Vehicle owners

Owning or leasing a vehicle can be rewarding but expensive. Mechanical repairs to keep your vehicle running can be costly, but so can maintaining its appearance and guarding against theft. As a vehicle owner, you need to take steps to protect your investment.  

Why Zurich?

Zurich’s vehicle protection products can help ease the burden of owning or leasing a vehicle. Exclusively sold through authorized dealerships, they can help offset costly repairs due to mechanical breakdown, damage to vehicle appearance and theft. Enjoy your vehicle knowing that Zurich is providing protection for the road ahead.

blue auto handle

Vehicle owner products

Vehicle service contracts

Zurich vehicle service contracts can help protect you from vehicle repair costs. They provide coverage for covered parts and labor costs to repair or replace most major vehicle components. Most dealerships and repair facilities across the U.S. and Canada will honor Zurich vehicle service contracts, making unexpected repairs more convenient.

Tire & wheel

Most tire and wheel repairs are not covered by the manufacturer’s warranty. Zurich Road Hazard Tire & Wheel protection helps offset out-of-pocket expenses to repair or replace damaged tires or wheels, as well as the cost of mounting, balancing, valve stems and taxes.

Prepaid maintenance

Prepaid maintenance contracts help protect you from recurring maintenance expenses necessary to keep your vehicle on the road. The program covers routine services recommended by the manufacturer of your vehicle to ensure the long life of its engine and operating systems.

Guaranteed Auto Protection (GAP)

In the event of a total loss, vehicle insurance typically pays the vehicle’s actual cash value rather than the amount remaining on your loan or lease, which could leave a financial “gap” of thousands of dollars you are responsible for covering. GAP offers coverage that helps close that gap if your vehicle is stolen and not recovered or damaged beyond repair.

Theft deterrent

Universal Security Guard® helps protect your vehicle against theft and assists in recovery if stolen. Each vehicle is marked with warning labels to deter a potential thief. Additionally, anti-theft labels are placed on the vehicles body parts which leaves an ultraviolet imprint if removed, or the VIN number is etched on the windows to assist with recovery.

Paintless dent repair

Premier Dent Coverage offers unlimited dent repair for the lifetime of your new and pre-owned vehicle. Covered repairs can be completed in about the same time as an oil change by experienced, nationally certified technicians. You will pay no deductibles or out-of-pocket expenses, helping your car stay in like-new condition for as long as you own it.

Environmental protection

Zurich Shield® Advanced Environmental Protection provides interior and exterior protection for painted, fabric, vinyl and leather surfaces from hazards such as stains, weather-induced fading, loss of gloss shine, acid rain, and bird waste.

Simoniz GlassCoat™ helps protect painted surfaces from the damaging effects of acid rain, bird waste, tree sap, insects, ice-melting agents and the sun’s harmful ultraviolet rays, which automotive manufacturers’ warranties typically exclude.

Simoniz MotoTect™ is a high-tech, specialized process that chemically reacts with a motorcycle’s surface to help protect its finish from damage due to acid rain, insects, tree sap, road salt, bird waste and ultraviolet damage.

Windshield protection

Zurich Shield® Windshield Protection helps reduce rock chip damage to a vehicle's windshield and improve wet-weather visibility

Key protection

Losing your vehicle key can be a costly and inconvenient experience. Zurich’s key replacement program can help you get back on the road by offering vehicle key replacement in the event it is lost, stolen or destroyed.



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 & tire and wheel contracts; and acts as the dealership’s administrator for the maintenance 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).



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