Zurich Vehicle Service Contract

I called Zurich because when I went to pick up my vehicle, I had scratches on my bumper that the dealership had done. They told me that they were gonna handle it. What they did was put a touch-up paint on my brand-new car. When I called, I wasn't familiar with what Zurich would cover as far as that went because it said that they paint as long as there were no dings or dents and there wasn't. They reassured me they'd take care of it but it still looks like crap on the part where they scratched it and tried to touch it up.

I used Zurich twice and it was so clean. The process was excellent and pretty easy. They did the job right away and I'm okay with that. It was same-day service for both claims. I damaged the steer tire in the front. Zurich replaced it. For the second claim, I had a nail on the rear tire passenger side. They replaced that too. When I went to the shop a second time for my tire service, they couldn't find me there. I said, "Look, I have the warranty. What are you guys talking about?" They looked for it. The representative said he didn't have it. But I told him, "My friend, you don't know what you're doing." He goes, "No, I know very well what I'm doing." I told him, "Come on, man, call your supervisor."

I wanted to find out if what problem I was having was covered and when I called Zurich, it literally took 25 minutes of being on hold for somebody to finally pick up that I had to put my phone on speaker because my arm was getting tired. But the reps were very helpful. They asked me a few questions and got my contract number.

The first time I used Zurich, there was something wrong in the motor that shifted the gears. The second time, there was something wrong with the valve that would force the gas into the engine. I've never had any issues while using it. I just had to make sure that I went to an AAA Ford dealership. I just gave them the phone number. They know what Zurich is and they're good. They always told me that it could take a couple of weeks for me to get my car back because of the payment processing, but I've never had it gone for more than two days. Zurich is quick on getting the payments to the dealership so the car can be released. I made a call to Zurich and they had the funds for them in 45 minutes while I was waiting at the dealership. The nicest part was that I was able to tag it to the loan. I added a few months to my payment, but that way, I didn't have to worry too much about having a cushion for those major repairs. I could just have enough for the deductible and from there, I know I am gonna be okay if anything went wrong.

The reps from Zurich have been great so far. My tire keeps going flat and my car was pulling. So, I did an alignment but the car was still pulling. I was told my rim was cracked and I told the guys fixing it to replace it. They said they can’t and they would try to weld it. I told them to do what they gotta do. They welded it and then, a few days later, my tire pressure light went off again. I have all brand-new tires and they're saying that there's something up with the crack. They keep just fixing the cracks and I'm not happy about that because they won't replace my rim. It's still just a fixed crack. It's a little better but I don't like knowing that I'm driving a $120,000 car with a welded rim. I bought a protection and I want a replacement rim. But if fixing is the same as replacing, then I'm okay with it. For my situation for the BMW that I drive, Zurich is 100% worth it. I don't know any of my friends or constituents that buy these cars without a protection plan.

The financial guy when I bought my car suggested that I get the extended warranty, and it was a good thing I did. Since I bought the car, within not even six months, the AC compressor was bad, and then the fan. I brought the car back to the dealership three times already to fix the same problem. Zurich covered everything, and the customer service from them has been great. It's just that I had to pay the $100 deductible every single time I brought the car in for the same problem. Other than that, Zurich is great, especially for people who don't know anything about cars. It's just like an insurance in case of an emergency.

I hit a curb and something minor happened that caused some stuff on my car. I took it in the shop for all things that I thought I was going to have to pay and that wouldn't be paid by Zurich. But a lot of the things that needed to be done in terms of what happened to the tire were covered under the plan that I had purchased. I still have to pay for some stuff, but it was much less than I had anticipated. I spoke to them initially but everything else was handled, in terms of anything that was covered, by the dealership. I'm so happy I got it the coverage and I would highly recommend it. It's worth every penny.

Zurich's policy has a lot of underlying things that Zurich never told me when I took it out. For example, I have some paint chipping off. And they said that it was cosmetic so they wouldn't cover it. It was a thing on my tire. I used Zurich to try to get the tire. They paid for it. But because the rim was cosmetic, they wouldn't pay for the rim. And they never told me. I paid for tires. That was a separate bill. I paid for the paint. That's also separate. I paid certain things to be covered for a certain amount of years. When I need it, I shouldn't have to come out of my pocket because I'm paying Zurich for that. I pay all this money out. I think I'm covered, but not covered 100%. They ripped me off because they didn't tell me the whole truth.

Zurich's customer service was nice, but we had to pay for the engine first and we got the money back two years later. There was always something different they needed. It took a long time. At one point, we gave up because we thought we would not get it. Because we had to get a loan for 4,000 to pay for the engine. It shouldn't be that hard.

Getting Zurich is a good idea. I took my car to the dealership and they handled it with Zurich themselves.