Why a Vehicle Protection Plan?
While a manufacturer’s warranty can protect you against certain breakdowns, true peace of mind comes from knowing you’re covered beyond the warranty period. Zurich’s protection plans are designed to protect you from paying for costly repairs, alleviate stress, and keep you and your vehicle on the road.
  • Denotes Roadside Assistance Included
Zurich logo.
Man doing diagnostics on an engine with a computer
technician looking at vehicle
Vehicle Service Contract

Vehicle Service Contract

Man doing diagnostics on an engine with a computer
technician looking at vehicle
Enjoy a more worry-free ownership experience
If you want to protect yourself against the high cost of vehicle repairs, a Vehicle Service Contract (VSC) can be a great option. A vehicle service contract is an all-risk mechanical breakdown plan that pays to repair or replace nearly every component in your vehicle. It’s peace of mind for you—and your budget.
Side-by-Side Comparison

This comparison shows different coverage levels across the Powertrain, Standard, and Comprehensive Plans.
chat showing different options
Repair and labor cost analysis ††
chart showing costs of repairs
†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally and recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Manufacturer Warranty vs. Vehicle Service Contract
A vehicle service contract extends coverage beyond the manufacturer’s warranty period and often pays for repairs not covered by your manufacturer’s warranty, as well as covers the cost of alternate transportation while yours is being repaired.

manufacture warranty vs vsc chart
Features and benefits of the Vehicle Service Contract (VSC):
  • A VSC provides coverage for the cost of parts and labor associated with eligible repairs based on your plan selection
  • Repair your vehicle virtually anywhere – you can have repairs made at your selling dealership or through any ASE-certified repair shop across the U.S.
  • Transferrable to the next vehicle owner, offering potentially higher resale value
  • A small deductible may apply per covered repair

Choose your coverage level:

Powertrain
Powertrain
The Powertrain Plan provides coverage for the component parts listed below. Click on the icons for details.
Drive Axel Icon
Drive Axle
Drive Axle
All internally lubricated parts including bearings, gears, thrust washers and spacers, limited slip posi-traction rear and front axle assemblies. Plus the following parts: axle shafts, axle bearings, constant velocity joints and boots, universal joints, and center support bearing. Seals and gaskets.* Final drive housing.** Fluids.***
Drive Axel Icon
Average Cost of Axle Shaft Repair with CV Joints:

$1,030††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally and recognized labor and repair time manuals, plus a 10% inflationary adjustment.

* Seals and gaskets coverage does not apply if your vehicle’s odometer reading is greater than 150,000 miles on the contract date of sale.

** When damaged as a result of the failure of a covered internally lubricated part.

*** When required in connection with the repair or replacement of a covered part.
Engine Icon
Engine
Engine
Gasoline engine: all internally lubricated parts including pistons, connecting rods and rod bearings, crankshaft and main bearings, camshaft, cam chains, timing chain, gears, tensioner and guide, variable valve timing parts, rocker arms, rocker arm pivots, valves, valve seats, valve springs, valve spring retainers, valve guides, valve push rods, hydraulic valve lifters, oil pump, oil pump drive, shaft and gears. Plus, these non-internally lubricated parts: water pump, fuel pump, valve covers, oil pan, timing belt, timing chain/belt cover, engine mounts, flywheel, flex plate, harmonic balancer, belt tensioner and idler pulley(s), intake and exhaust manifolds. Factory-installed supercharger/turbocharger. Seals and gaskets.* Cylinder head, engine block and rotor housings.** Fluids.***

Diesel engine: all of the above parts plus diesel fuel injection pump, fuel injectors, fuel lines.

Additional hybrid parts: electric drive motor.
Engine Icon
Average Cost of Engine Replacement:

$8,586††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

* Seals and gaskets coverage does not apply if your vehicle’s odometer reading is greater than 150,000 miles on the contract date of sale.

** When damaged as a result of the failure of a covered internally lubricated part.

*** When required in connection with the repair or replacement of a covered part.
Transfer Case Icon
Transfer Case
Transfer Case
All internally lubricated parts contained within the transfer case. Plus, these non-internally lubricated parts: electronic and vacuum engagement parts, four-wheel drive automatic/semi-automatic and manually operated hub assemblies. Seals and gaskets.* Transfer case housing.** Fluids.***

Additional hybrid parts: power split device and all internal components, reduction/reducer box.
Transfer Case Icon
Average Cost of Transfer Case Repair:

$2,861††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment

* Seals and gaskets coverage does not apply if your vehicle’s odometer reading is greater than 150,000 miles on the contract date of sale.

** When damaged as a result of the failure of a covered internally lubricated part.

*** When required in connection with the repair or replacement of a covered part.
Transmission Case Icon
Transmission
Transmission
Automatic transmission: all internally lubricated parts, including bands, pump, pump housing, carrier assembly, planetary gears, drums, reaction shaft and governor, valve body, servo assemblies. Plus, these non-internally lubricated parts: torque converter, transmission mount(s), oil pan. Seals and gaskets.* Transmission case.** Fluids.***

Manual transmission: all internally lubricated parts including main shaft, center shaft, all gears, input shaft, hub assemblies, synchronizers, shift rails, shift forks, and bearings. Plus, these non-internally lubricated parts: transmission mount(s). Seals and gaskets.* Transmission case.** Fluids.***
Transmission Case Icon
Average Cost of Transmission Repair:

$6,410††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

* Seals and gaskets coverage does not apply if your vehicle’s odometer reading is greater than 150,000 miles on the contract date of sale.

** When damaged as a result of the failure of a covered internally lubricated part.

*** When required in connection with the repair or replacement of a covered part.
Standard
Standard
The Standard Plan provides coverage for the component parts listed below. Click on the icons for details.

Brakes Icon
Brakes
Brakes
Master cylinder, vacuum assist booster, hydro-boost and accumulator, disc calipers, wheel cylinders, flexible hydraulic lines and fittings, compensating valve, load distribution valves, backing plates, self-adjusters, parking brake linkage and cables.
Brakes Icon
Average Cost of Brake Cylinder:

$639††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Cooling Icon
Cooling System
Cooling System
Radiator, engine cooling fan and motor, cooling fan clutch, cooling fan relay, coolant temperature sensor.

Additional hybrid parts: coolant pumps and coolant fans.
Cooling Icon
Average Cost of Radiator Cooling System Repair:

$992††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Drive Axel Icon
Drive Axle
Drive Axle
All internally lubricated parts including bearings, gears, thrust washers and spacers, limited slip posi-traction rear and front axle assemblies. Plus the following parts: axle shafts, axle bearings, constant velocity joints and boots, universal joints, and center support bearing. Seals and gaskets.* Final drive housing.** Fluids.***
Drive Axel Icon
Average Cost of Axle Shaft Repair with CV Joints:

$1,030††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally and recognized labor and repair time manuals, plus a 10% inflationary adjustment.

