Are there waiting periods before coverage starts with Zurich?

Yes, Zurich requires a 30-day and 1,000-mile waiting period before coverage begins.

Can I take my car to any repair shop with Zurich?

Yes, you can use any ASE-certified repair shop. Zurich does not restrict you to a dealer network.

Do I have to pay costs upfront with Zurich?

No. Zurich pays the repair shop directly. You are only responsible for your deductible.

Are there mileage or age limits on Zurich coverage?

Yes. Zurich provides coverage for vehicles up to 20 years of age and up to 200,000 miles on the odometer.

Can I cancel my Zurich plan?

Yes. Zurich plans can be cancelled at any time with a 30-day money-back guarantee.

Can I transfer my Zurich plan if I sell my vehicle?

Yes. Zurich plans are transferable if you sell your vehicle, typically for a small transfer fee. Contact Zurich directly for transfer details.

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Providers

Zurich

Feb 23, 2026

Zurich

Name: Zurich Vehicle Service Contract
Brand: Zurich
Availability: InStock
Rating: 4.6 (5 reviews)

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Provider Quality Score

4.6

Partner Status

Certified Chaiz Partner

33 years in business

BBB Rating

A+

248 total complaints in the last 3 years

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Insurance Backing & Rating

A+AM Best Financial Strength Rating

States

Headquarters

About

Zurich North America is part of the global Zurich Insurance Group, offering a range of vehicle service contract solutions across the U.S. Their Vehicle Service Contracts provide coverage for repairs and breakdowns, backed by a trusted, A+ rated company headquartered in Schaumburg, Illinois.

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Reviews

Zurich

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joined

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Chaiz

Certified

program

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went

through

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Certification

process.

4.6

Provider Quality Score

Calculated by Chaiz based on three key factors:

4.4

Customer Review

Based on aggregated consumer ratings from major platforms such as Trustpilot, Google, Yelp etc.

4.5

Chaiz Transparency

Reflecting Chaiz's own assessment of each provider's transparency, plan quality, certification status.

Chaiz Transparency

Not reviewed /not affiliated with Chaiz.

Business Reliability

Incorporating BBB status, letter rating, complaints history, years in business and financial backing + strength.

Learn more about our certification and review process.

Where to buy protection from Zurich?

Online via Chaiz.com

Provider Website

Local Dealerships

Get breakdown protection from as low as $39/month

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Take a look at which other providers offer online quotes

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Optional Add-ons

Paintless Dent Repair

Covers the removal of minor dents and dings

Windshield Chip Repair

Provides coverage for the repair of small chips or cracks in your windshield to prevent further damage

Tire Coverage

Covers essential repairs and replacements

Key Fob Replacement

Offers coverage for lost or damaged key fobs

Add-on availability is indicative and may vary based on factors including but not limited to your selected plan as well as you car’s make, model, and year.

Claims

How to file a Claim

Initial Call - Start your claim by calling customer service on (800)-643-9059.
‍Claims Description – Customers can choose any ASE-licensed repair facility.
‍Cost Allocation – Repairs only begin after authorization. Zurich pays the repair shop directly, you are only responsible for your deductible and non-covered items.‍
Pick up your repaired car – Once the work is done, collect your car and get back on the road.

Roadside Assistance

Call (800)-643-9059 for Roadside Assistance.

Included in every plan.

Coverage Limits

Mileage & Vehicle Age

Zurich provides coverage for vehicles of up to 15 years of age and up to 150,000 miles on the odometer.

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Pre-Exisiting Conditions

Similar to insurance, vehicle service contracts only cover future mechanical issues — not pre-existing conditions. Securing coverage before problems arise ensures you're protected when it matters most.

Cancel or Transfer a Plan

Cancelations

A full refund is provided if the contract is cancelled within 30 days.

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Transfer a Plan

Yes, with a small fee depending on the state and plan.

Frequently Asked Questions

Are there waiting periods before coverage starts?

Yes, 30 days and 1,000 miles.

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Can I take my car to any repair shop?

Yes, as long as they are ASE-certified.

Do I have to pay any costs upfront?

No, Zurich pays the dealer or shop directly. Only thing you are responsible for is your deductible.

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Are there mileage or age limits?

Yes, Zurich provides coverage for vehicles of up to 15 years of age and up to 150,000 miles on the odometer.

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Glossary

Deductible 

The amount customer is responsible for per claim.

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Extended Warranty 

Often used interchangeably with Vehicle Service Contracts (VSCs), extended warranties offer additional coverage for vehicle repairs—usually beyond the duration of the manufacturer's warranty that comes with new vehicle purchases.

Vehicle Service Contract (VSC) 

The contract that covers the cost of repairs and breakdowns.

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Exclusion

Repairs or parts not covered.

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