Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 02.05.2013, 18:08
Junior Member
 
Join Date: Oct 2011
Location: Bern
Posts: 43
Groaned at 0 Times in 0 Posts
Thanked 2 Times in 2 Posts
Nukles has no particular reputation at present
Car insurance outside Switzerland

Hi all,

I am going to choose a new insurance for my car as I wasn't happy with the previous one. I found out that whilst insurance is basically valid in all Europe and North Africa, usually what is not covered is the 24h towing service (meaning if you have a breakdown then somebody is coming to help you). You can have it as a premium.

However, I found out that with with TCS you can get this same kind of cover for Switzerland only, not for abroad.

I was wondering: do you expats have this "towing service" coverage also abroad? If your car breaks down abroad, do you have a service that covers that? Do you know any way to get such a coverage abroad OUTSIDE of the car insurance?

In fact so far I found that with some companies they are available to offer that sort of cover ONLY if you are willing to get also other services that I really don't need. So I was wondering to get a basic insurance (without this service) and become a TCS member so that they help me if my car breaks down IN SWITZERLAND. But what about abroad?
Reply With Quote
  #2  
Old 02.05.2013, 18:10
Guest
 
Posts: n/a
Re: Car insurance outside Switzerland

We are insured with the Mobillière and pay extra premium for emergencies/towing abroad as we travel quite a lot.
Reply With Quote
  #3  
Old 02.05.2013, 18:27
dodgyken's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Democratic Republic Kenistan
Posts: 10,654
Groaned at 280 Times in 231 Posts
Thanked 19,403 Times in 7,402 Posts
dodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond repute
Re: Car insurance outside Switzerland

Tcs eti
Reply With Quote
  #4  
Old 02.05.2013, 18:42
Forum Legend
 
Join Date: May 2006
Location: Near Geneva
Posts: 3,203
Groaned at 35 Times in 29 Posts
Thanked 4,129 Times in 1,835 Posts
Anjela has a reputation beyond reputeAnjela has a reputation beyond reputeAnjela has a reputation beyond reputeAnjela has a reputation beyond reputeAnjela has a reputation beyond reputeAnjela has a reputation beyond repute
Re: Car insurance outside Switzerland

As dodgyken says, the TCS does provide cover across the border, it's simply an extra insurance called eti and costs about chf100 a year on top of your basic membership fee.
This will cover you anywhere in Europe as the TCS has reciprocal agreements with other, similar groups in other countries. You just ring the TCS on their swiss phone-number and they'll find the nearest garage/breakdown truck, etc. to help, then ring you back to tell you who to expect and how long it'll be.
I think they will also provide the option of cover outside Europe, but it's significantly dearer.

All my family are TCS members with eti cover and have used it several times over the years (we run classic Minis and they're unpredicable). Have been trucked back across the border from neighbouring France to our local garage although in theory they're only obliged to take you to the nearest possible garage if the problem's not fixable at the roadside.

Last edited by Anjela; 02.05.2013 at 18:44. Reason: making sense for a change
Reply With Quote
  #5  
Old 02.05.2013, 19:07
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 31,901
Groaned at 2,389 Times in 1,737 Posts
Thanked 38,849 Times in 18,312 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Car insurance outside Switzerland

InterTours Winterthur covers all family vehicles, as well as being a general travel insurance, for CHF 230/year.

TCS will cost you for each family member for the base insurance, plus the ETI family on top.

Tom

Last edited by st2lemans; 02.05.2013 at 19:19.
Reply With Quote
  #6  
Old 02.05.2013, 19:40
Forum Legend
 
Join Date: May 2006
Location: Near Geneva
Posts: 3,203
Groaned at 35 Times in 29 Posts
Thanked 4,129 Times in 1,835 Posts
Anjela has a reputation beyond reputeAnjela has a reputation beyond reputeAnjela has a reputation beyond reputeAnjela has a reputation beyond reputeAnjela has a reputation beyond reputeAnjela has a reputation beyond repute
Re: Car insurance outside Switzerland

Quote:
View Post
InterTours Winterthur covers all family vehicles, as well as being a general travel insurance, for CHF 230/year.

TCS will cost you for each family member for the base insurance, plus the ETI family on top.