* Seals and gaskets coverage does not apply if your vehicle’s odometer reading is greater than 150,000 miles on the contract date of sale.

** When damaged as a result of the failure of a covered internally lubricated part.

*** When required in connection with the repair or replacement of a covered part.
Electrical Icon
Electrical
Electrical
Alternator, voltage regulator, starter motor, starter drive, starter solenoid or starter relay, wiper motor(s) (front and rear), factory-installed power sunroof motor, power window motor/regulator, power seat motor, power mirror motor, power door lock actuator.
Electrical Icon
Average Cost of Alternator Repair:

$1,032††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

Engine Icon
Engine
Engine
Gasoline engine: all internally lubricated parts, including pistons, connecting rods and rod bearings, crankshaft and main bearings, camshaft, cam chains, timing chain, gears, tensioner and guide, variable valve timing parts, rocker arms, rocker arm pivots, valves, valve seats, valve springs, valve spring retainers, valve guides, valve push rods, hydraulic valve lifters, oil pump, oil pump drive, shaft and gears. Plus, these non-internally lubricated parts: water pump, fuel pump, valve covers, oil pan, timing belt, timing chain/belt cover, engine mounts, flywheel, flex plate, harmonic balancer, belt tensioner and idler pulley(s), intake and exhaust manifolds. Factory-installed supercharger/turbocharger. Seals and gaskets.* Cylinder head, engine block and rotor housings.** Fluids.***

Diesel engine: all of the above parts plus diesel fuel injection pump, fuel injectors, fuel lines.

Additional hybrid parts: electric drive motor, battery management controller.
Engine Icon
Average Cost of Engine Replacement:

$8,586††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

* Seals and gaskets coverage does not apply if your vehicle’s odometer reading is greater than 150,000 miles on the contract date of sale.

** When damaged as a result of the failure of a covered internally lubricated part.

*** When required in connection with the repair or replacement of a covered part.
Heating & AC Icon
Heating & Air Conditioning
Heating & Air Conditioning
Compressor clutch, coil and pulley, dryer/accumulator, condenser, compressor, evaporator, expansion valve, and orifice. Seals and gaskets.*
Heating & AC Icon
Average Cost of A/C Compressor Repair:

$1,613††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

* Seals and gaskets coverage does not apply if your vehicle’s odometer reading is greater than 150,000 miles on the contract date of sale.
Steering Icon
Steering
Steering
Steering box, rack and pinion assembly, power steering pump, pitman arm, idler arm, radius arm, tie rod adjusting sleeve, tie rods and center link, steering column shaft, and shaft coupling and bearings. Seals and gaskets.*
Steering Icon
Average Cost of Steering Rack Repair:

$2,680††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

* Seals and gaskets coverage does not apply if your vehicle’s odometer reading is greater than 150,000 miles on the contract date of sale.
Suspension Icon
Suspension
Suspension
Front and rear suspension: upper and lower control arm(s), upper and lower control arm shafts and bushings, double wishbone assembly, upper and lower ball joints, wheel bearings/hubs, steering knuckle, torsion bars and bushings, track bar and bushings, stabilizer bars and bushings, stabilizer links, spindle and spindle support, coil springs and leaf springs, electronic level control compressor, sensor and limiter valve. Seals and gaskets.*
Suspension Icon
Average Cost of Upper and Lower Control Arm(s) Repair:

$841††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

* Seals and gaskets coverage does not apply if your vehicle’s odometer reading is greater than 150,000 miles on the contract date of sale.
Transfer Case Icon
Transfer Case
Transfer Case
All internally lubricated parts contained within the transfer case. Plus, these non-internally lubricated parts: electronic and vacuum engagement parts, four-wheel drive automatic/semi-automatic and manually operated hub assemblies. Seals and gaskets.* Transfer case housing.** Fluids.***

Additional hybrid parts: power split device and all internal components, reduction/reducer box.
Transfer Case Icon
Average Cost of Transfer Case Repair:

$2,861††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

* Seals and gaskets coverage does not apply if your vehicle’s odometer reading is greater than 150,000 miles on the contract date of sale.

** When damaged as a result of the failure of a covered internally lubricated part.

*** When required in connection with the repair or replacement of a covered part.
Transmission Case Icon
Transmission
Transmission
Automatic transmission: all internally lubricated parts, including bands, pump, pump housing, carrier assembly, planetary gears, drums, reaction shaft and governor, valve body, servo assemblies. Plus, these non-internally lubricated parts: torque converter, transmission mount(s), oil pan. Seals and gaskets.* Transmission case.** Fluids.***

Manual transmission: all internally lubricated parts including main shaft, center shaft, all gears, input shaft, hub assemblies, synchronizers, shift rails, shift forks, and bearings. Plus, these non-internally lubricated parts: transmission mount(s). Seals and gaskets.* Transmission case.** Fluids.***
Transmission Case Icon
Average Cost of Transmission Repair:

$6,410††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

* Seals and gaskets coverage does not apply if your vehicle’s odometer reading is greater than 150,000 miles on the contract date of sale.

** When damaged as a result of the failure of a covered internally lubricated part.

*** When required in connection with the repair or replacement of a covered part.
Comprehensive
Comprehensive
The Comprehensive Plan covers nearly every component of your vehicle. Coverage includes, but is not limited to, the components listed below. Click on the icons for details.

For a list of all exclusions, click here.
Brakes Icon
Brakes
Brakes
Master cylinder, vacuum assist booster, hydro-boost and accumulator, disc calipers, wheel cylinders, flexible hydraulic lines and fittings, compensating valve, load distribution valves, backing plates, self-adjusters, parking brake linkage and cables, ABS System – Electronic control unit, anti-lock computer module, wheel/speed sensor(s) and exciter(s), proportioning valve(s), high pressure hydraulic pump, electro-hydraulic proportioning control valves, relay(s), traction control system.

Additional hybrid parts: regenerative brake system and control module.
Brakes Icon
Average Cost of ABS Electronic Control Unit:

$1,421††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Computer Control Systems
Computer Control Systems
Computer Control Systems
Fuel injection control components, ignition control system, body computer, wiring harnesses, engine and drivetrain control modules, variable valve timing sensors.
Computer Control Systems
Average Cost of Engine and Drivetrain Control Modules:

$1,280††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Tech Systems Icon
Convenience & Tech Systems
Convenience & Tech Systems
Radio and navigation screen, heated and cooled seats, power antenna, remote entry and alarm system, cruise control system, collision avoidance system, sunroof and panoramic sliding roof components (excluding glass), vehicle camera system, defroster grid and heated mirrors, and Bluetooth® audio system.
Tech Systems Icon
Average Cost of Navigation System Repair:

$4,057††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Cooling Icon
Cooling System
Cooling System
Radiator, engine cooling fan and motor, cooling fan clutch, cooling fan relay, coolant temperature sensor, thermostat, and EGR cooler.

