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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.

Pros
  • Covers multiple vehicle types, including motorcycles
  • Offers comprehensive coverage options
  • Plans are transferable to a new owner
  • Includes roadside assistance benefits
Cons
  • Only sold through dealerships
  • Limited plan transparency online
  • Pricing varies by dealer

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 aren’t available on Zurich’s website. Expect prices to vary based on your local dealership and your vehicle’s make, model, year and mileage.

The best way to get an accurate price is to speak to a Zurich representative at an authorized dealership. They can help you choose a plan that fits your budget.

Zurich offers multiple deductible options, including zero-deductible plans. The exact deductible depends on the contract you choose, but many extended auto warranties in the industry use deductibles of around $100.

Zurich extended warranty plans

Zurich offers several vehicle service contract coverage levels for new and used vehicles, including Powertrain, Standard and Comprehensive. Coverage varies by contract, and all plans contain exclusions, so you should speak with a representative at an authorized dealership for details about what is covered.

Powertrain
The Powertrain plan is Zurich’s most basic coverage and protects certain named drivetrain 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 air conditioning
  • Electrical components
Comprehensive

The Comprehensive plan is an exclusionary policy, meaning it covers most mechanical and electrical components except those specifically excluded in the contract. This type of plan is sometimes referred to as “bumper-to-bumper” coverage.

In addition to the systems included in the previous plans, Comprehensive coverage can extend to components in your vehicle’s:

  • Cooling system
  • Interior
  • Exterior

Common exclusions may include cosmetic items, routine maintenance, wear-and-tear parts, tires, batteries, exhaust components and damage caused by rust or corrosion. Exact exclusions vary by contract.

» COMPARE: Best extended car warranties

Zurich Vehicle Service Contract coverage

Zurich allows covered repairs to be completed at authorized dealerships or licensed repair facilities. Here’s how the process works:

  1. Once a repair facility diagnoses the problem, it must contact Zurich’s claims department to obtain authorization before beginning repairs.
  2. Once the repair has been authorized and completed, Zurich pays the repair facility directly.
  3. You may have a deductible, and you’ll have to pay for any non-covered expenses out of pocket.

Every plan also includes emergency roadside assistance, rental car reimbursement and trip interruption coverage. Rental reimbursement typically ranges from $30 to $40 per day for up to six to 10 days, depending on the contract.

Trip interruption benefits are commonly $100 per day for up to three days if a breakdown occurs more than 100 miles from home and requires an overnight stay.

» LEARN: Car warranty vs. car insurance

Zurich Vehicle Service Contract additional coverage options

Along with its vehicle service contract plans, Zurich offers several optional vehicle protection products for an additional fee, including:

  • Road hazard tire and wheel protection (cars and trucks)
  • Road hazard tire and wheel protection (motorcycles and powersports vehicles)
  • Prepaid maintenance plan (maintenance performed at participating dealerships)
  • Guaranteed asset protection (GAP)
  • Lease wear and use
  • Universal Security Guard (theft-deterrent system)
  • Paintless dent repair coverage
  • Premier dent service 
  • Simoniz GlassCoat (paint protection)
  • MotoTect (surface protection for powersports vehicles)
  • Zurich Shield (environmental and windshield protection)
  • Key replacement

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
  • Air conditioning system
  • Electrical components
  • Cooling system
  • Interior
  • Exterior
What does a Zurich vehicle service contract cover?

A Zurich vehicle service contract (often used interchangeably with extended warranty) 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.

Zurich also offers add-on coverage for specific components, such as tire and wheel protection and windshield protection.

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.

Where are Zurich’s vehicle 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. Additional details are outlined in your contract under the “Cancellation of Contract” section.

Is a Zurich extended warranty worth it?

Yes, a Zurich vehicle service contract can be worth it if you’re buying from a participating dealership and want help covering repair costs. Zurich also offers plans for motorcycles and ATVs, which is great for those with several vehicles.

Zurich has strong customer feedback, with many reviewers reporting positive experiences. Customers frequently mention that repairs — including major issues with transmissions and suspensions — were covered, and that the claims process was straightforward, with dealerships handling most of the paperwork.

Reviewers with high-end vehicles, in particular, say the coverage helped offset expensive repairs. Overall, based on customer feedback, Zurich’s plans are often seen as valuable for maintaining and repairing vehicles.

