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FAQ

About

Zurich

Zurich offers mechanical breakdown insurance (MBI) and vehicle service contracts (VSCs) to protect your vehicle after the manufacturer’s warranty expires. With a 100% online platform, customers can quote, buy, and manage their coverage with ease.

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Coverage Plans

Highlights

Nationwide dealership-backed program
Roadside assistance, rental reimbursement, trip interruption included
Zurich pays repair shops directly
Transferable and cancellable

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PlanCoverageFeaturesUltra (Exclusionary)

Best

Factory-like bumper-to-bumper coveragePreferred

Best

Comprehensive stated protectionStandard

Basic Plus

Powertrain plus major systemsPowertrain

Basic

Engine, transmission, drive axle

Optional Add-ons

Claims

How to file a Claim

Initial Call - Start your claim by calling customer service on (800)-773-9980 or visit RepairPal to book an appointment.
‍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 noncovered 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

There are no yearly mileage restrictions but coverage continues up to 185,000 miles.

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Limit of Liability

Specific limits vary by contract; details provided in individual agreements.

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Branded Titles and Salvage Titles

Coverage for salvage or rebuilt titles is not available.

Cancelations & Transfer a Plan

Cancelations

You can cancel your plan at any time. Refund policies may vary; specific terms are outlined in individual contracts.

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Transfer a Plan

Service contracts are fully transferable to new owners, enhancing vehicle resale value.

Roadside Assistance

Frequently Asked Questions

Are there waiting periods before coverage starts?

There is no waiting period.

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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, you can start coverage with up to 140,000 miles on your vehicle. There are no yearly mileage limits but Zurich covers you up to 185,000 miles.

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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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