Additional hybrid parts: coolant pumps, coolant fans, and coolant heaters, coolant management control system, coolant sensors.
Cooling Icon
Average Cost of Radiator Cooling System Repair:

$992††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Drive Axel Icon
Drive Axle
Drive Axle
All internally lubricated parts including bearings, gears, thrust washers and spacers, limited slip posi-traction rear and front axle assemblies. Plus, the following parts: axle shafts, axle bearings, constant velocity joints and boots, universal joints, center support bearing, flex disc and propeller shaft. Seals and gaskets. Final drive housing. Fluids.
Drive Axel Icon
Average Cost of Axle Shaft Repair with CV Joints:

$1,030††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally and recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Electrical Icon
Electrical
Electrical
Alternator, voltage regulator, starter motor, starter drive, starter solenoid or starter relay, wiper motor(s) (front and rear), factory-installed power sunroof motor, power window motor/regulator, power seat motor, power mirror motor, power door lock actuator, manually operated switches, convertible top motor, factory-installed clock, wiper motor relay, wiper delay controller, headlight motor, distributor, electronic ignition system, computerized timing control unit and sensors, electronic fuel injection components, rear window defogger switch and relay, rear window defogger grid, cruise control system, horn(s), factory-installed power antenna and power antenna relay, power point accessory outlet, wiring harnesses, fuel gauge and sending unit, analog gauges, electronic instrument cluster, factory-installed remote entry system, factory-installed anti-theft system, electric fuel pump relay, windshield washer pump and motor, radio/audio, radio speakers, resistors, other relays, other modules, neutral safety switch and turn signal flasher/hazard flasher.

Additional hybrid parts: inverter/converter/transformer unit, junction block, main battery cables, power button, three-phase high-voltage cables, voltage inverter reservoir, onboard charging system. EV sensors, relays and modules.
Electrical Icon
Average Cost of Alternator Repair:

$1,032††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Emissions Icon
Emissions System
Emissions System
Fuel tank and fuel lines, fuel gauge level sensor, evaporative system canister, diesel emission fluid tank, pump and heater, purge control valve and solenoid, EGR valve, emission-related sensors and switches, and charcoal canister.
Emissions Icon
Average Cost of Evaporative System Canister:

$1,260††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Engine Icon
Engine
Engine
Gasoline engine: all internally lubricated parts, including pistons, connecting rods and rod bearings, crankshaft and main bearings, camshaft, cam chains, timing chain, gears, tensioner and guide, variable valve timing parts, rocker arms, rocker arm pivots, valves, valve seats, valve springs, valve spring retainers, valve guides, valve push rods, hydraulic valve lifters, oil pump, oil pump drive, shaft and gears. Plus, these non-internally lubricated parts: water pump, fuel pump, valve covers, oil pan, timing belt, timing chain/belt cover, engine mounts, flywheel, flex plate, harmonic balancer, belt tensioner and idler pulley(s), intake and exhaust manifolds. Factory-installed supercharger/turbocharger. Seals and gaskets. Cylinder head, engine block and rotor housings. Fluids.

Diesel engine: all of the above parts plus diesel fuel injection pump, fuel injectors, fuel lines.

Additional hybrid parts: high-voltage battery, electric drive motor, battery management controller.
Engine Icon
Average Cost of Engine Replacement:

$8,586††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Heating & AC Icon
Heating & Air Conditioning
Heating & Air Conditioning
Compressor clutch, coil and pulley, dryer/accumulator, condenser, compressor, evaporator, expansion valve, orifice, temperature control programmer, blower motor, heater core, air conditioner in-line filter, air conditioner lines, switches, air conditioner relay, temperature controls, water control valve, ducts and outlets, and vent motor/duct motor. Seals and gaskets.
Heating & AC Icon
Average Cost of A/C Compressor Repair:

$1,613††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Interior Exterior Icon
Interior & Exterior
Interior & Exterior
Hood release cable, trunk release cable and actuator, hood, door and trunk hinges, trunk pull-down motor, door release handle, door lock linkages, door latch mechanism, door mirror, interior rear-view mirror assembly, window sash/run channel, speedometer, interior light assemblies, exterior light assemblies, lumbar bag air pump, wiper transmission/wiper arm, and door and trunk lock cylinders.

Additional hybrid parts: battery monitor system and charging port release.
Interior Exterior Icon
Average Cost of Trunk Pull-Down Motor/Actuator:

$438††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Steering Icon
Steering
Steering
Steering box, rack and pinion assembly, power steering pump, pitman arm, idler arm, radius arm, tie rod adjusting sleeve, tie rods and center link, steering column shaft, shaft coupling and bearings, power steering pressure and return line(s), power cylinder valves and bearings, adjustable steering column/tilt wheel mechanism, power steering speed sensor, steering damper and steering hoses, electronic steering components, steering column. Seals and gaskets.
Steering Icon
Average Cost of Steering Rack Repair:

$2,680††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Suspension Icon
Suspension
Suspension
Front and rear suspension: upper and lower control arm(s), upper and lower control arm shafts and bushings, double wishbone assembly, upper and lower ball joints, wheel bearings/hubs, steering knuckle, torsion bars and bushings, track bar and bushings, stabilizer bars and bushings, stabilizer links, spindle and spindle support, coil springs and leaf springs, electronic level control compressor, sensor and limiter valve, suspension control module, struts and strut mounts. Seals and gaskets.



Suspension Icon
Average Cost of Upper and Lower Control Arm(s) Repair:

$841††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Transfer Case Icon
Transfer Case
Transfer Case
All internally lubricated parts contained within the transfer case. Plus, these non-internally lubricated parts: electronic and vacuum engagement parts, four-wheel drive automatic/semi-automatic and manually operated hub assemblies. Seals and gaskets. Transfer case housing. Fluids.

Additional hybrid parts: power split device and all internal components, reduction/reducer box.
Transfer Case Icon
Average Cost of Transfer Case Repair:

$2,861††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Transmission Case Icon
Transmission
Transmission
Automatic transmission: all internally lubricated parts, including bands, pump, pump housing, carrier assembly, planetary gears, drums, reaction shaft and governor, valve body, servo assemblies, transmission cooler and cooler lines, pressure plate assembly, clutch release bearing, release bearing retainer, shift cable, linkage, transmission computer, clutch master cylinder, clutch slave cylinder, shifter assembly/shift knob. Plus, these non-internally lubricated parts: torque converter, transmission mount(s), oil pan. Seals and gaskets. Transmission case. Fluids.

