Zurich Vehicle Service Contract

Zurich Vehicle Service Contract

Zurich Vehicle Service Contract
4.7(677)

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Overall Rating4.7 out of 5
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About Zurich Vehicle Service Contract

Zurich offers extended auto warranties, also known as vehicle service contracts, that help protect you from repair costs related to breakdowns or malfunctioning components. Its vehicle service contracts are available throughout the U.S. and Canada. Zurich has representatives available to answer coverage questions.

Pros & Cons

Pros

  • Also covers motorcycles
  • Comprehensive coverage available
  • Transferable plans
  • Roadside assistance

Cons

  • Limited availability
  • Low rental reimbursements

Bottom Line

Although Zurich warranties are only available at select dealerships, the company is still worth considering for its comprehensive coverage. It also covers powersport vehicles, which isn’t common.

Featured Reviews

Verified
Sidney Center, NY

It was a quick hassle free experience, I couldn't have asked for better service. I would buy Zurich coverage for all my vehicles in the future if I can. Even fully covered my rent...

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Verified
Poulsbo, WA

I have had to use the service contract 3 times now. Each time has made me immensely happy that I purchased it. So far the comprehensive service contract has lived up to what I was...

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Zurich Vehicle Service Contract cost

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

The best way to get an accurate price is to speak to a Zurich representative at an authorized dealership. They will be able to speak with you about your contract choices and what fits your budget.

Zurich offers your choice of deductible, including zero-deductible plans. Extended auto warranty deductibles generally vary, but a typical deductible is about $100.

Zurich extended warranty plans

Zurich currently offers three extended warranty plans for new and used vehicles. All plans contain certain exclusions, so just speak to a representative at a certified dealership for more information on which items are covered.

Powertrain
The Powertrain plan is Zurich’s most basic warranty coverage. It covers your vehicle’s:
  • Engine
  • Transfer case
  • Transmission
  • Drive axle(s)
Standard
The Standard plan covers everything the Powertrain plan covers, plus your vehicle’s:
  • Suspension
  • Steering
  • Brakes
  • Heating and AC system
  • Electrical components
Comprehensive
The Comprehensive plan is an exclusionary policy, which means it covers everything on your vehicle except certain components. The most notable coverage additions for the Comprehensive plan are your vehicle’s:
  • Cooling system
  • Interior
  • Exterior

Zurich Vehicle Service Contract coverage

Zurich covers repairs made at any ASE-certified facility or the dealership where you originally purchased your Zurich contract. Once the diagnosis is complete, have your repair facility call to file a claim with the Zurich claims team and obtain an authorization number. Once the repair has been authorized and completed, Zurich pays the repair facility directly.

Most plans also include emergency roadside assistance, rental car reimbursement and trip interruption coverage. Depending on the plan you choose, the rental reimbursement is up to $30 or $40 per day with a six- or 10-day maximum.

Trip interruption reimbursement benefits also vary, but most are $100 a day for three days. You only qualify for trip interruption reimbursement if you have a breakdown more than 100 miles from home, requiring you to remain there overnight.

Zurich Vehicle Service Contract 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. However, you can expect the Comprehensive warranty to cover your vehicle’s:

  • Engine
  • Transmission
  • Drive axle(s)
  • Transfer case
  • Suspension
  • Steering
  • Brakes
  • Heating system
  • AC
  • Electrical components
  • Cooling system
  • Interior
  • Exterior
Where are Zurich service contracts available?

Zurich's vehicle service contracts are only available at select dealerships throughout the United States and Canada.

Can I cancel my Zurich extended warranty?

Zurich’s website is not clear about its cancellation policy. However, industry standards indicate it may be possible. You may be charged a cancellation fee, and refunds can take one to two months. Since Zurich works with dealers to offer its plans, it may be a good idea to reach out to the finance department at your local dealership.

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. See the expandable module above for a more complete breakdown.

Is a Zurich extended warranty worth it?

