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FAQ

About

Zurich

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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Coverage Plans

Highlights

24/7 roadside assistance included
Transferable plans if you sell your vehicle
Flexible deductible options

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Compare Plans from Zurich*

Plan	Coverage	Features
Comprehensive	Best	Best Coverage plans offer optimal coverage and maximum peace of mind
Standard	Basic Plus	Basic Plus plans cover critical parts and selected adjacent systems
Powertrain	Basic	Basic plans cover essential parts that power your car

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*Coverage availability is indicative and may vary based on additional factors including but not limited to your car’s make, model, and year.

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 & Wheel Protection

Covers damage to tires and wheels from road hazards

Key Fob Replacement

Offers coverage for lost or damaged key fobs

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; Zurich does not restrict repairs to a specific network.
‍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.

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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Limit of Liability

Coverage is generally limited to the lesser of (i) the vehicle's actual cash value immediately before the covered loss, or (ii) the maximum aggregate limit that goes alongside the coverage you selected.*

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*Limit of Liability is indicative and may vary based on additional factors including but not limited to your car’s make, model, and year. Check your contract for your specific limit of liability terms.

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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.

Cancelations & 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.

Roadside Assistance

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

Included in every 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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