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LAST UPDATED:  March 1, 2021

A Look at Zurich’s Extended Warranty Policies

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

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PUBLISHED ON March 1, 2021

Headquartered in Zurich, Switzerland, the aptly named Zurich Insurance Group is the largest insurance company in Switzerland, and along with its subsidiary companies — Farmers Insurance Group and MetLife —  it’s one of the largest insurance companies in the world. Zurich provides a wide range of insurance products, including life insurance, commercial business insurance, financial services, general liability, home insurance, and yes, even extended auto warranty policies.

 

An extended car warranty or vehicle service contract from Zurich may not be the first option that comes to mind when considering additional coverage for your vehicle, but the company does offer fairly comprehensive coverage options which we will outline further so that you can decide if a Zurich extended car warranty is right for you.

Zurich Extended Warranty Overview

Zurich’s extended warranties are part of a large suite of auto protection products that the company has to offer. Unfortunately, Zurich’s website makes it difficult to learn more about your options for various vehicle service contracts. This is likely due to the fact that the only way you can purchase a vehicle service contract from Zurich is through an approved auto dealer at the time you purchase your vehicle. If you’re looking to switch coverage or have purchased your car privately, an extended auto warranty from Zurich may not be available to you — unless you had the policy transferred to you by the vehicle’s previous owner.

Zurich does offer several levels of extended warranty coverage through approved local dealerships. These include Comprehensive, Standard, Powertrain, and Select levels of coverage. 

  • Comprehensive: Covers almost everything in your car from soup to nuts except for cosmetic damage, torn upholstery, broken glass, and tires. This includes the interior and exterior of your vehicle, the cooling system, electrical, heat and AC, steering, brakes, suspension, drive axle, transmission, transfer casing, and engine. It even includes roadside assistance, trip-interruption protection, and rental car reimbursement — the whole enchilada.
  • Standard: Covers all of the same components that the Comprehensive plan gives you, minus the car’s interior, exterior, and cooling system.
  • Powertrain: Covers components involved in delivering power to your vehicle’s wheels, including the engine, transfer case, transmission, and drive axles.
  • Select: This is a budget-friendly and customizable plan that covers windshield repair, cosmetic damage, tire damage, and alloy wheel damage.

Zurich also offers a variety of other adjunctive service plans, including GAP coverage, key protection, maintenance plans, Universal Security Guard theft protection, etc. 

Unlike many extended auto warranties, Zurich’s vehicle service contracts can be taken to any ASE-certified repair shop in the country of purchase, though they charge small deductibles. Each extended warranty policy includes benefits for trip interruption, 24/7 emergency roadside assistance, and a rental car allowance.

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

Uproar.car will cover your car for less, protecting you against expensive repairs from bumper to bumper. With a focus on customer care and no middleman to complicate repairs and claims, you’ll get easy coverage you can actually use. The plan even pays for itself — Uproar.car’s warranty coverage gives you exclusive access to discounts, auto concierge service, and a 100 percent online claims process. And with clear, upfront price quotes, you’ll know exactly what to expect when it comes to the cost.

EXTENDED WARRANTY COVERAGE MORE … FOR LESS

Endurance

Save $350 on an Endurance warranty plan with coupon code: DRIVE350

Going with a factory extended warranty is a good option for basic protection, but you can get more and save more with Endurance, ranked the top extended warranty provider by Consumer Advocates, Consumer Affairs, and Retirement Living.

Get a Free Quote

Save $350 with coupon code: DRIVE350

EXTENDED WARRANTY COVERAGE MORE … FOR LESS

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

EXTENDED WARRANTY COVERAGE MORE … FOR LESS

Carchex

Nationwide coverage for cars new and old

CARCHEX has something for everyone. Have an old car? No problem. Live in California? Not an issue. CARCHEX 's plethora of warranty plans includes options for cars up to twenty years old with up to 250,000 miles, regardless of any existing or expired warranties. Click below or call 1-877-207-3304 for a free quote.

Get a Free Quote

Insurance Costs

While Zurich does not list deductibles on their website, typical costs can range between $0-250, depending on the monthly fee that you prefer or are comfortable with.

The cost of the extended warranty plans themselves ranges between $1,000 and $2,500 per year, 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 a used car. Unfortunately, the only way to really find out what kind of costs you’re looking at is to get a quote from your auto dealer.

Things We Like About Zurich’s Extended Warranty

There are a few things we like about Zurich’s vehicle service contracts. For one thing, they’re pretty customizable, giving you plenty of options to pick and choose what aspects of coverage are most important to you in a budget you can live with.

We like that the company offers the same benefits with all of its warranties including:

  • Emergency roadside assistance: Flat tire changes, towing, gas and fluid delivery, frozen lock and lockout services, and jump-starts, up to $100 per expense.
  • Trip interruption coverage: Reimbursement of food and lodging expenses up to $100 per day for up to three days if you break down more than 100 miles from home.
  • Rental car reimbursement: Up to $30 per day.

In fact, you can purchase only these benefits without a full extended car warranty if that’s what suits you best, which isn’t always the case with many extended car warranty programs.

We also like the fact that Zurich offers coverage plans for motorcycles and powersports, and that they have an extensive list of ASE-certified dealers and repair facilities that can service your vehicle. 

Having each policy be fully transferable to the vehicle’s new owner is also a nice touch and may help you sell your car more easily.

Feeling overwhelmed?


You aren't alone. Warranties have many benefits that aren't always clear. If you're new to the industry, check out our  Extended Warranty Guide  that helps explain some key fundamentals.

