Zurich Vehicle Service Contract Reviews

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Edited by: Jon Bortin

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. Zurich has representatives available to answer coverage questions 24/7, 365 days a year. It also claims 40-plus years of experience.

Pros
  • Also covers motorcycles
  • Comprehensive coverage available
  • Transferable plans
  • Roadside assistance
Cons
  • Limited availability
  • Low rental reimbursements

Featured Reviews

Poland, OH
Verified purchase
Zurich offers a good protection plan, adding value past the original warranty, especially with how expensive vehicle repairs can be nowadays. I am absolutely satisfied with Zurich...

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Greensburg, PA
Verified purchase
My experience with the dealership was positive—everything was handled for me, and I didn't have to worry about submitting the claim through Zurich myself. The process was remarkab...

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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 only covers named components, including:

» LEARN: What does a powertrain warranty cover?

Standard

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

  • 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. This type of plan is sometimes called a “bumper-to-bumper warranty.” Coverage includes everything in the two previous plans plus notable additions, including your vehicle’s:

  • Cooling system
  • Interior
  • Exterior

The Comprehensive plan excludes parts not specifically listed in your contract, such as cosmetic trim, tires, batteries, exhaust components and nonfactory installations. Routine maintenance, wear-and-tear items and damage from rust, leaks or noise are also not covered.

» COMPARE: Best extended car warranties

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 file a claim with the Zurich claims team and obtain an authorization number by calling 800-643-9059. Once the repair has been authorized and completed, Zurich pays the repair facility directly. You may have a deductible, and you’ll have to pay for any noncovered expenses out of pocket.

Every plan also includes 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.

» LEARN: Car warranty vs. car insurance

Zurich Vehicle Service Contract additional coverage options

Along with its three service contract plans, Zurich also offers these coverages (separate fee applies):

  • Road Hazard Tire & Wheel (car or truck)
  • Road Hazard Tire & Wheel (motorcycle)
  • Prepaid Maintenance Contract (maintenance at the dealership you purchased from only)
  • Guaranteed Asset Protection (GAP)
  • Universal Security Guard (theft protection)
  • Premier Dent Coverage
  • Simoniz GlassCoat and MotoTect (paint protection)
  • Zurich Shield (windshield protection)
  • Key protection (key replacement)

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, 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
  • AC
  • Electrical components
  • Cooling system
  • Interior
  • Exterior
What is the Zurich vehicle service contract coverage?

The Zurich vehicle service contract is an extended warranty that 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. See the expandable module above for a more complete breakdown.

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 by calling 800-643-9059.

Where are Zurich 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 at 888-835-5063. Additional details are outlined in your contract under the “Cancellation of Contract” section.

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 want 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
    Claims HandlingCoverageTech

    Reviewed March 6, 2025

    The persuasive approach of the sales associate helped me decide to opt for a vehicle service contract with Zurich, and when I had an issue with my tires, the claim process was straightforward. I went through the dealership and I appreciated that I didn't have to handle much of the paperwork myself. Initially, the coverage for my vehicle repairs met my expectations. However, I encountered issues later, although I'm uncertain if these were directly related to the company or the dealership.

    I did save over $600 on two tires, which was a significant relief even though I wished the costs were lower. Rating the price, I'd give it a 4 out of 5. On the downside, I faced an issue with another tire and instead of immediately replacing it, I had to visit the dealership multiple times before it was finally resolved. The dealership told me that Zurich wouldn't cover the problem, but I don't know whether or not that was true. My first two tires were quickly dealt with due to having nails in them, but the third had recurring low-pressure alerts. When I brought it in, it was fine, then I brought it in again and the dealership said, "The sensor and everything's fine. I don't know why. If it happens again, we'll push it through."

    I had to bring the car in a third time and finally it got pushed through. I don't know why they didn't just take care of it the first time I brought it in. Granting that there was nothing in the tire, I get their perspective that there's nothing wrong with it, but when it happens the second time, clearly, something's going on with it. That was annoying, but I can't necessarily say it was Zurich 'cause I didn't talk to them. I had the dealership deal with the whole thing, and that's what they told me.

