
Zurich Vehicle Service Contract Reviews
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About Zurich Vehicle Service Contract
Zurich offers vehicle service contracts (VSCs), often referred to interchangeably as extended auto warranties, that help cover the cost of certain repairs after a manufacturer’s warranty expires. These plans are typically sold through authorized dealerships and can help pay for parts and labor related to covered mechanical breakdowns. Zurich VSC is part of the Zurich Insurance Group, which has more than 150 years of experience in the insurance and risk management industries.
Visit www.zurichna.com- Covers multiple vehicle types, including motorcycles
- Offers comprehensive coverage options
- Plans are transferable to a new owner
- Includes roadside assistance benefits
- Only sold through dealerships
- Limited plan transparency online
- Pricing varies by dealer
Zurich Vehicle Service Contract Reviews
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Reviewed July 2, 2026
They covered one claim and now are denying a claim on a technicality. Faulty seal let some water into the cab. Seal replaced and now they won’t pay for it. I am stuck with a 600 dollar bill they won’t cover. Still on hold for a 1/2 an hour. Still waiting.
Hello Lee,
Thank you for sharing your feedback. We have 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 would be willing to discuss your concerns with us, please contact us at: vscclaim@zurichna.com or by calling 800-643-9059.
Sincerely,The Zurich Customer Care Team

Reviewed June 26, 2026
Denied claim for failed headlamp. We bought the warranty when we purchased our used 2021 Suburban. Recently the driver side headlamp failed and faced the ground. The adjuster failed inside of the assembly causing it to be unable to be corrected. We contacted Zurich the next day and they stated if there is no physical, water, or moisture damage that the part will be covered because its a sealed enclosed part. Called around and dealerships were back ordered on them. 2 weeks later our local dealer contacted us stating they got 2 in stock.
We contacted Zurich again to confirm the deductible amount and if they will work without local dealership. She asked what the issue was and we explained it again. She stated yes, they will work with our local dealer and to leave them our information so they can contact the claims department. She stated the same thing the other representee did as the part will be covered is there is no physical exterior damage from being hit or in an accident or water seeped into the part. So, we went ahead and scheduled for the car to be taken in.
Next day dealer called stating Zurich denied the claim and we now have to pick the car up or approve for the repair. We told them denied why, they stated the adjuster told them that it is denied because they can't prove we did not overturn the adjuster causing it to fail. Nor they cannot prove we didn't. So, for that it is denied. We were then stuck with a $325 diagnostic charge. Service Advisor did mention the adjuster told him to ask us to approve the tear down of the headlight assembly itself to determine the cause. We told them why would we approve that to up the charge just so they can deny it again leaving us with a completely unusable headlamp assembly. We contacted customer service and told them; we were told by TWO reps this part is covered given the circumstances.
If they once stated there was a high chance it would be denied we would have not taken the car in and used that 325 to a brand-new assembly and done it ourselves or hire someone. We did explain to the Zurich Rep that a simple search online will show numerous complaints of the same exact thing at a verity number of miles and all in the same generation models these headlamps were used. The cause is a thin piece of plastic, adjuster, holding a heavy headlight assembly and with bumpy roads, cold and hot weather it will cause the part to become brittle and mix with the bumpy roads complete break and fail. even with numerous complaints and reports from the NHTSA they still denied the claim stating it was our fault.
Hello Angel,
Thank you for sharing your feedback. We have a high standard for the service we provide, and your experience should be no exception. It looks like your claim was escalated to management and coverage has been applied for the repair under the terms of your contract.
Sincerely,The Zurich Customer Care Team
Reviewed June 19, 2026
They are terrible. I’ve been waiting months for them to even review my claim. I was just told it could be two more months. They do not respond to emails. The email on the contract is not the email you’re supposed to use. I even have to wait 30 minutes on hold just to be told the right email.
Hello Thomas,
Thank you for sharing your feedback. We strive to deliver a consistently high level of service at Zurich, and we’re sorry your experience did not meet that standard. Your input is important and helps us improve. Because the repairs were completed without pre-authorization, an additional review is required. If you’ve already submitted your invoice, it will be processed in the order it was received. If you have not yet submitted your invoice, you may email it to vsc.review@zurichna.com. To check on the status of your claim, please call us at 800-643-9059.