Manual transmission: all internally lubricated parts including main shaft, center shaft, all gears, input shaft, hub assemblies, synchronizers, shift rails, shift forks, and bearings. Plus, these non-internally lubricated parts: transmission mount(s). Seals and gaskets. Transmission case. Fluids.
Transmission Case Icon
Average Cost of Transmission Repair:

$6,410††

With VSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for fifteen common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same fifteen vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Benefits included with every plan:
Emergency Roadside Assistance
24/7 Emergency Roadside Assistance coverage for services such as: towing, flat tire changes, gas and fluids delivery, battery services, and frozen lock and lockout services–up to specified limit per disablement.
Roadside Assistance Icon
Transportation Reimbursement
In conjunction with covered repairs–up to a specified daily limit.
Key Icon
Trip Interruption
Food and lodging for up to three days–up to specified limit–if breakdown occurs more than 100 miles from home.
Luggage Icon
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Legal Disclaimer

This brochure gives a general overview of Zurich’s Vehicle Service Contracts available to qualified customers through individual member companies of Zurich in North America. Certain restrictions and exclusions apply, and coverages may differ in certain states. Please consult your vehicle service contract for detailed terms and conditions.

Universal Underwriters Service Corporation (UUSC), an individual member company of Zurich in North America, is the issuing provider and administrator of Zurich’s vehicle service contracts in all states except Florida. In Florida, the issuing provider and administrator is Vehicle Dealer Solutions, Inc. (FL License #60132). In California and New York, UUSC operates under its d/b/a UUSC Service Company (CA License #0C17302).

©2023 Zurich American Insurance Company. All Rights Reserved. A1-P0604406-A (09/23)
Electric Vehicle Service Contracts Hero
interior of vehicle
Electric Vehicle Service Contract 

Electric Vehicle Service Contract 

Electric Vehicle Service Contracts Hero
interior of vehicle
Coverage for those unexpected and costly breakdowns
Electric vehicles are designed with some of the most advanced technology available today. Should your electric vehicle experience a breakdown, a specialized technician and more expensive parts will likely be needed to repair it. An Electric Vehicle Service Contract pays to repair or replace covered components in your vehicle, offering you a more worry-free ownership experience.
Side-by-Side Comparison
This comparison shows different coverage levels across the Powertrain, Standard, and Comprehensive Plans.
Electric Vehicle Service Chart - What's Included
Manufacturer Warranty vs Electric Vehicle Service Contract
An Electric Vehicle Service Contract extends coverage beyond the manufacturer’s warranty period and often pays for repairs not covered by your manufacturer’s warranty. It also covers the cost of alternate transportation while yours is being repaired.

Manufacturer Warranty vs Electric Vehicle Service Contract
Features and Benefits of an Electric Vehicle Service Contract (EVSC):
  • An EV Service Contract provides coverage for the cost of parts and labor associated with covered repairs
  • Provides coverage for the EV high-voltage battery (Comprehensive Plan only)
  • Repair your vehicle virtually anywhere—at your selling dealership or through any ASE-certified repair shop across the U.S
  • Transferable to the next vehicle owner, offering potentially higher resale value
  • A small deductible may apply per covered repair

Choose your coverage level:

Powertrain
Powertrain
The Powertrain Plan provides coverage for the component parts listed below. Click on the icons for details.
Drive Axel Icon
Drive Axle
Drive Axle
All internally lubricated parts, including: bearings, gears, thrust washers and spacers, limited slip posi-traction rear and front axle assemblies. Plus the following parts: axle shafts, axle bearings, constant velocity joints and boots, universal joints, and center support bearing. Seals and gaskets.* Final drive housing.**
Drive Axel Icon
Average Cost of Axle Shaft Repair

$1,059††

With EVSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for six common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same six vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

* Seals and gaskets coverage does not apply if your vehicle’s odometer reading is greater than 150,000 miles on the contract date of sale.

** When damaged as a result of the failure of a covered internally lubricated part.
EV Drive System Icon
EV Drive Systems / Transmission
EV Drive Systems / Transmission
 Electric drive motor/generator and all internal parts; electric drive motor dampener, electric drive motor mounts, and electric drive motor case.**
EV Drive System Icon
Average Cost of Electric Drive Motor Repair:

$7,921††

With EVSC coverage:

$0

A small deductible may apply.

 ††
The repair parts prices set out above are average part prices for six common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same six vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

 ** When damaged as a result of the failure of a covered internally lubricated part.
Standard
Standard
The Standard Plan provides coverage for the component parts listed below. Click on the icons for details.
Brakes Icon
Brakes
Brakes
Master cylinder, vacuum assist booster, hydro-boost and accumulator, disc calipers, wheel cylinders, flexible hydraulic lines and fittings, compensating valve, load distribution valves, backing plates, self-adjusters, parking brake linkage and cables.
Brakes Icon
Average Cost of Disc Brake Calipers Repair:

$717††

With EVSC coverage:

$0

A small deductible may apply.

†† The repair parts prices set out above are average part prices for six common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same six vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

Cooling Icon
Cooling System
Cooling System
Radiator, engine cooling fan and motor, cooling fan clutch, cooling fan relay, coolant temperature sensor. EV battery cooling fan motor, coolant pump and control valve, EV battery temperature sensor and thermistor, EV system radiator(s).
Cooling Icon
Average Cost of Radiator Cooling System Repair:

$999††

With EVSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for six common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same six vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

Drive Axel Icon
Drive Axle
Drive Axle
All internally lubricated parts, including: bearings, gears, thrust washers and spacers, limited slip posi-traction rear and front axle assemblies. Plus the following parts: axle shafts, axle bearings, constant velocity joints and boots, universal joints, and center support bearing. Seals and gaskets.* Final drive housing.**
Drive Axel Icon
Average Cost of Axle Shaft Repair

$1,059††

With EVSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for six common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same six vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

* Seals and gaskets coverage does not apply if your vehicle’s odometer reading is greater than 150,000 miles on the contract date of sale.

** When damaged as a result of the failure of a covered internally lubricated part.

Electrical Icon
Electrical
Electrical
Alternator, voltage regulator, starter motor, starter drive, starter solenoid or starter relay, wiper motor(s) (front and rear), factory-installed power sunroof motor, power window motor/regulator, power seat motor, power mirror motor, power door lock actuator. EV battery onboard charger, charge controller/power management control module, EV battery current sensor and circuit breaker.
Electrical Icon
Average Cost of Sunroof Motor Replacement:

$762††

With EVSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for six common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same six vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

EV Drive System Icon
EV Drive Systems / Transmission
EV Drive Systems / Transmission
Electric drive motor/generator and all internal parts, electric drive motor dampener, electric drive motor mounts, electric drive motor coolant pump, onboard charger, battery coolant pump, drive system coolant pump, and electric drive motor case.**
EV Drive System Icon
Average Cost of Electric Drive Motor Repair:

$7,921††

With VSC coverage:

$0

A small deductible may apply.

