Are you considering purchasing a Zurich extended warranty for your vehicle? Founded in Switzerland in 1872, Zurich Insurance Group is one of the largest and longest-running insurance companies in the world.

In this review, we’ll provide you with all of the information you need to decide if a Zurich extended warranty is right for you. We’ll explain the provider’s coverage, cost, and quotes and claims processes and compare it to the best extended auto warranty companies in the nation.

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Zurich Extended Warranty Highlights

Overall Rating 3.5
Reputation 4.0
Coverage 3.6
Price 3.2
Transparency 3.0
Customer Service 3.9

A Zurich extended warranty, also called a vehicle protection plan, is only offered through select dealerships in the US by Zurich North America, a division of Zurich Insurance Group. That means that you can only purchase a Zurich extended warranty if you happen to be at a dealership that sells a Zurich warranty.

This is a significant downside for customers proactively seeking an extended warranty—also known as a vehicle service contract. Zurich holds an A+ rating from the Better Business Bureau (BBB).

We called Zurich to see if the company worked with any dealerships in our area, and a representative gave us the phone numbers for five dealerships where Zurich’s extended warranty is sold. The representative said that the dealerships sell Zurich warranties at the time of vehicle purchase rather than afterward.

Zurich Extended Warranty Cost

The cost of a Zurich extended warranty will depend on your vehicle’s mileage, age, and model. The more miles you have on your vehicle and the older it is, the more expensive your extended warranty will likely be. Luxury vehicles also tend to have higher extended warranty costs than non-luxury vehicles, since parts can be more expensive to replace.

The only way to find out what a Zurich warranty costs is to contact a dealership that sells the warranty. One Volvo S60R owner was reportedly quoted $3,500 for a 3-year/36,000-mile plan from Zurich. Whether that was a bumper-to-bumper extended warranty or basic powertrain warranty plan, that cost is rather high for just three years. In comparison, our 2021 extended auto warranty survey which polled 1,000 people found that 45% of respondents paid between $1,500 and $2,500 for an extended car warranty. 

Zurich’s deductible is between $0 and $250 depending on how high of a monthly cost you are willing to pay. Typically, the higher the monthly cost, the lower your deductible. Zurich’s deductible is standard for an extended warranty.

Zurich Extended Warranty Coverage

Zurich offers three different extended warranty plans: Powertrain, Standard, and Comprehensive. The company has coverage for motorcycles in addition to automobiles, which is relatively unique.

Below is a table that explains each Zurich extended warranty at a high level. Drivers focused on covering their vehicle’s most expensive components can choose the Powertrain plan, while those who want their whole vehicle protected can purchase the Comprehensive plan.

We like that Zurich offers a variety of choices. On the other hand, the company does not provide sample contracts online, which prevents customers from analyzing these plans more closely. This is common for warranties offered through a dealership, though.

  Powertrain Standard Comprehensive
Engine
Transfer Case
Transmission
Drive Axle
Suspension  
Steering  
Brakes  
Heating and Air Conditioning  
Electrical  
Cooling System    
Interior/Exterior    

Benefits

In addition to covering repairs related to the components listed above, a Zurich extended warranty comes with a few benefits. These are fairly standard in the industry.

  • Rental car reimbursement: Zurich will reimburse you for the use of a rental vehicle, paying up to $30 per day while your car is in the shop for a covered repair.
  • Trip interruption coverage: Zurich’s trip interruption coverage reimburses your food and lodging expenses up to $100 per day for up to 3 days if you break down more than 100 miles from home.
  • Emergency roadside assistance: Towing, flat tire changes, gas and fluid delivery, jump-starts, and frozen lock and lockout services are all included with Zurich. The company will authorize up to $100 per expense.

These are nice benefits to have with an extended warranty. However, industry leaders like Endurance have a lot more to offer. For example, Endurance’s Elite Benefits includes two tire repairs or replacements and a collision discount in addition to the coverage above.

Exclusions

As with any extended warranty, a Zurich warranty comes with some exclusions. Zurich’s exclusions aren’t unreasonable and are fairly common in the extended warranty space. Here are some of the vehicle components that the company’s extended warranty excludes:

  • Catalytic converter 
  • Exhaust components
  • Brake rotors and drums
  • Shock absorbers
  • Throttle body assembly (except the injectors)

Quotes and Claims Processes

Since Zurich warranty coverage is only available through select dealerships, a free quote cannot be obtained online or by phone. In order to get a quote from Zurich, you need to be at a dealership where the company’s extended warranty is offered.

If you already have a Zurich extended warranty, regardless of the exact protection plan, submitting claims for repair costs is straightforward:

  1. Take your vehicle to any licensed repair facility in the US or Canada.
  2. Have the repair shop verify coverage with Zurich by calling 800-643-9059.
  3. Have the mechanic perform all needed vehicle repairs.
  4. Submit an invoice or repair order to Zurich verifying that the repair has been completed.
  5. Pay your deductible and any non-covered expenses.
  6. Zurich will pay the repair facility directly to complete the order.

