Reviews

LAST UPDATED: March 23, 2020

A Look at Zurich’s Extended Warranty Policies

Zurich’s extended vehicle warranties are a great value—if you can get one

Entering our 7th season of /DRIVE on NBC Sports, and with millions of YouTube and Facebook followers, The Drive is a leading authority of all things automotive.

The Drive on NBCThe Drive on YouTubeThe Drive on Facebook

Your Guide

The Drive and its partners may earn a commission if you purchase a product through one of our links.Read more.

PUBLISHED ON March 23, 2020

Zurich Insurance Group, headquartered in the city of the same name in Switzerland, is an enormous insurance company that offers policies of all kinds to individuals, small businesses, and major corporations. In addition to selling auto insurance through their subsidiary Farmers, Zurich also offers extended auto warranties.

Not a lot of drivers think of getting an aftermarket warranty from an insurance company, but many of them offer great alternatives to factory coverage. Today, we’re going to dive into the pros and cons of Zurich’s extended warranty policies.

Zurich Extended Warranty Overview

Zurich’s extended warranties are part of a large suite of auto protection products that they offer. On their website, it can be difficult to figure out what options they offer, so we’ve broken them down for you here.

Zurich’s extended warranty plan includes five levels of coverage—Rental Plus, Powertrain, Standard, Preferred, and Comprehensive—plus the Select plan. Don’t get any of these confused with Zurich Shield, which is a protective treatment for your vehicle, or Universal Security Guard, which is anti-theft protection.

  • Rental Plus: Only includes the roadside assistance, trip interruption, and rental car coverage (the other plans all come with this too).
  • Powertrain: Covers components involved in delivering power to your vehicle’s wheels: the engine, transfer case, transmission, and drive axles.
  • Standard: Includes powertrain coverage as well as suspension, brakes, steering, electrical systems, and HVAC systems.
  • Preferred: Includes Standard coverage, and also covers the cooling system, plus some damage to the interior and exterior.
  • Comprehensive: Covers everything in your car except for cosmetic damage, torn upholstery, broken glass, and tires.
  • Select: Covers cosmetic damage, tire damage, and alloy wheel damage.


Zurich’s vehicle service contracts can be taken to any licensed dealer in the country of purchase, though they charge small deductibles. Each one includes benefits for trip interruption ($100/day for up to three days), 24/7 emergency roadside assistance, and a rental car allowance ($30/day).

Zurich extended warranties are also fully transferable to the vehicle’s next owner.

EXTENDED WARRANTY COVERAGE MORE … FOR LESS

Endurance

Special Limited Time Relief Program (Expires April 16)

Get $300 off any Endurance vehicle protection plan and $250 in immediate reward vouchers to spend at national grocery, restaurant, and online stores, along with another $250 of reward vouchers after your third monthly payment. Enjoy all this along with other perks like reduced upfront costs, the chance to qualify for up to 30 days of payment deferment, a 30-day money back guarantee, and a free Endurance Elite Membership.

Get a Free Quote

Save $350 with coupon code: DRIVE350

<br>

CarShield

CarShield — USA’s #1 Auto Protection Provider

CarShield pays claims directly to a US or Canadian ASE-Certified® repair facility of your choice. Our contracts have low or no deductibles to prevent stress to your wallet at a critical time. Never worry about being stranded somewhere after a breakdown. All of our vehicle repair contracts include towing services to transport you and your vehicle to a safe repair facility.

Get a Free Quote

<br>

autopom!

Live in California? autopom! warranties specifically made to save you more.

autopom! is the warranty provider of choice for many California (only) residences struggling to find quality options in the state. The company’s line of insurance plans is great for saving money on services and repairs that come up unexpectedly.

Get a Free Quote

Insurance Costs

While Zurich does not list deductibles on their website, customer reviews suggest that $100 is a typical amount, rising up to $200 for bigger repairs or older or used vehicles.

The cost of the extended warranty plans themselves ranges between $1,000 and $2,500, depending on the level of coverage you choose. Costs can also be influenced by the age of your vehicle, its make and model, and whether it’s a new car or used car.

