1 Dealer Guide Vehicle Service Contract Automotive Market Product Overview .. 1. Lenders .. 1. Eligibility .. 1. Coverage .. 3. Additional Benefits .. 4. Optional Coverage .. 5. Canadian Vehicle 5. New Vehicle Plans .. 6. Used Vehicle Plans .. 7. Select Plans .. 8. Manufacturer Certified Vehicle Upgrade Plans .. 9. Administrative 10. New Business .. 10. Transfers .. 10. Cancellations .. 11. Claims .. 11. Key contacts .. 13. Appendix A Component tables .. 14. Appendix B New Vehicle Plan Term Offering .. 22. Appendix C Used Vehicle Plan Term 23. Appendix D Manufacturer Certified Vehicle Upgrade Plan Offering .. 24. Appendix E Cancellation Rules .. 27. 2017 Zurich American Insurance Company. All rights reserved. Property of Zurich Intended for dealership use only. External distribution strictly prohibited. Do not copy. V31320FS (06/2017). Product Overview Zurich Vehicle Service contracts provide mechanical breakdown coverage. 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.
2 In California and New York, UUSC operates under its DBA, UUSC Service Company. In Florida, the issuing provider and administrator is Vehicle Dealer Solutions, Inc. Zurich's Vehicle Service Contract program is an extensive offering that includes plans for new vehicles (retail and leased), used vehicles and manufacturer's certified vehicles with multiple coverage, term, and deductible options that help to ensure a perfect fit for every customer. Zurich Vehicle Service contracts have value-added benefits for additional protection: immediate car rental for covered repairs, emergency roadside assistance and trip interruption coverage. Dealerships and repair facilities across the United States and Canada will honor Zurich Vehicle Service contracts. Contracts are transferrable to the second individual purchaser or cancellable with rules that vary by state. Lenders It is always recommended to contact lenders before a Contract is sold to ensure they will finance Zurich Vehicle Service contracts.
3 Nationwide approval of Zurich Vehicle Service Contract forms has been provided by Ally Financial and Ford Motor Credit Company. Toyota Motor Credit Corporation has provided approval in some states. Please contact your Toyota representative to verify approval in your state. If forms are not approved, we will coordinate with you to make the submission to Toyota as required per their checklist. Eligibility Eligible Makes Acura Ford Jaguar Mercury Saab Alfa Romeo Freightliner Jeep Mini Saturn Audi Genesis Kia Mitsubishi Scion BMW GMC Land Rover Nissan Smart Buick Honda Lexus Oldsmobile Subaru Cadillac Hummer Lincoln Plymouth Suzuki Chevrolet Hyundai Maserati Pontiac Toyota Chrysler Infiniti Mazda Porsche Volkswagen Dodge Isuzu Mercedes-Benz RAM Volvo Fiat Ineligible Models Audi R8. Mercedes-Benz Maybach Mercedes-Benz SLR. Mercedes-Benz SLS AMG. Incomplete, flatbed, Hi cube or cutaway models Special limited production and rare exotic models Any model with a GVWR in excess of 14,000 pounds Any model where the odometer does not reflect the actual mileage Any model declared a total loss or issued a salvage or branded title Any model sold by other dealers, lessors or private parties 2017 Zurich American Insurance Company.
4 All rights reserved. Property of Zurich Intended for dealership use only. External distribution strictly prohibited. Do not copy. V31320FS (06/2017) 1. Ineligible Models Usage/Modification Vehicles that are completed with non-factory modifications, or designed for ineligible purposes, will not be considered for coverage. Used for commercial hauling, delivery, limousine Service , ride share or transportation network ( Uber, Lyft). (This exclusion is waived when the Commercial Use Option is selected.). Used for hauling or towing in excess of the manufacturer's limitations and specifications Used for rental, racing, speed contest or other competition, police car, security Vehicle , emergency Vehicle , shuttle Service , taxi or commercial towing Equipped to plow snow, whether or not the plow blade is attached (This exclusion is waived when the Snowplow Option is selected.). Modified for off-road usage or high performance equipment including, but not limited to engine, transmission, drive axle, exhaust systems, suspension, lift kits, oversized/undersized tires Exceptions to Eligibility Company-owned vehicles that meet all other eligibility guidelines for a VSC based on usage may purchase a VSC.
5 The company name should be indicated as the purchaser on the Contract form. Exceptions may be granted on certain ineligible vehicles where a conversion invoice, outlining the way in which the Vehicle was completed, has been provided. No exception shall be granted without the accompanying invoice. When an exception is granted, the non-factory modifications will not be covered by the Service Contract . Exceptions on incomplete vehicles are intended to accommodate cosmetic changes made for personal use. 2017 Zurich American Insurance Company. All rights reserved. Property of Zurich Intended for dealership use only. External distribution strictly prohibited. Do not copy. V31320FS (06/2017) 2. Coverage Coverage availability varies by model year and odometer reading. New Vehicle plans and many Used Vehicle plans include coverage for seals and gaskets of covered parts, as well as the failure of a covered part due to a gradual reduction in operating performance as a result of normal wear and tear.
