Vehicle Service Contract

For motorcycles, ATVs and scooters
Ride with Confidence

Coverage that won't leave you stranded.

If your motorcycle, ATV, or scooter breaks down, a major repair can cost lots of time and money. But with a Zurich Vehicle Service contract, we'll get you back on the road fast. Our all-risk mechanical breakdown plan helps pay for parts and labor to fix or replace major components of your powersports vehicle. In the event of a breakdown, you can get repairs at any licensed shop nationwide, and you'll just pay a small deductible for any covered repair.

A vehicle service contract extends coverage beyond the manufacturer’s warranty period and often pays for repairs not covered by the warranty. It also pays for alternate transportation while your powersports vehicle is being repaired.

manufacture warranty vs vsc chart
  • Comprehensive Coverage: A VSC covers the cost of parts and labor for eligible repairs
  • Flexible Options: You can pay for your contract separately or add a small amount to your monthly payment.
  • Higher Resale Value: Service contracts can be transferred to the next owner, which can increase the resale price.
  • Nationwide Acceptance: You can repair your powersports vehicle virtually anywhere—at your selling dealership or through any licensed repair shop across the U.S.
  • A small deductible may apply to each covered repair.

Comprehensive Coverage

The Comprehensive Plan covers nearly every component of your vehicle. Coverage includes, but is not limited to, the components listed below.

For a list of exclusions, click here.

Exclusions include, but are not limited to, the following parts: Antenna mast, audio speakers and wiring; all batteries except EV/Hybrid high-voltage batteries; belts, hoses, and clamps; body parts; brake linings; brake rotors and drums; cellular telephones; clutch disc; exhaust system; fairing (except for the following parts: fairing mounting hardware, brackets, switches, covers, latches and hinges); filter housings; final drive chain or belt and rear sprocket; frame; fuses and fusible links; glass, lenses, light bulbs and sealed beams; mirrors; mufflers or baffles; spark plugs; thermostats; tires, wheels and spokes; trailer hitch; trim, upholstery, paint, moldings; windshield and windshield mount; home charging station, wall connector, mobile connector, all future connectors, and all related charging adapters. Repairs of water and air leaks (including fogging of and moisture in lamp assemblies), rattles, squeaks, alignment of body parts, fenders, rust, and physical damage are not covered. Any parts or components that are not factory installed are not covered. The normal maintenance services and parts required or recommended by your vehicle manufacturer and other normal maintenance services and parts are not covered.

See your contract for the full list of exclusions.

Benefits included with every plan:
Emergency icon
Pick-up and delivery

We'll reimburse you up to $100 for pick-up and delivery charges if a covered component fails.

Trip interruption icon
Trip interruption
(on-road motorcycles only)

We'll reimburse you up to $75 per day for food and lodging for up to three days (max $225) if you break down more than 100 miles from home and the repair is covered under this contract.

Transportation icon
Transportation reimbursement
(on-road motorcycles only)

We'll pay up to $30 per day for 6 days (max $180)
when your vehicle is in for covered repairs.

Disclaimer 

This brochure gives a general overview of Zurich’s 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 except Florida. In Florida, the issuing provider and administrator is Vehicle Dealer Solutions (FL License #60132). In California and New York, UUSC operates under its DBA, USC Service Company (CA License #0C17302).

©2025 Zurich American Insurance Company. All Rights Reserved. A1-P1006301-A (08/25)