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Zurich Vehicle Service Contract Reviews

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About Zurich Vehicle Service Contract

Zurich offers vehicle service contracts (VSCs), often referred to interchangeably as extended auto warranties, that help cover the cost of certain repairs after a manufacturer’s warranty expires. These plans are typically sold through authorized dealerships and can help pay for parts and labor related to covered mechanical breakdowns. Zurich VSC is part of the Zurich Insurance Group, which has more than 150 years of experience in the insurance and risk management industries.

Visit www.zurichna.com
Pros
  • Covers multiple vehicle types, including motorcycles
  • Offers comprehensive coverage options
  • Plans are transferable to a new owner
  • Includes roadside assistance benefits
Cons
  • Only sold through dealerships
  • Limited plan transparency online
  • Pricing varies by dealer

Helpful Reviews

Parkville, MD
Verified purchase
Both times that I had to do a repair through Zurich went perfectly fine. When I hit a pothole, it completely destroyed my entire rim. I filed a claim with Zurich and it was seamless.

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Auburn, WA
Verified purchase
I did a claim with Zurich for one of my tires that got flat, and I'm so satisfied. The package is very satisfactory, especially the tire package. Last time, there was a nail in my...

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Zurich Vehicle Service Contract cost

Vehicle service contract prices aren’t available on Zurich’s website. Expect prices to vary based on your local dealership and your vehicle’s make, model, year and mileage.

The best way to get an accurate price is to speak to a Zurich representative at an authorized dealership. They can help you choose a plan that fits your budget.

Zurich offers multiple deductible options, including zero-deductible plans. The exact deductible depends on the contract you choose, but many extended auto warranties in the industry use deductibles of around $100.

Zurich extended warranty plans

Zurich offers several vehicle service contract coverage levels for new and used vehicles, including Powertrain, Standard and Comprehensive. Coverage varies by contract, and all plans contain exclusions, so you should speak with a representative at an authorized dealership for details about what is covered.

Powertrain
The Powertrain plan is Zurich’s most basic coverage and protects certain named drivetrain components, including:
  • Engine
  • Transmission
  • Transfer case
  • Drive axle(s)
Standard

The Standard plan covers everything in the Powertrain plan and adds coverage for specific named components, including:

  • Suspension
  • Steering
  • Brakes
  • Heating and air conditioning
  • Electrical components
Comprehensive

The Comprehensive plan is an exclusionary policy, meaning it covers most mechanical and electrical components except those specifically excluded in the contract. This type of plan is sometimes referred to as “bumper-to-bumper” coverage.

In addition to the systems included in the previous plans, Comprehensive coverage can extend to components in your vehicle’s:

  • Cooling system
  • Interior
  • Exterior

Common exclusions may include cosmetic items, routine maintenance, wear-and-tear parts, tires, batteries, exhaust components and damage caused by rust or corrosion. Exact exclusions vary by contract.

» COMPARE: Best extended car warranties

Zurich Vehicle Service Contract coverage

Zurich allows covered repairs to be completed at authorized dealerships or licensed repair facilities. Here’s how the process works:

  1. Once a repair facility diagnoses the problem, it must contact Zurich’s claims department to obtain authorization before beginning repairs.
  2. Once the repair has been authorized and completed, Zurich pays the repair facility directly.
  3. You may have a deductible, and you’ll have to pay for any non-covered expenses out of pocket.

Every plan also includes emergency roadside assistance, rental car reimbursement and trip interruption coverage. Rental reimbursement typically ranges from $30 to $40 per day for up to six to 10 days, depending on the contract.

Trip interruption benefits are commonly $100 per day for up to three days if a breakdown occurs more than 100 miles from home and requires an overnight stay.

