I agree with others who are not impressed with the Zurich/Subaru protection plan. It turns out that when you attempt to make a small claim, it fails as will the next too! Oddly, the blurb suggests that a typical repair is to fix a super-market cart. I experienced damage in this exact circumstances when returning to my car and found a small crease (shorter than a credit-card, which is apparently the limit of cover) in the body-work, clearly due to a run-away cart. Zurich would not agree to repair.
I then had someone scrape a small area of paint off, right outside my house. Ditto from Zurich.
I then had someone scrape a small area of paint off, right outside my house. Ditto from Zurich.