Zurich Vehicle Service Contract

Zurich Vehicle Service Contract Reviews

4.5
859 reviews
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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. Zurich has representatives available to answer coverage questions.

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

Featured Reviews

Tunbridge, VT
Verified purchase
The couple of times I've had to use Zurich, it's been seamless. I submitted a claim recently for a pump that might have been broken. I had the vehicle towed to the dealer and they...

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Richmond, VA
Verified purchase
Setting up a policy with Zurich on my 2018 Honda was very easy. They did everything for me. I filed a claim for a repair and it went well. They fixed the issue, and it was covered...

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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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    4 featured reviews
    How do I know I can trust these reviews about Zurich Vehicle Service Contract?
    • 4,606,585 reviews on ConsumerAffairs are verified.
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    Page 1 Reviews 0 - 5
    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.

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    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

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      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.

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      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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      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

      CoverageTech

      Reviewed June 5, 2024

      I originally leased a 2021 Chevy Tahoe high Country fully loaded beige in color. Loved the ride love the car. My son-in-law drove my car loved it couldn’t say anything bad about the car. Then he came time to turn return my car and get another Chevy Tahoe (High country) for a new car they didn’t have what I wanted and the miles had gone over and the car was in an accident with someone Who sideswiped me? Almost T-bone type of accident. My car was fixed perfectly. Then I had to purchase the car. I purchased the car and I always get the extended warranty from the manufacturer, but since it was an older car, that was not an option so I did my research and I picked zurich even though it cost was comparable to all the other Warranty companies out there I didn’t decided to get the best advice from the service technicians who work on these different warranty companies two different dealership service department both recommended Zurich.

      I knew that I needed to have peace of mind and I made the decision to buy a zurich extended car Warranty. After driving my car for about two months after I purchased the vehicle I’m Miss zurich extended car warranty my water pump blew and cause a lot of damage. Zurich extended car warranty spent over $2000. to repair that problem. Right after the repair was complete My car Still had an issues that was related to that original water pump problem and they end up spending and additional $1500. That’s a total of about $3500. That zurich saved me plus the Rentacar for about two weeks. I want to be very clear all of that quest absolutely nothing not even a deductible. They also gave me a Rent-A-Car for several weeks for both repairs.

      Zurich is the greatest insurance policy that I ever bought or you should ever buy. There was no double talk no problems, Everything was covered. If you ever wanted to buy a car Extended Warranty stick with a proven extended car warranty that’s proven like zurich I swear by this company and if you ever believe A review, I’m telling you to believe me , I’m not getting paid or compensated in any way whatsoever for this honest and unbiased review. I just felt at the company did a great job with my car and that pleased. I thought I cannot help but write this review.

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      Response from Zurich Vehicle Service Contract

      Hello Steven,

      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
      Customer ServiceCoverageTechPunctuality & Speed

      Reviewed Feb. 22, 2024

      The most recent repair I had was related to the windshield wiper fluid motor needed to be replaced. It was taken care of but now, I still have a warning popping up that I have. I may have to visit the dealer to address that separately. But that has nothing to do with the current service and how quickly that turned around. Having the contract with Zurich has helped. There was a situation that occurred the last time that I had a need for repair on the vehicle that the contract did not cover. So I reached out to Zurich and spoke with a rep, and the dealer did as well. It was a situation where the door handle broke from the inside of the door so it would not work, and in order to access the door handle, they had to disassemble the trim.

      The trim is specifically stated as something that is not covered by Zurich. We did try to go and have conversation by nature about the way the vehicle is built. So that caused a little bit of frustration on my part, just navigating that and ending up with that responsibility myself, financially. But it is clearly stated in the contract. So at the end of the day, I just had to understand it and move on. Overall, I would recommend Zurich. Read your contract carefully and just understand what is and is not covered. If it is covered, you may have to sit on hold for 30 to 45 minutes to reach a rep. Once you do get somebody on the phone, it's a very easy and quick review process. Then the payment to the dealer is immediate. So it is hassle-free and trouble-free as long as it's covered.

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      Response from Zurich Vehicle Service Contract

      Hello Patricia,

      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! Please do revisit the dealership to address the warning that you are still seeing. We are grateful to hear your appreciation for Zurich's reliability regarding repairs to your vehicle.

      Sincerely,

      The Zurich Customer Care Team

      Verified purchase
      Tech

      Reviewed Feb. 2, 2025

      When I bought a car, they offered us a wheel insurance. I made two claims. I just brought my car to the dealer and they fixed the wheels. I'm happy with Zurich and I will recommend it.

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      Verified purchase
      Tech

      Reviewed Feb. 1, 2025

      The dealership offered Zurich for my old car and my experience has been good so far. I've used it twice and both times, my mechanic handled everything. Recently, they had to repair something on my radiator. I paid the deductible and Zurich took care of everything else. It's worth looking into getting.

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      Verified purchase
      TechPunctuality & Speed

      Reviewed Feb. 1, 2025

      I took my vehicle to the dealership and they got in contact with Zurich and everything was taken care of as far as the tire goes. I was satisfied with Zurich. I had no issues or complaints. Their process was fast, easy, and simple. Zurich is worth getting on a vehicle.

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      Verified purchase

      Reviewed Feb. 1, 2025

      They didn't give me any problems.

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      Verified purchase
      Customer ServiceClaims HandlingCoverage

      Reviewed Feb. 1, 2025

      We bought the insurance in 2022 and we're not happy with Zurich. When we bought the vehicle, we bought the insurance so it would be covered if something went wrong because we knew we had an expensive vehicle and we wanted to keep it in good shape just in case something happened. We spent that extra money to make that happen and it was a waste of our money.

      We spent $1,400 when we bought our vehicle and we called in and told Zurich we had a claim, and they said they wouldn't touch it. We needed some stuff repaired on the truck and the rep said it wasn’t something that they did. It’s been two weeks since I called and told them that we wanted to get this truck fixed back into normal shape, and I haven't sat down and read the contract deeply. But I want to because they need to repair it and I need to either claim it differently or say it differently. I don't know exactly how I'm going to deal with it but I'm gonna try it again. I wouldn't recommend Zurich to somebody. You're vulnerable when they're writing all the money up and you take it. Now, we have to make two extra payments on that truck to pay off the amount we took out.

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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