†† The repair parts prices set out above are average part prices for six common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same six vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

** When damaged as a result of the failure of a covered internally lubricated part.

Heating & AC Icon
Heating & Air Conditioning
Heating & Air Conditioning
Compressor clutch, coil and pulley, dryer/accumulator, condenser, compressor, evaporator, expansion valve, orifice.
Heating & AC Icon
 Average Cost of A/C Compressor Repair:

$1,999††

With EVSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for six common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same six vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Steering Icon
Steering
Steering
Steering box, rack and pinion assembly, power steering pump, pitman arm, idler arm, radius arm, tie rod adjusting sleeve, tie rods and center link, steering column shaft, shaft coupling and bearings.
Steering Icon
Average Cost of Steering Rack Repair:

$2,874††

With EVSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for six common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same six vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

Suspension Icon
Suspension
Suspension
Front and rear suspension: upper and lower control arm(s), upper and lower control arm shafts and bushings, double wishbone assembly, upper and lower ball joints, wheel bearings, steering knuckle, torsion bars and bushings, track bar and bushings, stabilizer bars and bushings, stabilizer links, spindle and spindle support, coil springs and leaf springs, electronic level control compressor, sensors and limiter valves, suspension control and hub assembly. Seals and gaskets.*
Suspension Icon
Average Cost of Upper and Lower Control Arm(s) Repair:

$713††

With EVSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for six common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same six vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

* Seals and gaskets coverage does not apply if your vehicle’s odometer reading is greater than 150,000 miles on the contract date of sale.
Comprehensive
Comprehensive
The Comprehensive Plan covers nearly every component of your vehicle. Coverage includes, but is not limited to, the components listed below. Click on the icons for details.

For a list of all exclusions, click here.
Brakes Icon
Brakes
Brakes
ABS System - Electronic control unit, anti-lock computer module, wheel/speed sensor(s) and exciter(s), proportioning valve(s), high pressure hydraulic pump, electro-hydraulic proportioning control valves, relay(s), master cylinder, disc calipers, wheel cylinders, flexible hydraulic lines and fittings, parking brake linkage and cables, traction control system, regenerative brake system, and control module. Seals and gaskets.
Brakes Icon
Average Cost of Disc Brake Calipers Repair:

$717††

With EVSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for six common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same six vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

Computer Control Systems
Computer Control Systems
Computer Control Systems
Body computer, wiring harnesses, and drivetrain control modules.
Computer Control Systems
Average Cost of Repair of Battery Module/Power Converter:

$2,659††

With EVSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for six common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same six vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Tech Systems Icon
Convenience & Tech Systems
Convenience & Tech Systems
Radio and navigation screen, heated and cooled seats, power antenna, remote entry and alarm system, cruise control system, collision avoidance system, sunroof and panoramic sliding roof components (excluding glass), vehicle camera system, defroster grid and heated mirrors, and Bluetooth® audio system.
Tech Systems Icon
Average Cost of Navigation System Repair:

$4,056††

With EVSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for six common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same six vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Cooling Icon
Cooling System
Cooling System
Radiator, cooling fan and motor, cooling fan relay, coolant temperature sensor, coolant management control system, coolant pumps, coolant sensors, coolant fans, and coolant heaters. EV battery cooling fan motor, coolant pump and control valve, EV battery temperature sensor and thermistor, EV system radiator(s).
Cooling Icon
Average Cost of Radiator Cooling System Repair:

$999††

With EVSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for six common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same six vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

Drive Axel Icon
Drive Axle
Drive Axle
All internally lubricated parts, including: bearings, gears, thrust washers and spacers, limited slip posi-traction rear and front axle assemblies. Plus the following parts: axle shafts, axle bearings, constant velocity joints and boots, universal joints, center support bearing, flex disc and propeller shaft. Seals and gaskets. Final drive housing.
Drive Axel Icon
Average Cost of Axle Shaft Repair:

$1,059††

With EVSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for six common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same six vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

Electrical Icon
Electrical
Electrical
Charging cable, charging port, battery sensors, manually operated switches, convertible top motor, factory-installed clock, wiper motor relay, wiper delay controller, headlight motor, rear window defogger switch and relay, rear window defogger grid, adaptive cruise control system, horn(s), factory-installed power antenna and power antenna relay, power point accessory outlet, wiring harnesses, analog gauges, electronic instrument cluster, factory-installed remote entry system, factory-installed anti-theft system, alternator, voltage regulator, starter drive, starter solenoid or starter relay, wiper motor(s) (front and rear), factory-installed power sunroof motor, power window motor/regulator, power seat motor, power mirror motor, power door lock actuator, windshield washer pump and motor, cooling fan relay/thermo-sensor, radio/audio, radio speakers, speed sensor, resistors, other relays, other modules, and turn signal flasher/hazard flasher.
Electrical Icon
Average Cost of Adaptive Cruise Control System:

$2,060††

With EVSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for six common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same six vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

EV Drive System Icon
EV Drive Systems / Transmission / High-Voltage Battery
EV Drive Systems / Transmission / High-Voltage Battery
High-voltage battery, electric drive motor/generator and all internal parts, transmission, transfer case, power electronics controller, electric drive motor dampener, electric drive motor mounts, and electric drive motor case, inverter/converter/transformer unit, onboard charger, battery coolant pump, drive system coolant pump, junction block, main battery cables, three-phase high-voltage cables, voltage inverter reservoir, EV sensors, relays and modules, power button.
EV Drive System Icon
Average Cost of Electric Drive Motor Repair:

$7,921††

With EVSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for six common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same six vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Heating & AC Icon
Heating & Air Conditioning
Heating & Air Conditioning
Controller, temperature control programmer, blower motor, heater core, air conditioner in-line filter, compressor clutch, coil and pulley, dryer/accumulator, condenser, compressor, evaporator, expansion valve, orifice. Air conditioner lines, switches, air conditioner relay, temperature controls, water control valve, ducts and outlets and vent motor/duct motor. Seals and gaskets.
Heating & AC Icon
Average Cost of A/C Compressor Repair:

$1,999††

With EVSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for six common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same six vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Interior Exterior Icon
Interior & Exterior
Interior & Exterior
Charging port release, hood release cable, trunk release cable and actuator, hood, door and trunk hinges, trunk pull-down motor, door release handle, door lock linkages, door latch mechanism, door mirror, interior rear-view mirror assembly, window sash/run channel, speedometer, interior light assemblies, exterior light assemblies, lumbar bag air pump and wiper transmission/wiper arm, door and trunk lock cylinders.
Interior Exterior Icon
 Average Cost of Trunk Pull-Down Motor/Actuator Repair:

$430††

With EVSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for six common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same six vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.
Steering Icon
Steering
Steering
Power steering pressure and return line(s), power cylinder valves and bearings, adjustable steering column/tilt wheel mechanism, steering box, rack and pinion assembly, power steering pump, pitman arm, idler arm, radius arm, tie rod adjusting sleeve, tie rods and center link. Power steering speed sensor, steering damper and steering hoses, electronic steering components, and steering column. Seals and gaskets.
Steering Icon
Average Cost of Steering Rack Repair:

$2,874††

With EVSC coverage:

$0

A small deductible may apply.