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    Zurich Vehicle Service Contract
    Response from Zurich Vehicle Service Contract

    Hello Gabrielle,

    Thank you for sharing your detailed experience with us. We're glad to hear that the claim process for your first tire issue was straightforward and helpful. While we're pleased that you could save significantly, we apologize for the inconvenience you faced with having to repeatedly visit the dealership about the third tire. It's evident there was some confusion, and we empathize with your frustration.

    It appears the dealership managed most of the interaction, but your ability to rely on our coverage on initial visits is something we appreciate our services high standard can uphold. If any additional clarification with our services or any further assistance is needed, please reach out so we can support you better. vscclaim@zurichna.com

    Thank you once again for choosing Zurich, and we hope this enhances future support interactions.

    Sincerely,

    The Zurich Customer Care Team

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      Verified purchase
      CoverageTechRefunds & Payouts

      Reviewed Feb. 23, 2025

      I purchased Zurich's protection plan through the dealership when I bought my GMC vehicle to avoid repeating a past mistake. Years ago, I declined a similar offer, only for the transmission on my vehicle to fail shortly after. This time, based on that experience, I decided to accept the plan.

      The signup process was straightforward and happened around five years ago. From what I remember, they simply informed me of the plan's details and cost, and I decided to proceed with it. The program, as I recall, activates immediately for used vehicles not covered under any manufacturer's warranty, working either up to 100,000 miles or for ten years.

      I've used the service for repairs, although I don’t remember specific issues covered. Generally, I go to a shop, they identify the problem, and manage the warranty claim, leaving me just with the deductible to cover. There was an instance where an electrical part wasn't covered, whether by Zurich's denial or the dealership's decision not to contact them. That part I had to pay out of pocket, which was disappointing.

      If I were to rate my experience, I'd give it a 4 out of 5. The plan has been beneficial, though there are areas for improvement, specifically around coverage of electronic components. Many newer vehicles have electronic parts integral to their operation that aren’t covered, which can be frustrating.

      I would recommend Zurich to friends and family, particularly for older vehicles, given today’s complex and often unreliable manufacturing standards. It’s crucial for financial peace of mind in cases of major failures like engine issues. For any newer vehicles still under standard warranty, I recommend considering Zurich’s plan once those warranties expire.

      In all, Zurich’s protection plan provides a sense of security by partially alleviating the financial strain of unexpected, potentially costly, vehicle issues.

      Thanks for your vote!
      Zurich Vehicle Service Contract
      Response from Zurich Vehicle Service Contract

      Hello Christopher,

      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! 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 ServiceClaims HandlingCoverageTechPrice

      Reviewed Dec. 22, 2024

      I recently had a frustrating experience with my 2020 Ford Explorer that led me to interact with Zurich's vehicle service contract. The dealership visits turned into a nightmare, especially with ongoing issues like the collision camera system malfunctioning, and a rattling speaker in the passenger door that wasn’t resolved until after multiple complaints. Even after they fixed the speaker, my driver speaker started having the same problem as the passenger side one.

      Despite these dealership troubles, the Zurich service contract has been a great help. For example, when my transmission started shifting extremely hard, thanks to Zurich, I only paid $100 for a repair that would have otherwise cost nearly $5,000. This service contract has been a blessing, covering several issues, even though I've had to pay numerous deductibles. People should save their money and buy a protection plan because two years after you purchase the transmission, it is not gonna be affordable out of your pocket.

      I initially bought the service contract because my pre-owned vehicle had 65,000 miles, and I wanted peace of mind. Filing claims was straightforward as the dealership handled everything with Zurich. However, there was a downside; I faced a $1,200 shock because the coverage didn't include suspension items like struts and shock absorbers, despite being assured it covered everything except paint and interior wear and tear.