Zurich Vehicle Service Contract additional coverage options

Along with its vehicle service contract plans, Zurich offers several optional vehicle protection products for an additional fee, including:

  • Road hazard tire and wheel protection (cars and trucks)
  • Road hazard tire and wheel protection (motorcycles and powersports vehicles)
  • Prepaid maintenance plan (maintenance performed at participating dealerships)
  • Guaranteed asset protection (GAP)
  • Lease wear and use
  • Universal Security Guard (theft-deterrent system)
  • Paintless dent repair coverage
  • Premier dent service 
  • Simoniz GlassCoat (paint protection)
  • MotoTect (surface protection for powersports vehicles)
  • Zurich Shield (environmental and windshield protection)
  • Key replacement

FAQ

What does a Zurich Comprehensive warranty cover?

Zurich’s Comprehensive warranty is an exclusionary policy, which means it’s defined by what it doesn’t cover, such as routine maintenance and wear and tear. However, you can expect the Comprehensive warranty to cover your vehicle’s:

  • Engine
  • Transmission
  • Drive axle(s)
  • Transfer case
  • Suspension
  • Steering
  • Brakes
  • Heating system
  • Air conditioning system
  • Electrical components
  • Cooling system
  • Interior
  • Exterior
What does a Zurich vehicle service contract cover?

A Zurich vehicle service contract (often used interchangeably with extended warranty) helps pay for repairs after a mechanical breakdown. It’s offered in three levels — Powertrain, Standard and Comprehensive — with coverage ranging from basic drivetrain components to most mechanical and electrical systems.

How many plans does Zurich offer?

Zurich offers three extended warranty plans. Powertrain covers your car’s engine, drive axle and transmission. Standard covers everything in Powertrain, plus components like your suspension, steering and brakes. Comprehensive offers exclusionary coverage that includes almost all vehicle components.

Zurich also offers add-on coverage for specific components, such as tire and wheel protection and windshield protection.

Who accepts the Zurich auto warranty?

Zurich states you can take your vehicle to any dealership or state-licensed repair facility. However, it’s important to have the repair facility verify coverage and obtain a repair authorization number before any repairs are made.

Where are Zurich’s vehicle service contracts available?

Zurich's vehicle service contracts are only available at select dealerships throughout the United States and Canada. Restrictions and exclusions may vary in certain states.

How do I cancel my Zurich extended warranty?

To cancel your Zurich extended warranty, contact the dealership that sold you the contract or call Zurich Customer Service. Additional details are outlined in your contract under the “Cancellation of Contract” section.

Still have questions?

Is a Zurich extended warranty worth it?

Yes, a Zurich vehicle service contract can be worth it if you’re buying from a participating dealership and want help covering repair costs. Zurich also offers plans for motorcycles and ATVs, which is great for those with several vehicles.

Zurich has strong customer feedback, with many reviewers reporting positive experiences. Customers frequently mention that repairs — including major issues with transmissions and suspensions — were covered, and that the claims process was straightforward, with dealerships handling most of the paperwork.

Reviewers with high-end vehicles, in particular, say the coverage helped offset expensive repairs. Overall, based on customer feedback, Zurich’s plans are often seen as valuable for maintaining and repairing vehicles.

