I, personally, do not like, nor do I trust, ANY third-party warranty. One went out of business on me that was a A+ rated company. The manufacturer (Subaru) will always be here to support your car without any hassle or out of pocket expense to reimburse. Third-party warranties are NEVER as good as the ones from the manufacturer itself. You, most likely, WAY overpaid for that Zurich plan too as they are HUGE profit makes for the dealers. Just my two cents!