Are you considering purchasing a Zurich 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 help you make a decision on an extended warranty from Zurich by reviewing the provider’s coverage, cost, quotes and claims processes, and more.
Zurich didn’t make it on our review team’s list of the best extended auto warranty companies, and we’ll explain why in this review. You can get a free quote from each of our top providers using the buttons below.
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Zurich Insurance Group Highlights
A Zurich auto 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.
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 holds an A+ rating and accreditation from the Better Business Bureau (BBB). Many reputable extended car warranty companies do not have BBB accreditation because it can be pricey, but holding accreditation from the organization still holds value.
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.
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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 Membership includes two tire repairs or replacements and a personal concierge in addition to the coverage above.
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)
Zurich 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. According to BobIsTheOilGuy.com, a Volvo S60R owner that was offered a Zurich warranty was quoted $3,500 for a 3-year/36,000-mile plan. 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 review team found that motorists can get bumper-to-bumper plans from top providers for less than $1,000 per year of coverage.
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.
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:
- Take your vehicle to any licensed repair facility in the US or Canada.
- Have the repair shop verify coverage with Zurich by calling 800-643-9059.
- Have the mechanic perform all needed vehicle repairs.
- Submit an invoice or repair order to Zurich verifying that the repair has been completed.
- Pay your deductible and any non-covered expenses.
- Zurich will pay the repair facility directly to complete the order.
Zurich Warranty Reviews and Ratings
With its A+ BBB rating, BBB accreditation, 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 2.49 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: 4.9 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.
CarShield: 4.6 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.