Zurich Insurance Group was founded in Switzerland in 1872 making it one of the longest-running and largest insurance companies in the world. Despite its history and size, its extended car warranties are not widely available. You can only purchase them at dealerships in your area that may only offer the warranty at the time of vehicle purchase. If you already have a car and want an extended warranty plan, then a Zurich plan may not be an option.
Zurich offers four basic extended car warranty plans. Choose from Powertrain, Standard, Preferred, or Comprehensive depending on how many components you want covered. There are lots of additional service plans offered by Zurich that aren’t technically extended warranties so it gets pretty confusing looking at their site. You can add on some of those smaller plans, but as far as the main extended warranty options, there are only four.
Here’s how the Zurich coverage breaks down for the 10 most expensive car repairs.
(*) Brakes does not include: Pads, Rotors, Shoes and Drums
Every plan offered by Zurich includes the following benefits:
This is your most basic warranty and, you probably guessed, coverage is limited to the powertrain. It includes:
Transfer Case (Automatic Transmission)
Transfer Case (Manual Transmission)
The Standard plan builds on the Powertrain plan with a large number of additional vehicle systems. It adds suspension, steering, brakes, heating and air conditioning, and electrical system coverage to include:
Heating and Air Conditioning
This plan builds on the Standard plan with the addition of the cooling system and interior and exterior coverage. It also increases the number of components from some systems. Additions include:
Heating and Air Conditioning
The top plan is a little different because it lists the things that are excluded rather than included in the plan. The following is a list of the components that are specifically excluded:
Unfortunately, it’s not easy to get quotes on a Zurich warranty. They don’t offer any way to get a direct quote either over the phone or online. Instead, when you reach out to Zurich they’ll put you in touch with a dealership in your area that offers their coverage.
Calling a selection of our local participating dealers, all offered Zurich only as an option at the time of vehicle purchase. This may not be the case in your area, so it’s a good idea to call the dealers Zurich recommends for you to see if one will work with you on a car you already own.
Deductibles and warranty costs aren’t listed online for Zurich, but you can glean information by what those who have purchased the warranty share. Deductibles generally start around $100, but can go higher depending on the repair and the vehicle.
As for the overall warranty cost, you can expect to pay at least $1000 for a warranty for the most basic level of coverage. The number climbs quickly from there for more comprehensive warranties and can be several thousand dollars or higher. The type of car you buy also has an impact on how much the warranty will cost. We gathered cost data from a variety of online sources where customers and potential customers shared their quotes. Consider this a rough guide as your quote will depend on your dealership and your car.
|Vehicle||Plan Name||Term||Total Cost||Deductible|
It’s easy to file a claim with Zurich. Take your car to the ASE certified repair shop of your choice and they will call Zurich directly to verify coverage. Once repairs are made, Zurich will pay the shop directly. You’ll only be responsible for your deductibles and any non-covered expenses, so be sure you know exactly what you’re on the hook for before the mechanic starts to work.
Most cars will be eligible for a Zurich warranty if they’re purchased at a dealership that works with Zurich. There are always exceptions.
Non-covered parts: Although you may have coverage for a system, it might not cover every part in that system. Warranty repairs for non-covered parts will cause a rejection for the cost of the repair
Scheduled maintenance neglected: If you don’t bother with scheduled maintenance and that causes a breakdown, even if it’s a covered part, then your claim could be rejected. Perform all scheduled maintenance and hold on to your receipts.
Unauthorized repairs: Make sure your repair facility is one that’s authorized and that they get approval for repairs before doing the work. Otherwise, you could be responsible for the bill.
“Filing a claim was pretty easy. I got a rental car the same day my car got taken care of.” - Douglas, ConsumerAffairs
“Every claim that I submitted was handled expeditiously and professionally. I did not have any problems whatsoever. I would highly recommend this company!” - Panthea, BBB
“...they handled all the paperwork, did the repair and Zurich paid the claim with no trouble. I didn't have to do a thing aside from handing the dealer a copy of the contract. Didn't know what to expect but was pleased with how easy the process was. Thank you!” - Jeremy, BBB
“I was told when I bought my new vehicle protection plan it covered everything. However when I picked up my vehicle they said it didn’t cover shop fees or something. So I had to pay my deductible and more for supplies.” - Beau, ConsumerAffairs
“Be very leery about purchasing their "comprehensive" auto coverage - make sure you read ALL the fine print about what is covered and what isn't. There are more parts that are not covered than are covered.” - Brian, BBB
The decision to purchase extended warranty depends on you, your car, and your comfort level with unexpected and potentially expensive repairs. If you are panicked at the thought of having a mechanical breakdown and paying for expensive repairs, then an extended warranty removes that worry. Instead of blowing your budget, you can budget the cost of the warranty more easily.
An extended warranty is also a good idea if your car has a history of being unreliable. If the make or specific model is one that is known for needing repairs, then it’s good to have an extended warranty to manage the cost.
The downside is that you may be saving yourself from repairs that never materialize. New cars are covered by lengthy manufacturer’s warranties that cover key components past the time when many people own their vehicles. If you don’t plan on keeping your car past the original warranty period, an extended warranty may not be worth the money
Always be suspicious of calls out of the blue offering an extended car warranty of any kind. These are usually scams. It’s best to do your own research and choose a provider that has an established reputation.
Call now 1-855-534-1173 or get an online quote
Car Talk has spent the last year doing a deep dive into the warranties industry for the benefit of our readership and long-time listeners. Our process for deciding on the best warranty companies for the year was exceptionally thorough, involving in-depth research and our unique secret shopper initiative. We compiled over 50 data points across all reviewed companies to refine and inform our selection process. Car Talk reviewed the following important criteria for each company:
Consumer Satisfaction: Cross referencing multiple trusted resources to pull our fair and balanced customer reviews.
Cost: Utilizing our secret shopper initiative, we got comparable quotes across all companies so we can validly compare pricing.
Coverage and Offerings: Our research team delved into the coverage and offerings for each company, comparing what is available, including extras and discounts.
Official Ratings: We consulted a wide range of verified review sites to extrapolate a ratings score for each.
Yes. Zurich has been in the insurance business since 1872 and is accredited with the Better Business Bureau where it has an A+ rating.
There’s no way to get an online or phone quote from Zurich since it offers its extended car warranties directly through dealerships. Expect to pay a minimum of $1000 or several thousand more depending on the coverage.
Simply take your car to an ASE certified mechanic. They will then call for repair authorization and be paid directly. You only pay the deductibles and any non-covered repairs.
Yes, you can cancel your warranty and receive a prorated refund, but you can also transfer it to a new owner if you sell your car.
An extended warranty can save thousands on repairs, but you may not ever need those repairs. It’s a gamble, but if the cost is affordable for your budget and you want the peace of mind, then an extended warranty is worth it.
Yes. You can receive a prorated refund for unused time still left on your warranty if you want to cancel when you sell your car, but you can also have the warranty transferred to the new owner.
The best way to get a good price is to compare offers. These are some popular options...