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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    How do I know I can trust these reviews about Zurich Vehicle Service Contract?
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    Page 1 Reviews 0 - 5
    Verified purchase
    TechPriceStaffRates

    Reviewed May 7, 2026

    The dealer was a little bit persuasive, which made me decide to purchase the service contract from Zurich. It seemed like a good idea since the parts on the car are expensive. Plus, I was told that I can cancel anytime, so it was a no-risk type. If I didn't like the service contract or didn't think it was necessary, after a few months, I had planned to cancel. So, I got it. The contract that I have is mainly for tires and wheels, and I've had to replace three wheels, and it might have been four tires by now. The dealer takes care of the claim for me. I would just drop off my car and hope it gets approved, and then pick it up afterwards. The only concerning part was the price, but the contract lasts for quite a few years. My contract also comes with some type of stain removal on the interior. Someone dropped pasta sauce in the vehicle and I couldn't get it all out. So I might try to see if I can get some help with that in the future.

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      Verified purchase
      CoverageTechPriceMaintenance

      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.

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      Zurich Vehicle Service Contract
      Response from Zurich Vehicle Service Contract

      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

      Verified purchase
      Contract & TermsCoverageTechMaintenanceStaff

      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.

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      Zurich Vehicle Service Contract
      Response from Zurich Vehicle Service Contract

      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

      Verified purchase
      Customer ServiceCoverageTechPunctuality & SpeedMaintenanceTimeliness

      Reviewed Feb. 25, 2026

      I highly recommend Zurich if you want an extra reinsurance for your vehicle. It has been good to me. It was the option that was given through the dealer when I bought my truck. It's a 100,000-mile warranty or five years. The truck I bought had a bit of miles and I wanted that extra bit of insurance because I will never know. It was a used 2023 GMC Sierra. The dealer and Zurich were pretty quick to respond, especially because I needed my vehicle for work. The repair had something to do with some lubricants and sealants I needed. I'm very satisfied with the purchase I have made with Zurich. They have found those.

      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.

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      Zurich Vehicle Service Contract
      Response from Zurich Vehicle Service Contract

      Hello Johnny,

      Thank you for sharing your feedback. We strive to maintain high standards for the service we provide, and we're delighted to hear that you're satisfied with your Zurich vehicle warranty. It’s important to us that claims are processed promptly and efficiently, giving you peace of mind especially when repairs are urgent.

      We're glad things worked smoothly with your dealership as well and appreciate your strong recommendation. Don't hesitate to reach out if you have any further questions or need additional support.

      Thank you for choosing Zurich!

      Sincerely,

      The Zurich Customer Care Team

      Verified purchase
      Contract & TermsClaims HandlingTechPriceRefunds & PayoutsMaintenance

      Reviewed Feb. 19, 2026

      I didn't have an extended warranty on my my previous vehicle. That gave me issues, and it cost me out of pocket. I can't be without my work vehicle so I thought of doing the warranty on it and went with Zurich. Recently, I had to submit a claim for an intake manifold head bolt. I bought the truck in Ohio, but I live in Vermont. I thought that GM would automatically put it in the system that I have the warranty, but it wasn't in the system so I had to find the paperwork. But once I got to the dealership, they were great with it. The dealership service manager said Zurich is a really good warranty so that makes me happy.

      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.

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      Zurich Vehicle Service Contract
      Response from Zurich Vehicle Service Contract

      Hello Kevin,

      Thank you for sharing your experience with us. We have a high standard for the services we provide, and we're delighted to hear that overall your experience processing a claim with your Zurich warranty and your dealership was smooth and to your satisfaction. It's wonderful that the dealership provided excellent support and that you're pleased with your decision to have a warranty with Zurich.

      We're sorry to hear about the earlier paperwork issue but are thrilled that once resolved, everything proceeded seamlessly. We appreciate your understanding regarding the deductible and apologize if that wasn't effectively communicated at the time of purchase.

      Your feedback is crucial in helping us improve our communication, and we're so glad to have been able to meet your needs and expectations. We sincerely appreciate your recommendation, and we're here to support you moving forward should you have any future inquiries.

      Sincerely,

      The Zurich Customer Care Team

      Verified purchase
      Claims HandlingTech

      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.

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      Zurich Vehicle Service Contract
      Response from Zurich Vehicle Service Contract

      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

      Verified purchase
      CoverageTechStaffRoadside Assistance

      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.

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      Verified purchase
      TechStaff

      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.

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      Verified purchase
      Tech

      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.

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      Verified purchase
      Punctuality & SpeedStaff

      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.

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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