Inclusionary Warranties: What They Are and How They Work
inclusionary warranty
581When shopping for extended coverage, you’ll come across two main types of vehicle protection plans: inclusionary warranties and exclusionary warranties. Understanding the difference is key to choosing the right plan for your car and your budget.
In this post, we’ll focus on inclusionary warranties—what they cover, what they leave out, and when they might be the right choice.
What Is an Inclusionary Warranty?
An inclusionary warranty (also called a “stated component warranty”) is a type of vehicle service contract that lists exactly which parts and systems are covered. If a component isn’t named in the contract, it’s not included in your coverage.
This type of warranty offers more protection than a basic powertrain plan but less than a full exclusionary warranty.
What Do Inclusionary Warranties Cover?
Coverage depends on the contract, but common inclusions are:
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Engine and transmission
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Air conditioning system
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Electrical systems
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Fuel delivery system
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Steering and suspension
Because it’s a “stated coverage” plan, you’ll see a clear list of every covered component in your agreement.
What’s Not Covered?
Anything not listed in the warranty contract is excluded. That could mean:
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Advanced driver assistance features
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Some electronics and sensors
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Normal wear-and-tear items (tires, brake pads, wiper blades)
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Routine maintenance (oil changes, filters, fluid top-ups)
This can leave gaps, especially on modern cars with complex electronics.
Pros of an Inclusionary Warranty
✅ Affordability – Generally cheaper than exclusionary warranties
✅ Clear Coverage – Easy to see what’s included in writing
✅ Good for Older Cars – Helpful if you just want coverage for major systems rather than every component
Cons of an Inclusionary Warranty
❌ Coverage Gaps – Anything not listed is excluded, even if it seems like it should be covered
❌ Less Protection – Doesn’t offer the same peace of mind as exclusionary coverage
❌ More Risk – You may still face costly out-of-pocket repairs
Inclusionary vs. Exclusionary Warranties
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Inclusionary = What’s listed is covered
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Exclusionary = Everything is covered except a short exclusion list
For maximum peace of mind, most drivers prefer exclusionary coverage, but inclusionary warranties can still be a good budget-friendly option for those who want targeted protection.
Get an Inclusionary Warranty For Less From a Cuvrd Partner
When you choose an inclusionary warranty through a trusted Cuvrd partner, you get more than just a list of covered components—you get:
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Transparent terms you can actually understand
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Dependable claims support from a Cuvrd Administrator
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Affordable protection tailored to your vehicle’s age and mileage
Bottom Line
Inclusionary warranties (stated component coverage) can be a smart way to protect your vehicle if you’re looking for affordability and straightforward coverage. But if peace of mind is your top priority, an exclusionary warranty from a trusted Cuvrd partner will always provide the most complete protection.
TL;DR: If you’re researching inclusionary warranties, you’ve likely come across the term “stated component coverage.” An inclusionary warranty lists the specific parts it covers—if a component isn’t listed, it isn’t protected. This type of coverage is usually more affordable than exclusionary warranties, but it can leave gaps. In this guide, we explain how inclusionary warranties work, what they cover, and when they might be the right choice through a trusted Cuvrd partner.
— Neil Coker