Disclosure Paid placement. Click 4 Coverage is a client of OwnersFirm, which publishes this site and is paid when a reader who arrives from it buys coverage. The card on this page is advertising. Nothing on this page was scored or ordered for it.
Coverage Compared
Zurich Vehicle Service Contract: the published terms, field by field
Every scored field for Zurich Vehicle Service Contract as the company prints it, the page each fact was read on, and the score out of 100 with its arithmetic.
Facts read 2026-10-18
Company site: https://protectmyvehicle.zurichna.com/
The printed terms
Role, as the company describes itselfdirectsource: https://protectmyvehicle.zurichna.com/
Legal entityZurich American Insurance Companysource: https://protectmyvehicle.zurichna.com/buildPlan
Headquartersnot published
Money-back periodnot published
Waiting period30 dayssource: https://protectmyvehicle.zurichna.com/buildPlan
Lowest deductible printed$50source: https://protectmyvehicle.zurichna.com/buildPlan
Deductible options printed$50 deductible included in every plansource: https://protectmyvehicle.zurichna.com/buildPlan
$0 deductible optionNo (not found on the pages read)source: https://protectmyvehicle.zurichna.com/buildPlan
Sample contract online, no contact details askedNo (not found on the pages read)source: https://protectmyvehicle.zurichna.com/buildPlan
Price online without a phone callYessource: https://protectmyvehicle.zurichna.com/ ; https://protectmyvehicle.zurichna.com/buildPlan
Deductible and waiting period both printedYessource: https://protectmyvehicle.zurichna.com/buildPlan
Vehicle age limit at purchasenot published
Mileage limit at purchasenot published
Accepts vehicles past 100,000 milesnot published
Transferable to a new ownernot published
Refund of unused share after coverage startsYessource: https://protectmyvehicle.zurichna.com/buildPlan
Sold in CA, NY, WA, MA, FLnot published
States excludednot published
Texas rosterSelling name not found on the rostersource: https://data.texas.gov/resource/7358-krk7.json
Minnesota rosterSelling name not found on the rostersource: https://mn.gov/commerce/licensing/license-lookup/
New York rosterSelling name not found on the rostersource: https://myportal.dfs.ny.gov/web/guest-applications/service-contract-providers
Nevada rosterSelling name not found on the rostersource: https://doi.nv.gov/Consumers/Service_Contract_Provider_Contact_Map
Legal entity printed on its siteYessource: https://protectmyvehicle.zurichna.com/buildPlan
Obligor namedZurich American Insurance Companysource: https://protectmyvehicle.zurichna.com/buildPlan
Backing insurer namednot published
Founding year on its own sitenot published
Government actions, last five years2 on .gov pages
- 2022-01-27 Connecticut Insurance Department Stipulation and consent order, Docket MC 21-102, after a market conduct exam of claims handling; fine $12,000. Not about service contracts.source: https://portal.ct.gov/cid/-/media/cid/1_stipulation/mc-exam-zurich-american-insurance-2022-01-27.pdf
- 2022-03-15 New York Department of Financial Services Consent order over late reporting of insured vehicle data to the DMV; penalty $2.2 million. Not about service contracts.source: https://www.dfs.ny.gov/reports_and_publications/press_releases/pr202203151
The score
| Part | Field | Points |
|---|---|---|
| A | Sample contract online | 0 of 15 |
| A | Price online without a call | 10 of 10 |
| A | Deductible and waiting period printed | 5 of 5 |
| B | Money-back period | 0 of 12 |
| B | Waiting period | 8 of 8 |
| B | Transferable | 0 of 5 |
| B | $0 deductible option | 0 of 5 |
| B | Refund of unused share | 5 of 5 |
| C | State rosters (0 of 4) | 0 of 12 |
| C | Legal entity printed | 5 of 5 |
| C | Obligor named | 8 of 8 |
| D | Government actions, five years | 0 of 10 |
A transparency 15 + B terms 13 + C standing 13 + D record 0 = 41 of 100 41 / 20 = 2.0 of 5
Fields that are not published score zero. A roster "not found" means the selling name was not on that state's list; the company may be registered under another name. The full rules.