Zurich Vehicle Service Contract video review

zurich vehicle service contract video review
Robert: Hello, my name is Robert. I live in Michigan. And I got my Zurich contract through my dealer when I bought my vehicle back in April of last year. I chose the Zurich because the dealer recommended it. He said that there's a lot of other available contracts that you could get, but their experience was that Zurich was the best coverage you could get for the price that you pay and for their service and basically how they just take care of it. They don't ask a lot of questions and they realize that if your vehicle breaks down, you need it fixed. No, actually it was a very easy way to do things. The dealer walked me through all the information, showed me what I was spending my money to get, and said that I once I sign on to it and if I did need to use Zurich, that it was very simple to get ahold of them and to get approval for what you need repairs. There wasn't a lot of paperwork, a lot of phone calls or steps to take, so that's one of the reasons that convinced me that Zurich was probably better than most of them to use. It's funny because when I took my car into have it fixed, what happened was the transfer case went out on it. And my mechanic called me and he said, I have bad news. He said, the transfer case, even a used transfer case, was gonna run $2,400 to $2,500, and I said, yikes. I'm on a fixed income. I'm retired. And I'm thinking, well, there goes a chunk outta my savings. And I mentioned to him, I said, well, I have Zurich coverage. Will they cover it? And he's like, well, there's one way to find out. Let's give them a call. And I said, well, I can call them, and he said, oh no, he says, I'll take care of it. So I gave him the VIN off the vehicle and he dealt directly with them. He called me back about a half hour later and said, good news, he said, Zurich has no problem with covering the transfer case. The only difference is, he says, I can't get a used one for you, Zurich is insisting that I buy a new one, and a new one ran $4,800 and I ended up only paying $100 deductible on that. So as far as it being an easy, painless way of doing it, my repairman took care of the whole thing. So all I did was wait for the phone call and heave a sigh of relief that I was not gonna be out $4,800. It's funny, I've never been a fan of extended warranties on appliances, and being old school, I did a lot of the repair work on my cars myself simply because it was a little cheaper and easier than going to a dealer or to a mechanic. But the dealer told me, he said, you're gonna want an extended contract, and I'm like, well, I don't know. He said, trust me, he said, these cars are so far ahead in technology that the average person can't work on them. And he said, if you have a component, you know, God forbid go out of the vehicle, he said, they're very pricey. Most things to repair aren't $200 or $300 repairs anymore, they're $1,200, $1,300, $1,400. And he said, to spend a little bit of money for the peace of mind that if there is a breakdown, Zurich will cover it, he said to me, that's a no-brainer. And I'm very glad I did that. And it was even funny because I had to get a rental car because I'm a one vehicle family and I thought, well, I wonder if Zurich covers rental cars? So I contacted them by email and I got an email response back saying, send us a copy of your rental agreement when you turn the car in and it's paid for and we'll reimburse you. And sure enough, about 10 days after I submitted that, here comes a check in the mail from Zurich to cover the rental car costs. So all in all, just a really good experience with them.

Zurich Vehicle Service Contract Reviews

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    How do I know I can trust these reviews about Zurich Vehicle Service Contract?
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    Page 1 Reviews 0 - 5
    Verified purchase
    Customer ServiceCoverageTechPriceStaff

    Reviewed June 27, 2026

    My wife had hit a 2x4 on 287. Ever since then, I have always gotten extra protection. When I went to the dealer, they said they have Zurich insurance. I went with them, and I like that I never have to call them. I go to the dealer, and I tell them I have the insurance, and they take care of everything. A couple of weeks ago, I had gone in there for an oil change, and I told them that one of my tires doesn't leak a lot, but I said, "Can you check it out? Make sure there are no nails in it, or it's just the rim itself.” Sometimes, during the winter, it leaks around the rim. So, they came out to me, and they told me that they had found a nail in the tire. It was on the sidewall, so there was no way they could just fix it. It had to be replaced, so they replaced it. Having Zurich is well worth it.

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    Zurich Vehicle Service Contract
    Response from Zurich Vehicle Service Contract

    Hello Theodore,

    Thank you for choosing Zurich for your vehicle protection needs. We're pleased to hear that our seamless process at the dealership allowed for the hassle-free handling of your recent tire replacement. Your satisfaction is our priority, and it's wonderful to know our coverage provided you with greater peace of mind. Should you need further assistance or have questions in the future, we're here to help.

    Sincerely,

    The Zurich Customer Care Team

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      Verified purchase
      CoverageTechPriceStaff

      Reviewed June 10, 2026

      Zurich was add-on when I bought the car. The dealer offered me if I wanted to take in, and I thought it was a good deal for five years and signed up. When I needed tire replacement, I went to the tire shop. The process was quite easy ‘cause I didn't have to do anything. I just provided the tire shop with the Zurich warranty information. They made the claim, and Zurich paid them almost $300. They covered almost everything. I just had to pay $5. The extended tire and warranty service is worth it. I'm already in year two and I got three more years peace of mind. I’m very happy. It has been an excellent experience with Zurich.

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      Zurich Vehicle Service Contract
      Response from Zurich Vehicle Service Contract

      Hello Subash,

      Thank you for sharing your positive experience with our Tire & Wheel Protection. We're delighted to hear the process was smooth and you're enjoying greater peace of mind. Should you have any further questions or need assistance, feel free to reach out.