†† The repair parts prices set out above are average part prices for six common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same six vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

Suspension Icon
Suspension
Suspension
Front and rear suspension: upper and lower control arm(s), upper and lower control arm shafts and bushings, double wishbone assembly, upper and lower ball joints, wheel bearings, steering knuckle, torsion bars and bushings, track bar and bushings, stabilizer bars and bushings, stabilizer links, spindle and spindle support, coil springs and leaf springs, electronic level control compressor, struts and strut mounts, suspension sensors and actuators, suspension control modules, air suspension bag, and hub assembly. Seals and gaskets.
Suspension Icon
Average Cost of Upper and Lower Control Arm(s) Repair:

$713††

With EVSC coverage:

$0

† A small deductible may apply.

†† The repair parts prices set out above are average part prices for six common passenger vehicles on the road today. The labor charges are an average of associated repair rates and times for the repairs on the same six vehicle models obtained from nationally recognized labor and repair time manuals, plus a 10% inflationary adjustment.

Benefits included with every plan:
Emergency Roadside Assistance
24/7 Emergency roadside assistance coverage for services such as: towing, flat tire changes, gas and fluids delivery, battery services, and frozen lock and lockout services–up to specified limit per disablement.
Roadside Assistance Icon
Transportation Reimbursement
In conjunction with covered repairs–up to a specified daily limit.
Key Icon
Trip Interruption
Food and lodging for up to three days–up to specified limit–if breakdown occurs more than 100 miles from home.
Luggage Icon
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Legal Disclaimer

This brochure gives a general overview of Zurich’s Electric Vehicle Service Contracts. Certain restrictions and exclusions apply, and coverages may differ in certain states. Please consult your vehicle service contract for detailed terms and conditions.

Universal Underwriters Service Corporation (UUSC), a member company of Zurich in North America, is the issuing provider and administrator of Zurich’s vehicle service contracts in all states. In California and New York, UUSC operates under its DBA, UUSC Service Company (CA License #0C17302). In Florida, the issuing provider and administrator is Vehicle Dealer Solutions (FL License #60132).

©2023 Zurich American Insurance Company. All Rights Reserved. A1-P0604405-A (09/23)
Two vehicles colliding.
Guaranteed Auto Protection (GAP)

Guaranteed Auto Protection (GAP)

Two vehicles colliding.
Bridge the GAP
Nothing can be quite as exciting as driving your new vehicle off the dealership lot for the first time. Unfortunately, a new vehicle’s value typically depreciates at a fast rate. If you are making loan payments and your vehicle is stolen and not recovered, totaled in an accident, or damaged beyond repair due to a natural disaster, your auto insurance alone may not be enough to cover the outstanding balance. Insurance typically covers the vehicle’s actual cash value rather than the total amount remaining on your loan. This could leave a financial “gap” of thousands of dollars, a gap you would be responsible for paying.

Guaranteed Auto Protection (GAP) offers financial protection and peace of mind, waiving or canceling the remaining balance of your vehicle loan after the payment from your insurance company.* Your insurance deductible of up to $1,000 may also be covered.
Benefits
  • Covers negative equity
  • Helps maintain your good credit
  • Insurance deductible of up to $1,000 may be covered
  • Cost can be added to your vehicle’s monthly payment
* The amount cancelled could be limited if the amount of the loan or lease exceeds a certain percentage of the actual value of the covered vehicle. The amounts cancelled vary, and there may be amounts for which you remain liable. Please consult your GAP agreement for full details of the terms and conditions of this coverage.
Graph_image.png
How to calculate GAP coverage
GAP Waiver formula

  1. Car purchased

    $75,000 Original amount financed

  2. Car totaled in accident

    $67,000 Loan balance at time of loss
    $60,000 Vehicle cash value at time of loss (Per insurance company)

  3. The GAP

    $67,000 Loan balance at time of loss
    - $1,000 Deductible paid by customer
    - $59,000 Insurance settlement
    --------------------------------------------------
    The GAP
    $7,000 Amount not covered by insurance settlement

  4. GAP Waiver

    $7,000 Amount waived by GAP
    + $1,000 Reimbursed customer deductible
    --------------------------------------------------
    $8,000 Covered with GAP Waiver
    With GAP Waiver, you owe nothing: $0
When will GAP apply?
What is covered?
  • Vehicle is totaled in an auto accident
  • Vehicle is stolen and not recovered
  • Vehicle is destroyed in a natural disaster
What is not covered?
  • Repairs to your vehicle
  • Car payments in case of hardship
  • Value of vehicle or balance of loan if it is repossessed
  • Past due car payments and late fees

Vehicle Eligibility

Gas combustion, hybrid and electric vehicles
Fuel Icon
Most makes and models, ask your dealership representative for further details.
Makes & Models Icon
Transparent spacer
Legal disclaimer

This brochure gives you a general overview of Zurich’s GAP waiver program available in California and other states. Purchase of this product is voluntary and not required to complete the retail transaction. GAP Programs may vary by state. The amount waived under a GAP waiver contract could be limited if the amount of the loan or lease exceeds a certain percentage of the actual value of the covered vehicle. Additionally, actual payoffs vary and there may be amounts for which the buyer may remain liable, including the auto insurance deductible. Please consult the GAP agreement for details. In California, contact Universal Underwriters Service Corporation, an individual member company of Zurich in North America, the administrator of the GAP waiver program with questions. In other states, contact the selling dealer or Universal Underwriters Service Corporation, an individual member company of Zurich in North America, the administrator of the GAP waiver program with questions. In California, UUSC operates under its d/b/a UUSC Service Company (CA License #0C17302).

©2023 Zurich American Insurance Company. All Rights Reserved. A1-P0339395-A (04/23)
Lease Wear & Use Thumbnail Image.
vehicle with a flat tire
Road Hazard Tire & Wheel Protection

Road Hazard Tire & Wheel Protection

Lease Wear & Use Thumbnail Image.
vehicle with a flat tire
Don’t let potholes and road hazards disrupt your journey
You never know when a road hazard will cause damage to your vehicle’s tires and wheels. Road Hazard Tire & Wheel Protection provides coverage for those unforeseen moments—protection not typically provided through the manufacturer’s warranty.
What is covered?
Potholes
potholes logo.
Nails
nails logo.
Glass
glass logo.
Metal
metal logo.
Debris
debris logo.
Wood
wood logo.
What is not covered?
Car accident
Car accident logo
Collision with curb
Collision with curb
Theft or vandalism
theft logo.
Benefits:
  • No deductible
  • No mileage limitations
  • Includes related repair costs, including mounting, balancing, valve stems and taxes
  • One-to five-year terms available
  • All eligible vehicle tires can be covered (minimum 3/32” tread at time of damage required)
  • Transferrable to next owner
NOTE: Alloy Wheel Cosmetic Repair may be covered under your Road Hazard Tire & Wheel Protection Plan. Please confirm with your dealership representative or your Plan documents.
Benefits included with every plan:
Emergency Roadside Assistance
24/7 Emergency roadside assistance coverage for services such as: towing, flat tire changes, gas and fluids delivery, battery services, and frozen lock and lockout services–up to specified limit per disablement.
Emergency Roadside Assistance Icon.