Tom
There's a discount for second, third, etc. family members at the same address. And one for co-habiting couples.
Or as my youngest insists; his 'concubine'.

It's quite possible there are other insurances that do similar cover, I just know that the TCS is reliable; at least around here (Geneva).
Reply With Quote
  #7  
Old 02.05.2013, 20:25
Forum Legend
 
Join Date: Apr 2008
Location: Zurich
Posts: 3,667
Groaned at 72 Times in 51 Posts
Thanked 3,915 Times in 2,104 Posts
rainer_d has a reputation beyond reputerainer_d has a reputation beyond reputerainer_d has a reputation beyond reputerainer_d has a reputation beyond reputerainer_d has a reputation beyond reputerainer_d has a reputation beyond repute
Re: Car insurance outside Switzerland

Didn't somebody post a while ago that ADAC was cheaper and better than TCS?

At looked at it recently and their T&Cs don't say anything about having to have an address in Germany.
I've never been a member of either ADAC or TCS, simply for (perceived) lack of need.
Reply With Quote
  #8  
Old 02.05.2013, 20:27
Sean Connery's Avatar
Forum Legend
 
Join Date: Nov 2011
Location: Zurich
Posts: 5,565
Groaned at 58 Times in 54 Posts
Thanked 7,554 Times in 3,388 Posts
Sean Connery has a reputation beyond reputeSean Connery has a reputation beyond reputeSean Connery has a reputation beyond reputeSean Connery has a reputation beyond reputeSean Connery has a reputation beyond reputeSean Connery has a reputation beyond repute
Re: Car insurance outside Switzerland

I run it all into Zurich Relax, covers travel with and without the car.
Reply With Quote
This user would like to thank Sean Connery for this useful post:
  #9  
Old 02.05.2013, 22:03
Mark75's Avatar
Forum Legend
 
Join Date: Apr 2007
Location: by the lake (either one)
Posts: 2,510
Groaned at 45 Times in 39 Posts
Thanked 3,136 Times in 1,363 Posts
Mark75 has a reputation beyond reputeMark75 has a reputation beyond reputeMark75 has a reputation beyond reputeMark75 has a reputation beyond reputeMark75 has a reputation beyond reputeMark75 has a reputation beyond repute
Re: Car insurance outside Switzerland

With some (most?) vehicle brands you get "assistance" insurance for one year after having the car serviced at an official dealer.
Reply With Quote
  #10  
Old 02.05.2013, 22:05
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 31,901
Groaned at 2,389 Times in 1,737 Posts
Thanked 38,849 Times in 18,312 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Car insurance outside Switzerland

Quote:
View Post
I run it all into Zurich Relax, covers travel with and without the car.
So, pretty much what I do with Winterthur.

Tom
Reply With Quote
  #11  
Old 02.05.2013, 22:09
NotAllThere's Avatar
Mod x2
 
Join Date: Oct 2008
Location: Baselland
Posts: 13,809
Groaned at 244 Times in 215 Posts
Thanked 20,397 Times in 8,280 Posts
NotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond repute
Re: Car insurance outside Switzerland

Quote:
View Post
InterTours Winterthur covers all family vehicles, as well as being a general travel insurance, for CHF 230/year...
Cancellation insurance, recovery, and a small amount of legal insurance. I've used it twice (in 11 years) and they've even spoken to me in English.
Reply With Quote
This user would like to thank NotAllThere for this useful post:
  #12  
Old 02.05.2013, 22:18
Guest
 
Posts: n/a
Re: Car insurance outside Switzerland

Quote:
View Post
However, I found out that with with TCS you can get this same kind of cover for Switzerland only, not for abroad.
I suggest you re-read the TCS terms - pretty sure it's international as well.
Reply With Quote
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Car insurance in Switzerland squeezyphil Insurance 3 25.11.2012 16:39
Selling car outside of Switzerland?? allig33 Transportation/driving 8 22.07.2012 22:44
Obtain license plates for a car outside Switzerland Integer Transportation/driving 3 13.08.2011 20:05
Swiss health insurance outside Switzerland XiS Insurance 11 24.02.2011 17:53
Car Insurance in Switzerland hodgedob Transportation/driving 4 06.01.2010 16:21


All times are GMT +2. The time now is 16:20.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2021, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0