Things We Don't Like About Zurich’s Extended Warranty

One of the biggest drawbacks to having an extended auto warranty from Zurich is the limited ways in which you can actually purchase one. Having to use your dealer as a middleman is a pain, especially if you don’t work with a dealer. Without going through an approved dealership, the only other way to get extended warranty coverage from Zurich is if you purchase a car from an owner who already has an existing plan and they transfer it to you.

Another aspect of Zurich’s extended auto warranty that we don’t love is the fact that while the policy does allow for rental car reimbursement, it’s extremely limited, only approving $30 per day for up to six days. Still, every little bit counts.

One of the biggest frustrations with Zurich is trying to navigate the company’s website to even learn what your coverage options might be. The Zurich North America website should be much more user-friendly when it comes to outlining extended auto warranty plans and options. Once you find the plans, the details of each aspect are still pretty vague. 

If you already own Zurich’s Extended Warranty and you are looking for an alternative, then we are suggesting that you take a look at one of CarShield's Warranty plans, which are offering extensive coverage at a competitive price. 

FAQs

When it comes to finding the best extended warranty coverage for your individual needs, your best bet is to research multiple companies and their offerings thoroughly before making a final decision. Unfortunately, dealerships are notorious for pushing not only their own factory warranties on you, but also trying to upsell you on coverage options you may not really need. 

Be prepared when you go into a dealer by knowing ahead of time what types of third-party warranties that dealer offers and don’t be afraid to stick to your guns when it comes to getting the coverage that’s right for you. Here are a few questions you may have, along with our most informative answers.

Q. What does Zurich’s extended warranty cover?

An extended vehicle warranty from Zurich can cover as much or as little as you need, depending on the type of plan you purchase. Exclusions to coverage are limited and reasonable and include exhaust components, brake drums and rotors, catalytic converter, shocks, and the throttle body assembly (except injectors).

Q. How much does a Zurich extended warranty cost?

Of course, the cost of a vehicle service contract depends on the make, model, and age of your vehicle, along with the level of coverage you choose. That being said, the average cost ranges from $1,000 to $2,500 at the time of vehicle purchase.

Q. How can I get a Zurich extended warranty?

Again, the only way is to purchase a vehicle from a dealership that sells Zurich products or to privately purchase a vehicle that already has transferable Zurich coverage.

Zurich Customer Reviews

A great way to learn the good, bad, and ugly about any company’s products is to search for online customer reviews. With its longstanding history, Zurich has hundreds of reviews that you can read through. With its A+ rating and accreditation from the Better Business Bureau, and its 4.1 star Consumer Affairs rating, there is no shortage of happy customers, but as with any corporation, Zurich isn’t able to make everyone love them. Here’s a taste of what a small percentage of consumers have to say about Zurich’s extended auto warranty program:

“It was a quick hassle-free experience, I couldn't have asked for better service. I would buy Zurich coverage for all my vehicles in the future if I can. Even fully covered my rental for the few days I was without a car.” - Jared, Sidney Center, NY via Consumer Affairs

“I have had to use the service contract 3 times now. Each time has made me immensely happy that I purchased it. So far the comprehensive service contract has lived up to what I was expecting when purchased completely, covering the costs of all needed repairs as well as rental cars 2 of the times when necessary.” - Sean, Poulsbo, WA via Consumer Affairs

“You SUCK. Just had a heater issue with my truck. I paid over 3000 for this stupid policy. Turns out my heater hoses are the issue. Eight hundred dollars for replacement. Never again. I wouldn’t recommend this place to anyone. They will find any excuse to stiff you. I will make it my life’s work to make sure no one buys into your scam.” - Frank R. via BBB

“Claim was settled right away so repairs could be made quickly.” - Kurtis C. via BBB

“The company who came to assist with a dead battery was over an hour later than scheduled, so that was inconvenient. But they did arrive and were able to jump-start the car. The coverage for our damaged tire was great--the dealership replaced the tire (pothole damage) completely.” - Donald, Washington, D.C. via Consumer Affairs

Is an Extended Warranty from Zurich Worth It?

Zurich has a good reputation for being easy to deal with and paying out claims fairly quickly. Additionally, the company has a long history as a viable and stable corporation and has an A+ rating with the Better Business Bureau, which speaks highly to its reputation. The customizable levels of coverage are great, but the difficulty of obtaining coverage is a huge drawback. If you’re working with a dealer that offers Zurich products, they’re definitely worth your consideration. However, there are several other excellent and more user-friendly companies out there. 

More Information

Here are a few more resources you can use:

Uproar.car will cover your car for less, protecting you against expensive repairs from bumper to bumper. With a focus on customer care and no middleman to complicate repairs and claims, you’ll get easy coverage you can actually use. The plan even pays for itself — Uproar.car’s warranty coverage gives you exclusive access to discounts, auto concierge service, and a 100 percent online claims process. And with clear, upfront price quotes, you’ll know exactly what to expect when it comes to the cost.

EXTENDED WARRANTY COVERAGE MORE … FOR LESS

Endurance

Save $350 on an Endurance warranty plan with coupon code: DRIVE350

Going with a factory extended warranty is a good option for basic protection, but you can get more and save more with Endurance, ranked the top extended warranty provider by Consumer Advocates, Consumer Affairs, and Retirement Living.

Get a Free Quote

Save $350 with coupon code: DRIVE350

EXTENDED WARRANTY COVERAGE MORE … FOR LESS

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

EXTENDED WARRANTY COVERAGE MORE … FOR LESS

Carchex

Nationwide coverage for cars new and old

CARCHEX has something for everyone. Have an old car? No problem. Live in California? Not an issue. CARCHEX 's plethora of warranty plans includes options for cars up to twenty years old with up to 250,000 miles, regardless of any existing or expired warranties. Click below or call 1-877-207-3304 for a free quote.

Get a Free Quote