Can you cancel Zurich?

Yes. Zurich contracts are cancellable, and what you get back depends on timing: a full refund within the first 60 days (no claims filed), and a prorated refund for the unused portion after that. The unused premium is money you're owed — it doesn't belong to the dealer or administrator.

Contact information

Phone (customer service)
888-835-5063

Step-by-step: how to cancel

Step 1 — Gather your documents. You'll want your contract/agreement, the vehicle VIN, your account or loan number, and proof of any triggering event (payoff letter, refinance confirmation, trade-in paperwork, or total-loss settlement).

Step 2 — Cancel through the dealer or directly. You can cancel through the selling dealer or contact Zurich directly at 888-835-5063. Going direct removes the middleman if the dealer is slow.

Step 3 — Confirm the refund destination.If there's a lien on the vehicle, confirm whether the refund goes to your lienholder and is applied to your loan.

Final step — Track the refund. Processing typically takes 4–6 weeks. If there's a lien on the vehicle, the refund is sent to your lienholder and applied to your loan principal.Follow up if it doesn't arrive on schedule.

How much will you get back?

Cancel within the first 60 days (no claims filed) and you're typically owed a full refund. After that, your refund is prorated, less claims paid (where permissible) and any applicable fee.

As a rule of thumb, the prorated math is: (months remaining ÷ total term) × price paid − fees. If there's a lien on the vehicle, the refund is sent to your lienholder and applied to your loan principal.

Provider-specific tips

  • Cancellation refunds are usually created and issued by the office manager at the dealership where the contract was purchased — which is why going through the dealer can be faster.
  • Full refund within 60 days with no claims; after that, prorated less claims paid and any applicable fee.
  • The company named on the contract as Administrator, Obligor and Provider is Universal Underwriters Service Corporation in Overland Park, Kansas — that is where a written cancellation goes. In California and New York the entity is UUSC Service Company; in Florida it is Vehicle Dealer Solutions, Inc.
  • Zurich VSC terms run long — the contracts we have seen were 120 months / 100,000 miles, not the 72 months people assume. A longer term means more of your premium is still unearned, so check the term printed on your contract before accepting any refund figure.

What reduces your refund

  • Claims already paid. If a covered repair was approved, that amount is typically subtracted from your refund.
  • Cancellation fee. Zurich charges any applicable cancellation fee (see contract).
  • Refund method.Pro-rata is consumer-friendly; confirm your contract isn't calculated by the "Rule of 78s," which front-loads cost.

Common questions

What number do I call to cancel a Zurich contract?

Zurich customer service is 888-835-5063, or cancel through the dealer that sold you the contract.

Where does my Zurich refund go?

If there's a lien on the vehicle, to your lienholder, applied to your loan principal.

Refund Auto is an independent service. We are not affiliated with, authorized by, endorsed by, or in any way officially connected to Zurich. Zurich and any related names and logos are the property of their respective owners, and are used here only to identify the company whose product you may want to cancel.

Sources: Zurich vehicle protection FAQ