Vehicle Eligibility

Gas combustion, hybrid and electric vehicles
Fuel Icon
Most makes and models, ask your dealership representative for further details.
Makes & Models Icon
Transparent spacer
Legal disclaimer

This brochure gives a general overview of Zurich’s Tire & Wheel Road Hazard service contracts available to qualified customers through the individual companies of Zurich in North America. Certain restrictions and exclusions apply, and coverages may differ in certain states. Please consult your vehicle service contract for detailed terms and conditions.

Universal Underwriters Service Corporation (UUSC), an individual member company of Zurich in North America, is the issuing provider and administrator of Zurich’s vehicle service contracts in all states except Florida. In Florida, the issuing provider and administrator is Vehicle Dealer Solutions, Inc. (FL License #60132). In California and New York, UUSC operates under its d/b/a UUSC Service Company (CA License #0C17302).

©2023 Zurich American Insurance Company. All Rights Reserved. A1-P0339396-A (04/23)
Environmental Protection Plans Hero
Environmental Protection Plans

Environmental Protection Plans

Environmental Protection Plans Hero
Help keep your vehicle looking showroom new
Whether you are looking to protect your vehicle’s exterior, interior, or undercarriage, our Environmental Protection Plans have you covered! Protect your vehicle’s paint surface with a specially developed sealant that shields your vehicle from harmful elements like acid rain, tree sap, bird waste, and more. On the interior, you can protect your leather, vinyl, and fabric from spills and stains caused by food and drinks, pets, makeup, gum, and a variety of other messy accidents. If you want to reduce surface rust and protect the undercarriage of your vehicle, a Rust & Undercoat Plan could be perfect for you. You can even improve visibility and strengthen your windshield with Windshield Protection.
Exterior - Paint Protection
Exterior - Paint Protection
With exterior paint protection, your paint will be sealed, allowing it to repel UV rays and chemicals, as well as harmful environmental elements.
Product features and benefits:
  • Seals and protects paint surfaces
  • Protects against weather-induced fading and loss of gloss
  • If EPP fails to perform, the damaged portion of the vehicle will be treated
  • Rental reimbursement should vehicle need treatment
  • Renewable
  • Transferable to next owner
Exterior coverage includes:
  • Weather-induced fading
  • Loss of gloss
  • Hard water etching
  • Bird waste
  • Acid rain
  • Tree sap
  • Oxidation
  • Insects
  • Road salt
  • De-Icing agents
  • Sand abrasion
  • Accidental paint overspray
Exterior coverage does not include:
  • Damage due to misuse of vehicle
  • Damage to inside of truck bed
  • Flaking, cracking or separation of paint
  • Metal plate or chrome trim damage
  • Parts, decals or equipment installed after the factory
  • Untreated repaired or repainted parts
Interior Protection
Interior Protection
Help extend the life of your vehicle’s interior and protect against premature aging to fabric, leather and vinyl surfaces.
Product features and benefits:
  • Makes cleanup easy
  • Creates a barrier against stains
  • Delays fading
  • Extends life of fabric seats and carpet
  • Protects against premature aging of leather and vinyl
Interior coverage includes:
  • Food & drink stains
  • Oil-based stains
  • Fading
  • Cracking
  • Pet stains
  • Lipstick & makeup
  • Crayons
  • Urine & vomit
  • Blood
  • Ink & dyes (including clothing dyes)
  • Leather/vinyl punctures (less than ¼”)
  • Leather/vinyl tears (less than 1”)
  • Loose seam stitching
  • Chewing gum
Interior coverage does not include:
  • Floor mats
  • Headliner
  • Odor removal
  • Water stains
  • Manufacturer material defects
Exterior - Rust & Undercoat
Exterior - Rust & Undercoat
Salt, humidity, and other harmful environmental elements can cause your vehicle’s surface to rust and corrode. Professionally applied to targeted areas of your vehicle, Rust Protection helps minimize surface damage while preserving the value and appearance of your vehicle. Applying Undercoat Protection to the undercarriage of your vehicle helps protect it against dust and debris while reducing engine and road noise.
Rust Protection
  • Keeps moisture from corroding inner body panels
  • Protection against rust perforation from the inside out
  • Reduced surface rust and corrosion
  • Protects against salt and humidity
  • Preserves appearance and value of your vehicle
Undercoat & Sound Deadener
  • Reduces engine and road noise
  • Helps maintain interior cabin temperature levels
  • Protects underbody against dust and debris
Exterior - Windshield Protection
Exterior - Windshield Protection
Your windshield may appear smooth, but it is actually jagged with peaks and valleys at the microscopic level. Windshield Protection helps shield the surface of your windshield from road hazards by forming a protective coating over its surface, making it more durable and resistant to normal cracks, chips, and scratches.
Product features and benefits:
  • Barrier repels water and oil, providing better visibility
  • Makes ice and snow easy to remove
  • Keeps moisture from corroding inner body panels
  • Allows for easy removal of dead insects, tree sap, and road tar
  • UV resistant - won’t blister or peel
  • Can reduce rock chip damage
  • Transferable to next owner increasing your vehicle’s resale value
Product Warranty:

If the product fails to perform as warranted, Automotive Protective Services, Inc., the warranty administrator, will repair or replace the damaged portion of the treated surface of your windshield.*

* This is a product guarantee in Washington

Vehicle Eligibility

Gas combustion, hybrid and electric vehicles
Fuel Icon
Most makes and models, ask your dealership representative for further details.
Makes & Models Icon
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Legal disclaimer

This brochure gives a general overview of environmental protection plans, including Zurich Shield® Environmental Protection, Zurich Shield® Windshield Protection and Zurich Shield® Rust and Undercoat Protection available through Universal Underwriters Service Corporation (UUSC), an individual member company of Zurich in North America. In California and New York, UUSC operates under its d/b/a UUSC Service Company (CA License #0C17302). Certain restrictions and exclusions apply, and coverages may differ in certain states. Please consult your Zurich Shield® contract for detailed terms and conditions. Zurich Shield® is a registered trademark of Zurich American Insurance Company. Automotive Protection Systems, Inc. is the issuing provider, administrator and warrantor of Zurich Shield®. Automotive Protective Systems is not affiliated with Zurich American Insurance Company.