Sincerely,The Zurich Customer Care Team
Reviewed June 18, 2026
I sent in a claim to Zurich when we had a screw in our tire. I had a great experience with that claim. The warranty on tires is worth it because that's an expense that you don't have to worry about. If we extrapolate that out to Zurich, it's well worth doing that.
Hello Robert,
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

Reviewed June 8, 2026
Turbo went out. Dealer said hole in turbo leaked oil in catalytic converter clogged converter. Zurich said sparkplugs caused the issue. Spark plugs were changed 6 months ago. What a rip off. I paid 2.500 dollars for coverage. Had second 3rd party mechanic look. Turbo had leak. These people will say anything to deny coverage. Really. Spark plugs was their reason. Beware. This car coverage is a scam.
Hello Mike,
Thank you for bringing your experience with the turbo claim to our attention. Following your request for a second review, we conducted a thorough evaluation and are pleased to share that coverage has now been approved for your turbocharger repair.We sincerely apologize for the frustration this situation may have caused and appreciate you taking the time to reach out. We hope this resolution meets your expectations and helps restore your confidence in our coverage.
The Zurich Customer Care Team

Reviewed June 5, 2026
Terrible customer service. An issue that should have been repaired in a week took 3 weeks because Zurich kept trying not to pay for the items that failed on one of our business trucks. Only paid 500.00 and I had rental truck for 3 weeks and had to pay 3300.00 out of pocket because they kept dragging the payment to car deanship. While our truck languished in the dealer's lot. I have paid out over 4000 for a policy with an place that disputes everything to not pay. All together I have paid out over 7000.00 dollars to get our truck running again. Their answer they only pay out 500 for a rental. It's not our fault it sat at the dealership why they and Zurich argued over the repairs.
Hello Michael,
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 sent you a private message for additional information on your claim.
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
Reviewed June 5, 2026
I sent in a claim when a pothole caused my tire to blow out. I went to the Volvo dealer and the whole process took two hours. It was a seamless process.
Hello Fred,
Thank you for providing your feedback. We are glad to hear that the process went smoothly for you. If there's anything else we can do for you or any future assistance you might require, please let us know.
Sincerely,
The Zurich Customer Care Team
Reviewed June 4, 2026
I would highly recommend Zurich Vehicle Service Contract. I recently had a nail in a tire. The dealership handled everything with it. They filed the claim. They pulled my tire off, made it so that everything was good. Got a new tire ordered and replaced it. They made it seamless. I'm very pleased.
Hello Lindsey,
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! Thank you for the great endorsement!
Sincerely,The Zurich Customer Care Team
Reviewed May 30, 2026
When I got a nail in my tire, I called Zurich, but it took me a long time to get to speak to anybody. I wanted to know where I could take the car in. They told me two places, and I went to Tuffy’s. But they said they don't handle road hazard claims. I went to Goodyear Gulf Breeze Tire in Goodyear, and they were very nice and took care of it. I'm pretty satisfied with Zurich. I would tell others to go with them.
Hello Gregory,
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
Reviewed May 29, 2026
I have a car with tires that are very thin. With the potholes here in Massachusetts, I knew that, eventually, I would blow out a couple tires. That was what exactly what happened. For claims with Zurich, I just take my car into the shop and I give them my claim number, and they handle the rest. It's seamless.
Hello Kevin,
Thank you for sharing your feedback about your experience with Zurich. We appreciate your trust in our service. It's great to hear that the claims process was seamless and that our support helped address your tire issues efficiently. Please don't hesitate to reach out if there's anything more we can do for you, as we strive to provide the best care and support for our customers.
Sincerely,The Zurich Customer Care Team
Reviewed May 28, 2026
I like having Zurich. I used their service when a tire got damaged on my vehicle and I had an awesome experience. They paid their share in the cost of the repair.
Hello Albi,
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

Reviewed May 27, 2026
I bought Zurich’s comprehensive protection plan on a new Hyundai Tucson. Less than two weeks later, I hit a curb, damaging the left front rim and destroying the tire by tearing a chunk out of the sidewall. My dealer was informed that hitting a curb did not constitute a road hazard, therefore no coverage. Lesson learned: for any future claims, regardless of what happens, the cause will be “hit by an unseen object in the middle of a dark road at night."
Hi Ken,
Thank you for sharing your feedback. We have 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
Reviewed May 27, 2026
My Zurich claim experience was pretty smooth. I had a nail in the rear passenger tire, and I assumed that I would have to pay for that, but their guy did mention that it covers all these things. I didn't think that would happen. I took the car in to the shop, and I didn't have to pay any copay or anything. So, I feel satisfied with them. It was completely free to fix the tire.