A vehicle service contract from Zurich is worth it if you're buying a car from a certified dealership. A Zurich representative at the dealership should be able to speak with you and help you choose the right plan. Zurich extended warranty plans are also available for motorcycles and ATVs, making the company a good choice if you’re wanting to keep your other vehicles protected.

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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Page 1 Reviews 0 - 5
Verified purchase
Customer ServiceCoverageTech

Reviewed Aug. 8, 2023

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.

Recently, I hit a pothole and my tire was leaking. I went into the dealership for an oil change and they told me about the tire issue. I told them I have coverage for that but they couldn't find my coverage. They sent me home with a bad tire which I wasn't pleased about. I had to go home, get my paperwork, come back and show proof of it. I sat there for another couple of hours while they had to do my tire. I should have been a priority because I had already been there. But they said that they were very busy, and they would get to my car when they could. But I like that I didn't have to do anything but bring my car in, and it was all set.

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Response from Zurich Vehicle Service Contract

Hello Beryl,

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

Sincerely,

The Zurich Customer Care Team

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    Verified purchase
    Customer ServiceClaims HandlingTechRefunds & Payouts

    Reviewed June 24, 2023

    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."

    He then went to the second page and found that Zurich is my provider. It was at this time that I heard about Zurich and that they are my tire protection provider. They're standing by their service and I'm happy. I'm glad I have that service. Keep up the nice job and keep the customers happy. I hope they stand by their product, the plan, the warranties, and the stuff they offer.

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    Verified purchase
    Customer ServiceTechPunctuality & Speed

    Reviewed April 16, 2023

    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.

    My O2 sensor was bad and the dealership called Zurich. They said they had the same problem with having to be on hold for so long, but they finally got through and it was approved. And I just paid my $100 copay. As far as the repair, the dealership didn't reset my check engine light. So, the first time I drove the car after having it repaired, it came on again, and I was having the bad gas mileage again. So, I had to take it back in and leave it overnight again. It was a big inconvenience because of their lack of resetting the check engine light. The first time, they offered rentals but the second time, they didn’t. But I was thinking they’ll take it to the car wash. They have one there. But they didn’t. Still, the Zurich service vehicle contract is something good to have. It's peace of mind. If you have something go wrong with your car, then it's good backup to have.

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    Response from Zurich Vehicle Service Contract

    Hi Nancy,

    Thank you very much for taking the time to share your feedback about your experience with Zurich. Information about your experience helps us understand and improve our service, the information you provided will be shared with our customer service team.

    Thank you again, we appreciate your business!

    Sincerely,

    The Zurich Customer Care Team

    Verified purchase
    Customer ServiceClaims HandlingCoverageTechPricePunctuality & SpeedOnline & App

    Reviewed Nov. 9, 2022

    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.

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    Verified purchase

    Reviewed Oct. 14, 2022

    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.

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    Verified purchase
    Customer ServiceCoverage

    Reviewed Sept. 13, 2023

    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.

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    Verified purchase
    CoveragePrice

    Reviewed Sept. 13, 2023

    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.

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    Verified purchase
    CoverageRefunds & Payouts

    Reviewed Sept. 12, 2023

    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.

    There shouldn't be any undercover stuff like cosmetics that where they don't pull it out at the time a person purchases it. They only told that I would be covered if this happens, if the paint does this. I didn't hear about, "If it's cosmetic, it doesn't pay it." How would I know if it's the cosmetic versus something else? I was very disappointed, not once but twice. Would I recommend them to a friend? No. Would I buy them again? No. I would not waste my money to invest in something that I thought would be good for me and turned out to where they never gave me anything.

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    Response from Zurich Vehicle Service Contract

    Hello, Margaret,

    Thank you for sharing your feedback. Zurich has 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 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

    Verified purchase
    Customer ServicePunctuality & SpeedRefunds & Payouts

    Reviewed Sept. 12, 2023

    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.

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    Response from Zurich Vehicle Service Contract

    Dear Quionta,

    Thank you for sharing your feedback. Zurich has 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 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

    Verified purchase
    Tech

    Reviewed Sept. 12, 2023

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

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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