Zurich Warranty Reviews and Ratings

With its A+ BBB rating and long history as a company, Zurich has a solid reputation. But as with most extended warranty companies, there are some dissatisfied customers. Zurich has a customer rating of 2.37 out of 5.0 with around 90 reviews. Here’s what a couple of customers have to say about their Zurich warranty experience:

“I paid less than $2,800 for my service contract, and it already paid for nearly $2,000 of covered repairs. I would definitely recommend this warranty contract to anyone who drives an older car. Mine is [nine] years old.” Moshe via Consumer Affairs

“Their paperwork and pamphlets that come with the contract are misleading, and I would have never bought the warranty if I would have known that. Stay away. Go with someone else. Now I am out $1,200.” Chandler S. via BBB

Zurich Warranty: 3.5 Stars

Zurich Insurance Group has a strong reputation and offers helpful coverage for drivers. However, you cannot purchase a Zurich extended warranty unless you are at a select dealership that offers the coverage. Although this is common for dealership-offered warranties, it makes it difficult to compare Zurich to other extended warranty providers you may be considering.

Top Recommendations for Extended Car Warranties

When you are shopping for an extended warranty, we recommend that you get quotes from several third-party warranty providers so you can compare coverage and price. Endurance and CarShield both receive great ratings from our review team and are known to provide peace of mind. You can get a free quote from both below.

Endurance: 4.6 Stars

In our in-depth Endurance warranty review, we found Endurance to have the Best Coverage and the most comprehensive benefits in the industry by far. The only extended warranty company that made the 2020 Inc. 5000, Endurance has grown over 280% in revenue since 2015.

The company also holds a prestigious partnership with Andretti Autosport, one of the most successful racing companies in the world. Jarett Andretti drives an Endurance-sponsored McLaren in the 2020 Pirelli GT4 Sprint class series.

 
 
 
★★★★★
Endurance is our pick for best direct provider with its comprehensive coverage options.
 

CarShield: 4.2 Stars

Our CarShield review found that the company generally offers the lowest monthly cost among top providers. For that reason, we have recognized CarShield for having the Best Value.

CarShield is the most popular extended warranty provider in the industry, covering over one million vehicles and paying over $1 billion in claims since opening its doors in 2005. With CarShield, you have access to six levels of coverage including coverage for motorcycles and ATVs. CarShield provides standard extended warranty benefits to its customers, including a 30-day money-back guarantee, emergency roadside assistance, rental car benefits, and more.

 
★★★★½
Our research found this provider to be the most affordable. Plus, it offers monthly plans.

Methodology

Our review team prides itself on sharing accurate and unbiased information with consumers. We have accumulated data from dozens of extended auto warranty companies to formulate our rankings of the industry’s best providers. Companies receive a score out of 5.0 overall, as well as a rating in each of the following categories:

  • Price: Comparing providers can be difficult due to the many factors that influence cost. To determine this score, we employ a secret shopper analysis using different vehicles, mileages, warranty plans, and locations.
  • Coverage: A wide variety of coverage is essential to support the differing needs of customers. We take into account the number of extended car warranty plans available, term limits, exclusions, and additional benefits.
  • Customer Service: The level of customer service and care provided by an extended warranty company is an important consideration. Our review team sifts through customer reviews and complaints from reputable sources such as the Better Business Bureau (BBB) and Trustpilot. We also consider the responsiveness of each company’s customer service team based on our secret shopper analysis.
  • Reputation: Good extended warranty providers consistently provide quality experiences. Our team takes into account BBB ratings and the company’s history of reliable service when giving this score.
  • Transparency: Customers value a commitment to open and honest communication when it comes to vehicle service contracts. Our team of experts takes into account the availability of money-back guarantees and sample contracts.

Q & A

Here are some frequently asked questions about the Zurich extended warranty.
Is a Zurich extended warranty good?
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Extended warranties from Zurich offer a good amount of coverage for a vehicle, including extra benefits like roadside assistance and rental car reimbursement. But these extended warranties can only be purchased at select dealerships.
What does Zurich’s extended warranty cover?
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This will depend on which plan you choose. If you purchase Zurich’s Powertrain plan, then only components of your powertrain will be covered. The Comprehensive plan covers most systems and components in a vehicle, with just a few exclusions like shock absorbers and the catalytic converter.
Can you buy an extended warranty on a used car?
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While a factory warranty will come with almost any new car you buy these days, you can also purchase an extended warranty for a used car. Coverage plans typically range from barebones powertrain coverage to bumper-to-bumper exclusionary coverage like you'd get with a manufacturer's warranty on a new vehicle.