Hello Devin,
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
Reviewed May 20, 2026
I'm very satisfied with Zurich. Their price is good, too.
Hello Lynne,
Thank you for sharing your feedback. We're thrilled to know that you're satisfied with Zurich's services and that you find our pricing advantageous. Providing value and quality is paramount to us, and we're delighted that your experience meets your expectations.
Sincerely,
The Zurich Customer Care Team
Reviewed May 5, 2026
My experience with Zurich has been good. I'm satisfied with it. I had road hazard on one of my tires, and they repaired it and put me back on the road. The process was easy. Zurich is worthwhile having.
Hello Bruce,
Thank you for your feedback on your recent experience with Zurich. We're delighted to hear that our team could assist you effectively with your tire issue and put you back on the road with ease. It’s rewarding to know you find value in having our service.
Sincerely, The Zurich Customer Care Team
Reviewed May 1, 2026
My Zurich warranty was provided by the dealer and when I recently used it, the claims process was easy. The dealership pretty much handled the whole thing.
Hello Eric,
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
Reviewed April 29, 2026
I had a flat tire on the road and went to the dealership. They took care of everything. There was no hassle and everything was covered by Zurich. I’m totally satisfied with the experience.
Reviewed April 28, 2026
I took the Kia in for service and it went fine. The dealer took care of the claim, so we didn’t have to do the step-by-step process. I didn’t realize we were on the extended warranty with Zurich. I thought we were still on a regular car warranty. We purchased it because it’s needed.
Reviewed April 27, 2026
Zurich seemed to offer the best, from what I've been able to find out. The dealership handled the claim when I had one and the process was extremely simple. The experience with Zurich was straightforward, which makes it easier to deal with it.
Reviewed April 26, 2026
I have a Ford SUV, and I purchased a tire package from Zurich. I used the service just once and it went great. It was taken care of fast. The entire location spoke to Zurich and everything went well.
Reviewed April 25, 2026
I go to the dealership, and they take care of contacting Zurich. The coverage is good and if people need insurance coverage for their tires, Zurich is the way to go.
Reviewed April 24, 2026
My GPS was not working, along with a tire issue and a brake warning. It said to check the brake and the ESC. I couldn’t use cruise control because of it, so I took the vehicle in. The mechanic looked at it and said there was something wrong with the tire. The whole process went by fast, maybe two hours, and they repaired it. I’ve recommended getting a Zurich extended warranty to others. It was hassle-free. But I thought it was through Buick since I purchased it through the dealership.
Reviewed April 23, 2026
I purchased a brand-new vehicle about a year ago and I decided to get a service contract with Zurich. I have used it due to a flat tire since I purchased tire and wheel protection. It was a very good experience filing the claim and the service contract saved me time and money. I'm extremely pleased with what I pay Zurich.
Reviewed April 22, 2026
My experience with Zurich was great but the service contract ran out on me. I knew it was close to being up and I wanted to re-insure because I've got the car for my son, who is in college, and it’s to make sure that if he had any problems, it'll be covered. Over the years, the radiator has been overheating and I’ve had some issues with the steering wheel. Mostly, I take the car to the dealer and they’ll file the claim for me. When I bought my Chevy, the tires were new but they were in poor condition. Zurich helped cover my tires. So, it was a positive experience.
Reviewed April 21, 2026
I signed up with Zurich so my Kia is covered if something goes wrong with it, and Zurich has been great. It's well worth the money. The policy covers anything and the only thing that we did not get covered was the windshield. When you have a claim, you just take your car to the dealership, tell them that you got the coverage with Zurich, and they do the work. It's straightforward. There's no “Maybe,” or “Let me find out.” The car gets fixed. We hit a pothole and it destroyed the tire. It happened on a Saturday, so I had to wait till Monday, and the car was taken care of that day. I got brand-new tire and I only had 20 some odd miles on the car. I'm very satisfied. Having Zurich is super convenient.