      Sincerely,

      The Zurich Customer Care Team

      Verified purchase
      Customer ServiceCoverageTechPunctuality & SpeedStaff

      Reviewed May 26, 2026

      I had a slow leak on the driver's side front tire. It was in a sidewall, which was unrepairable. Zurich put the claim in. It went through to get a replacement tire. Jeep takes care of inspecting the tire, seeing if they can repair it. If not, they advise me that the tire is unrepairable, and they would make a claim. Usually, in an hour or two, they get a response back. And within 45 minutes, I would be out to go with a new tire on my vehicle. Jeep wouldn't install the tire or anything like that until Zurich processed the claim and agreed to pay. Jeep wouldn't take the initiative and install and get the claim filed. They would have to wait for the claim to be approved. Driving in the five boroughs every day, I don't have to worry about getting stuck somewhere or if my tire is blown out or my rim is dented. I’d go to any Jeep. My contract is on file. They do all the paperwork, calls and emails.

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      Zurich Vehicle Service Contract
      Response from Zurich Vehicle Service Contract

      Hello Miguel,

      Thank you for taking the time to share your experience. We're pleased to hear the claims process for your tire was handled efficiently by Zurich and processed promptly by the authorized service facility. Your feedback reinforces our commitment to ensuring a smooth and seamless claim experience for our customers. Let us know if there’s anything we can assist you with in the future.

      Sincerely,

      The Zurich Customer Care Team

      Verified purchase
      TechPriceStaffRates

      Reviewed May 7, 2026

      The dealer was a little bit persuasive, which made me decide to purchase the service contract from Zurich. It seemed like a good idea since the parts on the car are expensive. Plus, I was told that I can cancel anytime, so it was a no-risk type. If I didn't like the service contract or didn't think it was necessary, after a few months, I had planned to cancel. So, I got it. The contract that I have is mainly for tires and wheels, and I've had to replace three wheels, and it might have been four tires by now. The dealer takes care of the claim for me. I would just drop off my car and hope it gets approved, and then pick it up afterwards. The only concerning part was the price, but the contract lasts for quite a few years. My contract also comes with some type of stain removal on the interior. Someone dropped pasta sauce in the vehicle and I couldn't get it all out. So I might try to see if I can get some help with that in the future.

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      Zurich Vehicle Service Contract
      Response from Zurich Vehicle Service Contract

      Hello Byron,

      Thank you for sharing your feedback regarding the service contract with Zurich. We're delighted to know that the dealership's claims process has worked smoothly for you so far. Your satisfaction is very important to us, and we look forward to providing more exceptional service in the future.

      Sincerely,

      The Zurich Customer Care Team

      Verified purchase
      CoverageTechPricePunctuality & SpeedStaffValue

      Reviewed April 21, 2026

      I signed up with Zurich so my Kia is covered if something goes wrong with it, and Zurich has been great. It's well worth the money. The policy covers anything and the only thing that we did not get covered was the windshield. When you have a claim, you just take your car to the dealership, tell them that you got the coverage with Zurich, and they do the work. It's straightforward. There's no “Maybe,” or “Let me find out.” The car gets fixed. We hit a pothole and it destroyed the tire. It happened on a Saturday, so I had to wait till Monday, and the car was taken care of that day. I got brand-new tire and I only had 20 some odd miles on the car. I'm very satisfied. Having Zurich is super convenient.

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      Zurich Vehicle Service Contract
      Response from Zurich Vehicle Service Contract

      Hello Pedro,

      Thank you for sharing your feedback. We have a high standard for the service we provide, and we're happy to hear you were pleased with your experience!