6 Powertrain Standard Preferred Comprehensive Covers parts and Includes Powertrain Includes Standard All-risk coverage with components in the coverage plus parts coverage plus parts named exclusions. following systems: and components in and components in All parts of the the following the following Engine Vehicle are covered systems: systems: except those Transmission Suspension Steering specifically excluded. Transfer case Steering Heating & air Consult the Vehicle Drive axle conditioning Service Contract for Heating & air details. conditioning Brakes Brakes Electrical Electrical Interior &. exterior Cooling Some used Vehicle plans exclude seals and gaskets and/or wear and tear coverage. Powertrain (no Wear & Tear) Standard (no Wear & Tear). Powertrain (no Seals & Gaskets/no Wear & Tear) Standard (no Seals & Gaskets/no Wear & Tear). Covers parts and components in the following systems: Includes Powertrain coverage plus parts and components in the following systems: Engine Suspension Transmission Steering Transfer case Heating & air conditioning Drive axle Brakes Electrical Please see Appendix A Component tables for parts and component coverage details.
7 2017 Zurich American Insurance Company. All rights reserved. Property of Zurich Intended for dealership use only. External distribution strictly prohibited. Do not copy. V31320FS (06/2017) 3. Additional Benefits Zurich Vehicle Service contracts have value-added benefits for additional protection. Rental Reimbursement Emergency Roadside Trip Interruption Coverage Your customers will be Assistance Your customers will receive reimbursed for expenses Your customers will receive reimbursement of restaurant incurred for the rental of a benefits of a sign-and-drive and hotel/motel expenses if the substitute Vehicle through a roadside assistance program. covered Vehicle becomes licensed rental agency during The customer calls the 24 hour inoperable, and in need of the repair covered by the toll free number repair when traveling away Vehicle Service Contract or ( ) to have a from home. manufacturer's warranty. Service provider dispatched. Benefits are subject to a Breakdown must occur Compensation up to $40.
8 Maximum of $100 per more than 100 miles away per day for a maximum of from the Contract holder's occurrence. 10 days or until the Vehicle home is repaired, whichever Benefits include: Maximum reimbursement occurs first Towing of $250 per day for No overnight stay is Jump starts maximum of three days or required until the Vehicle is Flat tire changes (using the repaired, whichever occurs inflated spare tire). first Delivery of emergency supply of fuel, oil, fluid or coolant Lockout Service (key cutting is not included). 2017 Zurich American Insurance Company. All rights reserved. Property of Zurich Intended for dealership use only. External distribution strictly prohibited. Do not copy. V31320FS (06/2017) 4. Optional Coverage Vehicles equipped to plow snow or vehicles used for commercial purposes are not eligible unless optional coverage is added. Snowplow Option Commercial Use Option The Snowplow option amends eligibility to include The Commercial Use option amends eligibility to vehicles equipped to plow snow, whether or not include vehicles that are used for commercial the plow blade is attached.
9 Hauling, delivery, limousine Service , ride share or transportation network ( Uber, Lyft). If the Vehicle will be used to plow snow for other than personal use, both the Commercial Use and The Commercial Use option does not provide Snowplow options must be selected. coverage for vehicles: Used for hauling or towing in excess of the manufacturer's limitations and specification, or Used for rental, racing, speed contest or other competition, police car, security Vehicle , emergency Vehicle , shuttle Service , taxi or commercial towing. Canadian Vehicle Option New vehicles manufactured for distribution in Canada that are brought into the United States often no longer include the manufacturer's warranty and are therefore, considered ineligible for Zurich Service Contract coverage. However, if the Canadian Vehicle option is selected, eligibility is amended to allow Used Plans to be sold on these vehicles. 2017 Zurich American Insurance Company. All rights reserved. Property of Zurich Intended for dealership use only.
10 External distribution strictly prohibited. Do not copy. V31320FS (06/2017) 5. New Vehicle Plans New Vehicle plans are for vehicles within or just outside the basic manufacturer's warranty. Eligibility 0 4 model years old (current and next calendar year = 0). 0 50,000 miles (odometer reading as of the date of sale). or still within the manufacturer's basic warranty. Coverage New Vehicle plans are available in four coverages. Powertrain coverage is not available on terms that are less than the manufacturer's powertrain warranty term. Comprehensive all risk coverage with named exclusions includes seals and gaskets includes wear and tear Powertrain, Standard, Preferred named parts and components includes seals and gaskets includes wear and tear Deductibles Deductible options available for new Vehicle plans: $0, $50, $100, $200, $100 Waiver, $250 Waiver, $300. Waiver deductibles: If the Contract holder returns to the selling Dealer for a covered repair, the deductible is waived. Otherwise, the deductible ($100 or $250) will apply if the covered repair is performed elsewhere.