Hello Pedro,
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
Reviewed April 17, 2026
When I signed up with Zurich, the whole deal, including getting the car, took a long time, but that was good. Zurich serviced everything, and I have full warranty on everything. Even my tire got a nail in it, and they fixed that. It was a tiny, tiny, little nail. I couldn't even see it. I couldn't find it myself. They put it in water, let it bubble up, found it, and then replaced the tire. Toyota submitted the claim for me, and that was that. We also had the recall, which was a federal thing, and that was covered for the hybrid wiring underneath the car to prevent corrosion and shorting out. So far, my experience has been great with Zurich. I feel totally confident that when I take my car in, I'm not going to be charged something erroneous, and that they're doing the right thing. I appreciate what they do and the service that they give.
Hello Patricia,
Thank you for sharing your feedback. We are delighted to hear that your experience with Zurich has been so positive. It's great that our services met your expectations and provided peace of mind. The quick handling of claims exemplifies our commitment to serving our clients effectively.
Sincerely,The Zurich Customer Care Team

Reviewed April 16, 2026
I cannot believe that to process a claim is 2 to 3 weeks. With all the technology it seems like this process would be streamlined a bit better. The average person does not have resources to make 2 and 3 car payments to stay current because the gap insurance's process needs revamping. We should do better.
Hello Danielle,
Thank you for sharing your experience with us regarding the claim processing time. We apologize for any inconvenience caused by the delay in addressing your claim. We understand how important timely support is to our customers, especially when it comes to managing financial obligations. We are pleased to let you know that your claim has since been processed and paid. If there's anything else we can assist you with, please feel free to contact us.
Sincerely,The Zurich Customer Care Team
Reviewed April 11, 2026
I planned on keeping the vehicle for more than three years and I'd like to make sure that I'm covered for five years. I purchased the Zurich service agreement with my new vehicle at the GMC dealership, and it was a no-brainer. It was something I wanted, and the reps presented it in a positive fashion. It’s a good plan maintenance-wise, and it has paid off. I got a new tire out of it through the dealership. When you take the vehicle in, you just remind them that you have the service agreement and they take care of everything. They have to verify and dot their i’s and cross their t's but it didn’t take any longer than any normal service. The coverage was above and beyond my expectations. It's been an all-around positive experience to have an extended warranty and to cover the minor things that can go wrong. I'm very happy with the service.
Hello,
Thank you for your positive feedback. We’re happy to hear your Zurich vehicle service contract provided valuable coverage and peace of mind, and that your dealership experience—including the tire repair—went smoothly. We appreciate you taking the time to share your review.
Sincerely,The Zurich Customer Care Team

Reviewed April 10, 2026
I can't believe any dealership would use these scam artists for glass coverage/warranty. They literally get paid for nothing. It should be illegal. They denied our windshield replacement claim because the crack was larger than 6 inches - as many customers/victims have experienced. The size of the crack should be irrelevant when replacement is necessary. Allegedly Toyota doesn't use them for warranties anymore, but that didn't help us after paying $1500 for coverage.
I blasted Toyota and got partial reimbursement for the $500 deductible we had to pay through our auto insurance. But that isn't good enough. Zurich Shield should not be allowed to get away with this. They should not be in business, and I hope they fold. Adding insult to injury, you have to talk to the complete degenerates they hire when you call to get denied for claims. After you pay for a warranty, despite what the dealership tells you, you find out all Zurich covers is a little glue on cracks in the windshield, due to their "limited coverage." Limited? Nonexistent coverage!
Dear CattyAnn,
Thank you for taking the time to share feedback about your experience with Zurich. We have a high standard for the service we provide, and hearing about your experience helps us learn and continually improve. Thank you again for your comments.
Sincerely,The Zurich Customer Care Team
Reviewed April 6, 2026
I had Zurich gap insurance and I’m still going through the lengthy process with them. It took them almost 3 months to finally cover my remaining balance on a truck I totaled and they did not pay off the total amount owed. You pay for gap insurance for a reason and this company does not follow through on their commitment. Do not in any way use this company. Does some research on other gap insurance companies to find out who is your best choice. Thank you.
Hello Charles,
Our review confirmed that the claim was processed once all required documentation was received, and we communicated with you throughout that process to request any missing information. We acknowledge that there were delays along the way and have apologized for that directly via a private message to you.
We also reviewed the claim outcome to ensure it aligned with the terms of the GAP agreement. Certain portions of loan balances and fees are not covered under GAP, and payment timing can affect how balances are applied.
We appreciate the opportunity to review and respond, and we remain committed to handling claims fairly, transparently, and in accordance with coverage terms. If you have any additional questions, our team is always available to help.
Sincerely,The Zurich Customer Care Team
