Zurich Vehicle Service Contract Reviews

The process was smooth. They told me the repair would take three or four hours. They said there were no problems but they had to look into it further. When they did the repair, the mechanic said it might be more damage, but it wasn't. It's a local dealership, and I know them. We've always bought our vehicles there and we have everything serviced there as well so it was great. However, when I purchased the warranty, I did not know there was a $100 deductible. It's no big deal but I don't think that was ever explained to me the time I purchased it. Other than that, I was very satisfied with my experience and I would recommend Zurich.

So when I worked with the finance department at the dealership, I told them I wanted the kind of warranty program that is like what you get during the first 12 months. So they helped me get the correct coverage that I wanted with the correct term, then they built it into my payment and made it affordable. They spent a lot of time with me and when I went back to the dealership with a question on something, the person that was working there in the finance department said that Zurich was one of the best warranty programs I could get, so they spoke highly of Zurich as well.

I previously bought another warranty on a different Yukon that I had and when I had problems with the rear deicer and the back windshield had to be replaced because it was built in it, I found out that they made the agreement effective when the car was made. But it was a used vehicle, so I lost a year and a half worth of coverage. When I called the dealership and spoke with the head of service, I couldn't get anywhere. I was so upset because it was a scam. So when I went to Zurich, I was very gun-shy. I knew I wanted it, but I was worried because of what had happened the first time. But none of my fears have been realized, just the exact opposite. I've been very happy with it.

The whole setup was a bit opaque, though. I didn't realize who was underwriting it—Zurich, that is. I paid for the service warranty separately from my car payments and believe that any German car owner should consider such a service if their vehicle's original warranty has expired. The accumulated maintenance costs, like oil changes and brake fluid replacements, can really add up, making the contract worth it.

For friends or family owning similar cars, I'd strongly advise looking into this kind of coverage if they plan to keep their vehicle beyond the manufacturer's warranty. It simplifies a lot into set expenses rather than unpredictable ones.

Overall, I rate the experience with Zurich quite highly. Although I felt there could be clearer communication about who was providing the service, it worked smoothly for what I needed. Hence, a five-star recommendation would be fitting if Sterling could make the party offering the coverage more transparent.

However, my confidence wavered when I realized they charged additional tax, which came as a surprise. The paperwork highlighted the $100 deductible clearly but omitted any mention of tax. My expectation was to pay just the deductible as told, especially since Zurich was touted to cover everything, including electronics, under the agreement. For significant repairs, this unexpected tax could mean a hefty additional cost.

Despite these issues, my claims experience has been decent, with Zurich covering the essential parts and labor. Though one instance involved paying labor for a simple computer reset. Each time I've ended up paying a sales tax of 5.5%, which I hadn't foreseen based on initial discussions. I still haven't reached out to Zurich about this misunderstanding, but plan to do so soon.

Since joining in May, service repairs have included coordination by the repairing garage, limiting my need to directly interact with Zurich, and emphasizing seamless support. If someone inquired about Zurich, I'd affirm their coverage reliability but advise caution regarding sales communications—transparency needs improvement.

Overall, my satisfaction scores a tentative 4: their service fulfills the core agreement, and I’d go for a 3 on the price.

When it comes to Zurich's overall performance, I'd rate them around 4 out of 5. The primary issue I experienced was the wait time during phone calls, with multiple transfers between departments. If that could be expedited, they would be the best. It can be quite frustrating when you’re already dealing with the stress of a vehicle under warranty that has malfunctioned. However, once I was in touch with the appraiser, things proceeded smoothly. The appraiser really went above and beyond. Usually, workshops, like the one I went to, can't stand the hassle of being on hold, given they have tight schedules. But this appraiser took it upon himself to contact the workshop personally to resolve everything efficiently. It’s professionals like him that make the difference. Zurich should give him kudos and a bonus.

I hope Zurich considers streamlining their initial call process to make it less cumbersome for customers starting a claim. It'd make the challenging experience of dealing with a vehicle malfunction a lot more bearable.

Everything went through the dealer. I took my car to the dealer and they worked with Zurich. The dealer sent everything to them. The dealer got it back that same day which my truck was able to be repaired quickly. I like that I pay the deducrible and I get the rest covered. Hopefully, I have no more issues and Zurich will be able to cover those if they happen.