      On the bright side, whenever I needed to call Zurich for questions, their customer service was always excellent, which was reassuring. While my experience with the coverage and claims process was generally positive, the purchase experience wasn’t. The finance manager misinformed me about what the coverage included, emphasizing selling the product over understanding my needs.

      Overall, I'd rate my experience with Zurich favorably.

      Thanks for your vote!
      Zurich Vehicle Service Contract
      Response from Zurich Vehicle Service Contract

      Hello Christopher,

      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

      Verified purchase
      Claims HandlingCoverageTechPricePunctuality & Speed

      Reviewed Dec. 19, 2024

      I decided to purchase Zurich's vehicle service contract due to a persuasive pitch from the dealership. We got a used vehicle, and my wife wanted the additional coverage, not knowing what expenses might come up.

      I recently had a repair experience with my 2017 GMC and everything went well on that. The repair involved electronic issues, specifically the rear switch climate control, and the process began with a call to the dealership. They conducted a diagnostic check and confirmed it was covered under our warranty. We had to go in twice. There were some delays due to the unavailability of parts, but once they had everything, repairs were completed swiftly within a couple of hours and we never had to see a bill.

      The vehicle service contract has been a great investment, saving us nearly a grand overall. Although we rarely use a service contract as our vehicles typically don't have many issues, this GMC did present a few challenges. It's nothing that anybody did though. It's just certain parts and chips were failing and needed to be replaced. Each time we've had a claim, it has been fully covered.

      Overall, I've had a very positive experience with Zurich. Initially, I rated them 4.5, but decided to go with a solid 5 for overall service, with a 4 for the coverage details, mainly due to being able to understand it. The price we paid for the service contract has been well worth it; it has paid for itself more than twice over. The claims handling process has been flawless. The dealership made it perfect. I definitely recommend Zurich's vehicle service contract for the peace of mind and savings it's provided us.

      Thanks for your vote!
      Zurich Vehicle Service Contract
      Response from Zurich Vehicle Service Contract

      Hello Daniel,

      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

      Verified purchase
      Claims HandlingCoverageTech

      Reviewed July 21, 2024

      I put in a claim to Zurich for my 2021 Ford. There was something wrong with it. So, I took it to the dealership in Lakeland. The claims process was easy. I did have to take it back multiple times because they couldn't fix the problem. So, that wasn't fun. I told them the problem and what to do to replicate it. They just said they couldn't find it or that they fixed it. The first time I dropped it off, I told them what the problem was. They told me it was fixed. So, I picked it up. And as I was driving off of the lot onto the main road, I took a turn and I heard the noise again. So, they didn't fix it. I had to turn right back in there and complain. They were like, "Okay. Well, come back. We'll have to schedule another day." So, I scheduled another day. That happened twice. On the third time, I took it back. It's fixed and it was covered under warranty. Now, my car runs smoothly. Although I did recently have another error code pop up.

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      Zurich Vehicle Service Contract
      Response from Zurich Vehicle Service Contract

      Hello Colby,

      We have a high standard for the service we provide, and we're happy to hear you were pleased with your experience! We have reviewed the claims submitted for your vehicle and show that everything was covered without an issue. We're sorry to hear about the difficulty you experienced with scheduling and getting work completed with the dealership. If you would like to discuss your concerns with us, please contact us at: vscclaim@zurichna.com

      Sincerely,

      The Zurich Customer Care Team

      Claims HandlingCoverage

      Reviewed June 26, 2025

      Zurich denied my two claims by citing a provision in my contract that says if a non covered part fails and damages a covered part that covered part is not covered. There are many sneaky reasons they can deny your claims so do not purchase this service contract and save yourself thousands

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      Zurich Vehicle Service Contract
      Response from Zurich Vehicle Service Contract

      Hello, Gary,

      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. We have reviewed your claims and see that everything is in line with the coverage in your policy.