Things We Like

One great thing about Zurich’s extended warranties is how customizable they are—you really only have to pay for what you need. Getting just the roadside assistance and trip-interruption benefits is a fantastic option, and one you don’t often see from manufacturer warranties.

We also really like the breadth of coverage available. At the Comprehensive level, there’s almost nothing Zurich’s extended warranties don’t cover, and if you add Select coverage, there’s literally nothing. Even dent repair and tire damage can get covered, something else you hardly ever see in a manufacturer’s warranty.

It’s quite nice that every Zurich warranty, even the largely cosmetic Select warranty, comes with roadside assistance, a rental allowance, and trip interruption pay. On top of that, these warranties apply at a huge range of approved garages, and current Zurich policyholders testify that Zurich almost never refuses to pay out.

Another nice touch is that Zurich offers plans for motorcycles and powersports, which can be tough to protect otherwise.

Things We Don't Like

The biggest downside about a Zurich extended warranty is that you might have limited opportunities to actually get one. Not every dealership offers one, and the extended warranty plans need to be purchased through a dealership. Even if you have another insurance plan through Zurich, you might be out of luck.

Another drawback to going with Zurich for your warranty protection is that their website can be baffling. It’s unnecessarily difficult to find out what actually gets covered at each level, which can make it hard to determine exactly what plan you need. Presenting them all alongside confusingly named products like Zurich Shield doesn’t help.

Finally, the basic Rental Plus reimbursements are unfortunately pretty low. While it’s great that they’re working to get you back on your feet after a breakdown, $30 for six days isn’t always enough to make a dent.

FAQs

Our best tip for getting the best possible warranty coverage is to do your research beforehand. Dealers might try to sell you their own factory warranty, or upsell you on coverage you don’t really need.

Know ahead of time what third-party warranties your dealership offers, and what coverage you’ll get from each. Also, know yourself, and understand what’s the minimum you’ll need to guarantee peace of mind. Here are some answers to questions you may have.

Q. What does Zurich’s extended warranty cover?

A. Parts and labor for repairs, minus a $100-$200 deductible. For the Rental Plus through Preferred plans, parts not explicitly named are not covered. For the Comprehensive plan, every part is covered unless it’s on the specific exclusion list.

Q. How much does a Zurich extended warranty cost?

A. It depends on the make, model, and age of your vehicle, along with the amount of coverage you choose. Average costs range from $1,000 to $2,500 at the point of vehicle purchase.

Q. How can I get a Zurich extended warranty?

A. The only way is to talk to your dealer while buying the car, and see if they partner with Zurich to offer their products. Not all dealerships do, but a substantial number participate.

Is an Extended Warranty from Zurich Worth It?

There’s only one question that determines whether a warranty is worth the money: “Will this pay for itself?” Given Zurich’s low deductibles and willingness to pay out even expensive repair costs without a fuss, we’re happy to say their extended warranties are almost always a good investment. It’s just sad that more dealerships don’t sell them.

More Information

Here are a few more resources you can use:

EXTENDED WARRANTY COVERAGE MORE … FOR LESS

Endurance

Special Limited Time Relief Program (Expires April 16)

Get $300 off any Endurance vehicle protection plan and $250 in immediate reward vouchers to spend at national grocery, restaurant, and online stores, along with another $250 of reward vouchers after your third monthly payment. Enjoy all this along with other perks like reduced upfront costs, the chance to qualify for up to 30 days of payment deferment, a 30-day money back guarantee, and a free Endurance Elite Membership.

Get a Free Quote

Save $350 with coupon code: DRIVE350

<br>

CarShield

CarShield — USA’s #1 Auto Protection Provider

CarShield pays claims directly to a US or Canadian ASE-Certified® repair facility of your choice. Our contracts have low or no deductibles to prevent stress to your wallet at a critical time. Never worry about being stranded somewhere after a breakdown. All of our vehicle repair contracts include towing services to transport you and your vehicle to a safe repair facility.

Get a Free Quote

<br>

autopom!

Live in California? autopom! warranties specifically made to save you more.

autopom! is the warranty provider of choice for many California (only) residences struggling to find quality options in the state. The company’s line of insurance plans is great for saving money on services and repairs that come up unexpectedly.

Get a Free Quote