©2023 Zurich American Insurance Company. All Rights Reserved. A1-P0339397-A (04/23)

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Select Protection

Select Protection

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A bundle of services and protection for the unexpected
The Select Protection Plan provides worry-free ownership by covering the repair of unfortunate mishaps such as minor dents and dings, tire or wheel damage, and windshield chips. It can even pay to replace lost vehicle key fobs. This protection helps you maintain your vehicle's value and keep it looking new.

Flexible benefit combinations are available so you can select the coverages that best suit your driving needs and budget. As an added bonus, every package comes with Emergency Roadside Assistance.

Your tailored plan could include the following vehicle protection options.
Tire & Wheel Protection
Tire & Wheel Protection
Provides tire and wheel repair (or replacement) due to damage caused by common road hazards.
Coverage includes:
  • Potholes
  • Debris
  • Nails
  • Metal
  • Glass
  • Wood
Coverage does not include:
  • Car accident
  • Collision with curb*
  • Theft or vandalism
*May be covered by Alloy Wheel Repair benefit
Alloy Wheel Repair
Alloy Wheel Repair
Keep your alloy wheels looking new.
Coverage includes:
  • Surface and cosmetic repair–for affected area or scratches 1/8” or greater
Coverage does not include:
  • Repair of dented, cracked or bent wheels*
  • Any wheel replacement regardless of the cause of damage*
*May be covered by Tire & Wheel Protection
Paintless Dent Repair
Paintless Dent Repair
Covers dents and dings to your vehicle’s exterior.
Coverage includes:
  • Dents and dings to the vehicle’s exterior vertical and horizontal panels
  • Dents no larger than 4” in diameter
Coverage does not include:
  • Dents or dings with broken paint or larger than 4” in diameter
  • Environmental damage (e.g., rust, corrosion, hail or chemicals)
  • Unpainted surfaces (e.g., glass, chrome, non-metal surfaces)
Key Replacement
Key Replacement
Helps offset the cost of your vehicle key fob replacement.
Coverage includes:
  • Replacement of key fob if lost, stolen, damaged or destroyed
  • Replacement of additional keys lost or damaged at same time as vehicle key
  • Alternative transportation reimbursement may also be covered
Coverage does not include:
  • Any expense greater than the per claim benefit amount stated in your Select Protection Plan document
  • More than one replacement of key fob or additional keys over any twelve-month period
Windshield Repair
Windshield Repair
Coverage for minor cracks and chips caused by road debris.
Coverage includes:
  • Cracks less than 6” long
  • Chips less than 1½” in diameter
  • Maximum benefit of $500 during term of plan–regardless of number of claims
Coverage does not include:
  • Stress cracks or breakage caused by weather changes or potholes
  • Cracks more than 6” long
  • Damage from collisions, hail/ weather hazards or vandalism
Benefits included with every plan:
Emergency Roadside Assistance
24/7 Emergency roadside assistance coverage for services such as: towing, flat tire changes, gas and fluids delivery, battery services, and frozen lock and lockout services–up to specified limit per disablement.


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Vehicle Eligibility

Gas combustion, hybrid and electric vehicles
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Most makes and models, ask your dealership representative for further details.
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Legal Disclaimer

This is intended as a general overview of Zurich’s Select Protection service contracts. Certain restrictions and exclusions apply, and coverages may differ in certain states. Please consult your service contract for detailed terms and conditions. Universal Underwriters Service Corporation (UUSC), an individual member company of Zurich in North America, is the issuing service contract provider and administrator in all states except Florida. In Florida, the issuing provider and administrator is Vehicle Dealer Solutions, Inc. (FL License #60132). In California and New York, UUSC operates under its d/b/a UUSC Service Company (CA License #0C17302).

All motor club key and emergency roadside service benefits are provided by, and are the obligation of, SafeRide Motor Club, Inc. (SafeRide). SafeRide is not affiliated with individual member companies of Zurich in North America. Certain benefits are administered by Vehicle Administrative Services (VAS). VAS is not affiliated with individual member companies of Zurich in North America.

©2023 Zurich American Insurance Company. All Rights Reserved. A1-P0339399-A (04/23)
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Prepaid Maintenance Plan

Prepaid Maintenance Plan

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Keep your vehicle performing at its best
Regular preventative maintenance keeps your vehicle in top running condition and can save you money by helping avoid major repairs down the road. Your vehicle needs routine maintenance such as oil changes, tire rotations, and general vehicle inspections. A Prepaid Maintenance Plan can provide valuable benefits for these services.
Prepaid Maintenance Plan
What is a Prepaid Maintenance Plan?
A Prepaid Maintenance Plan helps protect you against the rising costs of recurring expenses necessary to keep your vehicle on the road. The plan covers routine maintenance as recommended by the manufacturer of your vehicle, such as:
  • Changing engine oil and replacing oil filter
  • Inflating tires
  • Lubricating chassis
  • Rotating tires
  • Checking and adding brake, differential, power steering and windshield wiper fluids
  • Inspecting air filter, battery, brake lights, CV joint boots, emergency brake, headlights, horn, hoses, tail lights, turn signals and wiper blades
Benefits of the Plan
Benefits of a Prepaid Maintenance Plan
  • Enjoy carefree vehicle ownership knowing routine maintenance is covered for term of contract
  • Choose from a variety of terms tailored to your driving needs
  • Pay for future maintenance at today’s price
How it works
How does a Prepaid Maintenance Plan work?
It’s easy. Just follow these two simple steps:
Schedule
your maintenance appointment with the dealership where you purchased your vehicle.
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Sign
the invoice/repair order after services are complete.
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Vehicle Eligibility

Gas combustion and hybrid vehicles only
Gas combustion logo.
Most makes and models, ask your dealership representative for further details.
Most makes and models, ask your dealership representative for further details.
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Legal Disclaimer

This is intended as a general overview of Zurich’s Prepaid Maintenance contracts. Certain restrictions and exclusions apply, and coverages may differ in certain states. Please consult your maintenance contract for detailed terms and conditions. Universal Underwriters Service Corporation (UUSC), an individual member company of Zurich in North America, is the issuing contract provider and administrator in all states except Florida. In Florida, the issuing provider and administrator is Vehicle Dealer Solutions, Inc. (FL License #60132). In California and New York, UUSC operates under its d/b/a UUSC Service Company (CA License #0C17302).

©2023 Zurich American Insurance Company. All Rights Reserved. A1-P0339401-A (04/23)
This is intended as a general description of products and services available to qualified customers through the individual companies of Zurich in North America. Certain restrictions may apply. All products may not be available in all states. Please consult with your sales professional for details.

Universal Underwriters Service Corporation (UUSC), an individual member company of Zurich in North American, is the issuing provider and administrator of Zurich’s vehicle service contracts in all states except Florida. In California and New York, UUSC operates under its DBA, UUSC Service Company (CA License #0C17302). In Florida, the issuing provider and administrator is Vehicle Dealer Solutions (FL License #60132)

©2023 Zurich American Insurance Company. All Rights Reserved.
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