Vehicle Service Contract

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.

This comparison shows different coverage levels across the Powertrain, Standard, and Comprehensive Plans.

Repair and labor cost analysis ††

†† 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.

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.

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.
Transferable to the next vehicle owner, offering potentially higher resale value
A small deductible may apply per covered repair

Choose your coverage level:

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.

Any part not specifically listed in your contract as covered under the coverage plan you selected, including, but not limited to, any of the following parts: Glass, lenses, sealed beams, light bulbs, wheels, wheel covers, tires, interior trim, moldings, bright metal parts, sheet metal, flexible body parts, frame and sub-frames, weather strips, upholstery, convertible and/or vinyl top, paint and coatings, catalytic converter, exhaust system, brake rotors and drums, wiper blades, coolant hoses, all batteries including the high-voltage EV/Hybrid battery installed by the manufacturer unless listed under your coverage, spark/glow plugs, drive belts, brake pads, brake linings and shoes, and manual clutch disc. Repairs of water and air leaks, rattles, squeaks and wind noise, alignment of body parts, bumpers, as well as glass, rust, and physical damage are not covered. Any parts or components that are not factory installed are not covered.

In addition, the normal maintenance services and parts required or recommended by your vehicle manufacturer and other normal maintenance services and parts, including engine tune up, suspension alignment, wheel balancing and filters are not covered.

Benefits included with every plan:

Transportation Reimbursement

In conjunction with covered repairs–up to a specified daily limit.

Trip Interruption

Food and lodging for up to three days–up to specified limit–if breakdown occurs more than 100 miles from home.

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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).