You have a point to your 1st statement. But how many newer vehicles dont have loans on them?
I have no personal experience Zurich. But lets say someone out of state buys Zurich from you with a vehicle from you.
They have issues with the vehicle take it to there local Ford dealership. Dealership says its gonna be a 1hr diagnosis min. Person says hey i have extended warranty with a $0 deductible. That ford dealership says we dont use Zurich we use lets say Car shield. They let the customer know that you can submit the claim to your warranty company. But you still owe us the 1hr diagnosis fee.
Things like that happen. Have a couple personal friends that's exactly what happened to them. Basically a back and fourth nightmare to get there vehicle fixed and covered for the repair.
My personal experience with Ford ESP has been i go the dealership. Describe the issue i have. Drop the vehicle off. Leave with a loaner and the vehicle get fixed with no out of pocket cost cause i choose 0 deductible.
I would say its much easier for the selling dealership for the warranty and vehicle to get things fixed under the plans they sale. Rather than a dealership that uses a different 3rd pary warranty.
I sell out of state all of the time. I've never had an issue with another dealership not wanting to work with Zurich. If it's some no-name BS warranty, dealerships are leery, as they might be the ones getting stiffed.