper warranty that's part of a limited vehicle service contract offered by the dealership.

Is it worth getting bumper to bumper insurance?

If the car is new, is an expensive model, will be driven or is registered in an accident-prone location, the driver is inexperienced, or the person or persons with access to the car do not have a positive driving record, bumper to bumper insurance can come in handy in case of damage to the vehicle.

What is the difference between own damage and bumper to bumper insurance?

A large amount of depreciation is charged to your vehicle every time you make a claim. On the other hand, bumper to bumper insurance helps you save big as your vehicle doesn't bear the depreciation loss. This add-on enhances the overall protection to protect the vehicle (100% coverage with no depreciation).

How to use your bumper to bumper warranty?

If a part or function fails, you can take your car to any of the automaker's franchised new car dealers for repairs. There should be no cost for the service. Some automakers will even cover a towing bill to get your car to the shop. Bumper-to-bumper warranty coverage does have some limits, though.

What's not covered under warranty?

Manufacturer's warranties are designed to protect against defects and malfunctions, but they do not cover damages caused intentionally by the user. Any deliberate damage inflicted on a product, such as physical alterations, dismantling, or unauthorized repairs, will void the warranty.

Does bumper to bumper include windshield?

It's referred to as bumper-to-bumper because almost everything is covered, apart from a few exceptions. These include windshield damage after the first six months and damage to tires.

What does bumper to bumper not cover?

Wear and Tear-Prone Components

Think of brake pads, tires, and wiper blades. You won't find them covered in the bumper-to-bumper warranty. Even light bulbs and fuses are often excluded.

What are two reasons not to buy an extended warranty?

What voids a bumper to bumper warranty?

Improper maintenance: Your claim could be denied if you perform DIY and use improper fluids or parts. Lack of maintenance: Failing to perform regular maintenance on the vehicle can cause breakdowns that aren't covered. Misuse: Damage from off-roading or racing won't be covered.

Which insurance is best, bumper to bumper or comprehensive?

Bumper-to-Bumper Car Insurance

It provides a broader coverage as compared to the basic comprehensive insurance policy. It is most commonly known as 'nil depreciation cover' or 'zero depreciation cover'.

Does bumper to bumper cover theft?

Bumper to bumper is cheaper but provides less coverage. It only covers damages done on the fender or bumpers of the vehicle in case of an accident or another incident like theft or vandalism. If you want more comprehensive coverage, you should opt for comprehensive insurance.

Which is the best insurance for a car?

Does bumper-to-bumper warranty cover everything?

Bumper-to-bumper warranties cover every component on your vehicle except a list of exclusions in your contract, which is why they're also referred to as exclusionary policies. Basically, these plans cover so many parts that it's easier to list the parts that aren't covered than the ones that are.

Does bumper-to-bumper warranty cover labor cost?

A bumper-to-bumper warranty includes labor and repair for practically all car components. It is typically offered as a complete extended warranty coverage option or comes with new automobiles as part of a factory warranty.

Does bumper-to-bumper warranty cover electrical?

Less comprehensive coverages usually steer clear of electrical components, but a bumper-to-bumper warranty has you covered. Your battery, alternator, power windows, door locks, and more are generally protected.

What are two items typically not covered in a car warranty?

Car warranties generally won't cover routine maintenance services like oil changes or damages caused by a lack of regular upkeep. Other exclusions include car parts such as tires, brake pads, wiper blades and light bulbs that degrade due to normal wear and tear.

Is water damage covered under warranty?

Water damage

Manufacturer warranties don't offer coverage for water damage, which can be quite an expensive fix.

Are tires covered under warranty?

Pretty much every tire brand and manufacturer offers some kind workmanship and materials tire warranty. Most manufacturers will outright replace a tire if a manufacturing defect is found within the first 2/32" of a tire's tread life.

What is considered the bumper?

A bumper is the curved bar across the front of a car that protects it from getting dented or scratched during minor accidents. If you bump into your mailbox, you may damage your car's bumper. A car's bumper is designed to absorb as much impact as possible, protecting the more important parts of the car.

Which of the following parts is not covered under an extended warranty?

Any seals and Gasket replaced or refitted as part of normal-schedules. Clutch disc, clutch pressure plate, clutch release bearing, radiator, catalytic converter, muffler, AC gas leakages and differential backlash under any circ*mstances.

What is considered the bumper of a car?

A bumper is a bar attached transversely in front of or behind a car body to prevent contact between an obstruction and the car body or to cushion the shock of collision between vehicles.

How much should a bumper-to-bumper warranty cost?

Bumper-to-bumper warranties cover any mechanical breakdown barring explicitly listed exclusions. They're also called exclusionary or comprehensive coverage plans. Our quote data shows bumper-to-bumper coverage from leading extended warranty companies costs about $106 per month or $2,586 in total on average.

What is the longest bumper-to-bumper warranty?

Who offers the longest car warranty? Kia, Mitsubishi, Hyundai, and Genesis (Hyundai's luxury brand) all offer powertrain warranties that last 10 years or 100,000 miles. Each of these auto brands also come with 5-year/60,000-mile bumper-to-bumper warranties.

What is bumper-to-bumper limited warranty?

Bumper-to-Bumper Limited Warranty

Covers the entire vehicle for repairs, including parts and labor, to correct any defect in materials or workmanship for 3 years or 36,000 miles, whichever comes first.