5 min read
If you have ever purchased a car insurance policy through an insurance agent, you will know that their claims of offering an all-inclusive plan never stays 100% true to their words. Most of the car insurance policies do not protect your car against the standard wear and tear. At times, even your current policy might prove inadequate to fulfill your insurance requirements on many instances. Thus, most such policies usually do not compensate you fully against the damages caused to your car in case of an accident.
For all such people who are dejected with the false claims of insurance agents or who are not happy with their present insurance policy offerings, the bumper to bumper car insurance policy is the solution to your problems. Though the comprehensive insurance policy is a good option for an inclusive car insurance, but if you are looking at extensive coverage you should go for the Bumper to Bumper insurance policy.
In this article, we will delve into the different aspects of bumper to bumper car insurance to enlighten you about its benefits, drawbacks, features, inclusions, exclusions and much more.
Let’s first start with knowing about the bumper to bumper insurance meaning.
Also Read: Exclusions by Your Car Insurance Policy?
As the name denotes, a bumper-to-bumper car insurance is a policy that works as an add-on to the comprehensive car insurance policy, offering bumper cover to the insured unit. This insurance policy covers almost the entire vehicle with exceptions of the tyres, glass, engine, and batteries. The various parts covered in this insurance, which are normally excluded in most car insurance policies include: rubber parts, fiber-glass, plastic, nylon as well as metal components.
Being a zero depreciation policy, the bumper-to-bumper car insurance definitely has its numerous advantages when compared with a comprehensive plan. However, the policy comes at a bumper price that might hit your pocket. In fact, this policy is as much as 20 % expensive as compared to the comprehensive policy.
Thus, you need to pay a hefty premium amount for this plan, which might not suit people seeking an insurance plan with reasonable premium. However, if you are willing to pay high premium in lieu of a policy that covers your car entirely and ensures mental peace then you must go ahead with this bumper cover policy offering car insurance bumper to bumper.
The zero depreciation policy offers the following inclusions and exclusions:
If you are still confused about the bumper-to-bumper car insurance policy, let us give you a simple comparison between the comprehensive car insurance policy and the bumper-to-bumper policy.
To avail the best insurance policy, you need to check different insurance companies offering the insurance plans for your car. Here is a list of the top insurance providers who offer Bumper-to-Bumper car insurance:
The bottom line
The best way to buy the Bumper-to-Bumper insurance policy is through online sources. The process is very simple like in the case of comprehensive plan. The only distinction is that you can buy it as an add-on at the time policy renewal or at the time of buying a new policy. Just ensure to compare different policies before buying the final product.
This policy is especially beneficial for all those for whom the standard policy doesn’t suffice adequately. So, if you feel that you need some changes in your policy requirements, you can opt for the add-on Bumper-to-Bumper insurance facility at the time renewal of the insurance policy to ensure optimum protection.
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