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

      Sincerely,

      The Zurich Customer Care Team

      Verified purchase
      CoverageTech

      Reviewed June 25, 2025

      I was prompted to explore extended coverage options for my vehicle, and Zurich was recommended by the dealership as an extensive bumper-to-bumper plan up to 150,000 miles. The dealership managed all of the setup for me, which made the process seamless. I haven't experienced any issues thanks to this coverage, and it’s reassuring not to have to worry about potential vehicle problems up to the specified mileage limit.

      Thanks for your vote!
      Zurich Vehicle Service Contract
      Response from Zurich Vehicle Service Contract

      Hello,

      Thank you for sharing your experience with Zurich's vehicle coverage. We're delighted to hear that our extensive bumper-to-bumper plan has provided you with peace of mind for up to 150,000 miles and that the dealership made the setup process seamless for you. Your reassurance in not having to worry about potential vehicle issues means a lot to us. We strive to offer you reliable service every mile of the way.

      Sincerely,

      The Zurich Customer Care Team

      Verified purchase
      CoveragePrice

      Reviewed June 25, 2025

      The sign-up process at Zurich was straightforward and easy. Though I haven't had the chance to use the service yet, the coverage appears satisfactory. However, I find the cost a bit on the expensive side. While my experience hasn't extended into making repairs, I would still recommend their service.

      Thanks for your vote!
      Zurich Vehicle Service Contract
      Response from Zurich Vehicle Service Contract

      Hello Bradley,

      Thank you for sharing your experience with us! We're thrilled to hear the sign-up process was straightforward and that you find our coverage satisfactory. We understand that pricing can be a factor to consider, and we appreciate your recommendation despite this aspect. Should you need further assistance or if there are any specific areas of our service where you need clarification, please don't hesitate to reach out. We are committed to ensuring your future experiences remain positive.

      Sincerely,

      The Zurich Customer Care Team

      Verified purchase
      Customer ServiceCoveragePunctuality & Speed

      Reviewed June 16, 2025

      Zurich was offered at the time of purchase, and I hadn't realized much about it until I actually started using it. Whenever I reached out to them with questions or coverage clarifications, they responded effectively and assured me that my needs would be taken care of. There was one specific instance where something wasn't clearly listed in my pamphlet, but upon calling them, they confirmed it was covered. My mechanic received authorization swiftly, and the repair was completed almost immediately.

      I've been with Zurich for about 4.5 years now. Despite a small hiccup regarding towing services, which was quickly resolved, their services have been outstanding overall. I'd recommend them without hesitation, especially as I'm planning to renew my contract once it expires. My 2016 Dodge Challenger has benefited from their prompt service, and the customer support has been exceptional.

      Thanks for your vote!
      Zurich Vehicle Service Contract
      Response from Zurich Vehicle Service Contract

      Hello Brad,

      Thank you for taking the time to share your wonderful experience with Zurich. We are thrilled to hear that our team was responsive and proactive in addressing your questions and ensuring seamless repairs for your Dodge Challenger. Although you encountered a minor tow service hiccup, it’s great to know that it was swiftly resolved, keeping your overall experience positive. Your satisfaction and continued trust in extending your contract mean a lot to us.

      Sincerely,

      The Zurich Customer Care Team

      Verified purchase
      Claims HandlingTech

      Reviewed June 15, 2025

      After a flat tire incident in February, I had the tire replaced and paid for it upfront, expecting reimbursement through my Zurich coverage. Despite following up with the dealership, who unfortunately no longer use Zurich due to a change in management, I'm still waiting for the reimbursement check. What added to my frustration was that the representative from Zurich seemingly ignored the dealership's inquiries, which has delayed my claim considerably. I highly hope for a direct resolution from Zurich soon.

      Thanks for your vote!
      Zurich Vehicle Service Contract
      Response from Zurich Vehicle Service Contract

      Hello David,

      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. I see that there was a paid claim just before this one that you have brought to our attention. Our records show this specific claim that you mention here, was not pre-authorized and those take a bit longer to process. I do show that this one has been since processed successfully. If you feel otherwise, 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

      Resolution In Progress
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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