Your automobile insurance covers bumpers; bumpers are external to your vehicle and not covered. IWS Named Exclusion coverage is our most comprehensive service plan; it covers eligible vehicles almost entirely. Our Named Exclusion plan covers every mechanical, electrical, and electronics failure. The reason this coverage is called Named Exclusion is that there are too many parts/components to list. Examples of listed exclusions; any required maintenance by the manufacturer, any pre-existing condition, any aftermarket products not installed by the manufacturer, and external items (body parts) that are covered by your automobile insurance, such as bumpers, glass, hood, fenders, door panels, etc.