Zurich Auto Warranty: Pros and Cons
Zurich started as an auto insurance company in 1872 and then extended its services to offer auto warranty coverage. In this review, we will focus on Zurich's auto warranty services to help you decide whether it's the right provider for you.
Zurich is based in Switzerland and has a subsidiary in North America. While the company's main services revolve around car insurance, automotive, and financial services and products for individuals and businesses, the branch in the United States offers additional plans for extended auto warranty coverage with a few dealerships throughout the United States.
The company's warranty services cover most vehicles that meet the two criteria: they have to be less than 15 years old and have fewer than 150,000 miles. The company gives its customers the freedom to choose any mechanic or repair shop as long as it is certified by the National Institute for Automotive Service Excellence (ASE) for repairs.
Zurich has four extended auto warranty plans that offer options ranging from basic coverage to high levels of protection with benefits and perks. As is the case for most auto warranty companies, Zurich's plans may require a deductible, ranging between $0 to $200 at most. The website itself does not list or explain deductibles per plan, but this is the average. It is also worth mentioning that all plans are transferable in case of changing the owner of the car and can be canceled at any time.
Zurich plans and coverage
This is the most basic plan and it only covers parts and components of the engine, transmission, transfer case, and drive axle.
This plan covers parts and components of the engine, transmission, transfer case, and drive axle as well as stated components of the suspension, steering, heating & air conditioning, brakes, and electrical.
This plan covers parts and components of the engine, transmission, transfer case, and drive axle as well as stated components of the suspension, steering, heating & air conditioning, brakes, and electrical. In addition, it covers stated components related to the interior and exterior; this includes hood release, door hinges, and cooling system
The Comprehensive Plan has an exclusionary policy, meaning that rather than stating the parts it includes, the plan lists down all the parts and components that it does not cover. The parts that are not included in this plan are the exhaust components, brake drums and rotors, catalytic converter, shocks, and throttle body assembly.
It is important to mention that the company has specialty coverage for parts and components of motorcycles and other power sport vehicles, which is something you will not find in many auto warranty companies.
Zurich warranty benefits
When you get an extended auto warranty for a third-party provider, you will often be limited in terms of repair shops and you will need to return to your dealer every time you need a repair. However, this is not the case for Zurich; the company gives you the freedom to choose the repair shop you want to take your vehicle to with the condition that the repair shop must be ASE-certified. This will give you flexibility rather than tie you down to certain shops.
In addition to the coverage mentioned above, all plans come with the following benefits:
- Rental car reimbursement: This service pays rental car costs up to a limit when having chosen repair coverage.
- Emergency roadside assistance: This service covers spare tire installation, towing, fluid delivery, jump starts, and lockout services.
- Trip interruption: If your car stops functioning because of a covered repair, more than 100 miles from home, this service will reimburse lodging and food costs for three days and up to a certain amount.
One thing about Zurich is that they do not list the prices on their website clearly. You will need to contact a dealer and provide information about your vehicle in order to get a quote and know the price that you will be charged. Information you will need to provide to get evaluated include your car's make, year, condition, and the type and length of the coverage you want.
As for deductibles, Zurich offers some plans with $0 deductibles; while the average for other plans is $100. Again, there is no information on the website regarding which plan has what deductible. You will need to discuss that with the dealer.
Zurich's official website has a page dedicated to frequently asked questions regarding their extended auto warranty plans and coverage.
Other than that, you can contact their customer service agents for any further questions as follows:
- By phone at 800-987-3373
- By email at [email protected]
- Through the live chat option on the website
Zurich has been in the industry for more than a century and has been providing services for vehicles since then. Keeping everything in mind, Zurich is not our top pick for extended auto warranty, as some other companies provide better coverage, competitive prices, and more.
If you want to compare and see for yourself, you can check our full list of the best auto warranty companies on the market.