      Sincerely,

      The Zurich Customer Care Team

      Customer ServiceTechSales & MarketingStaff

      Reviewed July 13, 2026

      Terrible company. They will try anything to try and get out of their auto warranties. They were very deceptive in their advertising with me. If you are buying a new car (or even a used one) and the dealership tries to sell you anything Zurich warranty related "head for the hills", they just want free money. As an influencer I will make sure as many people know about your deceitful practices as I can, and I will warn anyone that brings your company's name up to me when the opportunity arises. Zurich - Don't bother responding to this review because anyone with half a brain knows you are only replying for the illusion of helping customers with complainants when you have no intention of helping or honoring your contracts just as others have said.

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      Resolution In Progress
      Profile pic of the author.
      Customer ServicePunctuality & SpeedMaintenance

      Reviewed July 7, 2026

      They don't answer phones to get customer's cars back on the road. 2 days in a row trying to get a hold of an adjuster! Just a heads up. Be ready to sit and wait and don't drink anything if you need to call in to this place they take days. You will literally be on hold for hours. Don't risk making yourself sick. Also bring snacks cause you won't be getting breaks.

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      Zurich Vehicle Service Contract
      Response from Zurich Vehicle Service Contract

      Bobbie,

      Thank you for sharing your feedback. We have a high standard for the service we provide, and your experience should be no exception. The voice of our customers is a key component in helping us improve. I'm sorry you're having trouble getting through to us by phone. If you have specific questions about your coverage, you can also contact us by email at: vscclaim@zurichna.com. Please include the vehicle's VIN number in your email so we can locate your file.

      Sincerely,

      The Zurich Customer Care Team

      Profile pic of the author.
      Customer ServiceCoverageTechPunctuality & Speed

      Reviewed July 3, 2026

      This is the 1st time I tried to use it, the service manager was on hold for 45 min waiting for an answer on my service. He finally let me go and said when they answer him he will call me back and fix my car, I am 35 min away from the dealership, needless to say I'm not impressed with the company.

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      Zurich Vehicle Service Contract
      Response from Zurich Vehicle Service Contract

      Thank you for your patience, Larry. Now that we've located your contract file, we'll be reaching out to the dealership to initiate a claim as soon as possible. We appreciate your understanding and are committed to resolving the situation as swiftly as possible.

      Sincerely, The Zurich Customer Care Team

      Resolution In Progress
      Refunds & Payouts

      Reviewed July 2, 2026

      They always have an excuse not even though they take your money monthly. I will never recommend the service. This is my third time I've been denied. Even though I have warranty I pay for my repair whatever happened to my car.

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      Zurich Vehicle Service Contract
      Response from Zurich Vehicle Service Contract

      Hello Senait,

      Thank you for sharing your feedback. We have a high standard for the service we provide, and your experience should be no exception. The voice of our customers is a key component in helping us improve.

      It looks like a claim was filed at the end of April for a thermostat failure on your Dodge Charger. Unfortunately, that claim was denied because the contract you purchased doesn’t include the thermostat as an eligible component.

      If you have any unanswered questions or would be willing to discuss your concerns with us, please contact us at: vscclaim@zurichna.com

      Sincerely,

      The Zurich Customer Care Team

      Profile pic of the author.
      CoveragePunctuality & SpeedRefunds & PayoutsBilling

      Reviewed July 2, 2026

      They covered one claim and now are denying a claim on a technicality. Faulty seal let some water into the cab. Seal replaced and now they won’t pay for it. I am stuck with a 600 dollar bill they won’t cover. Still on hold for a 1/2 an hour. Still waiting.

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      Zurich Vehicle Service Contract
      Response from Zurich Vehicle Service Contract

      Hello Lee,

      Thank you for sharing your feedback. We have a high standard for the service we provide, and your experience should be no exception. The voice of our customers is a key component in helping us improve. If you would be willing to discuss your concerns with us, please contact us at: vscclaim@zurichna.com or by calling 800-643-9059.

      Sincerely,

      The Zurich Customer Care Team

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      Zurich Vehicle Service Contract Company Information

      Social media:
      Company Name:
      Zurich Vehicle Service Contract
      Address:
      1299 Zurich Way
      City:
      Schaumburg
      State/Province:
      IL
      Postal Code:
      60196-5870
      Website:
      www.zurichna.com