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Old 02.02.2021, 19:26
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Roadside assistance/breakdown cover recommendations please

I just took out my first car insurance policy in Switzerland, but I dropped the roadside assistance option, as it only covered Switzerland - I need it for all of Europe. Any suggestions for what I should take out from a third party?

I'm currently leaning towards Zurich, which offers Europe-wide roadside assistance with a replacement vehicle for CHF 98. It can also be taken out as part of their more complete Relax travel insurance policy for a total of CHF 176.80.
https://www.zurich.ch/en/private-cus...ide-assistance

I also looked into TCS (a lot of glowing reviews online), but it's much more expensive: CHF 74 for individual membership + CHF 80 for European extension = CHF 154. I don't think it includes a replacement vehicle either.
https://www.tcs.ch/de/mitgliedschaft...nzelperson.php
https://www.tcs.ch/de/produkte/panne...lfe-europa.php
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Old 02.02.2021, 19:31
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Re: Roadside assistance/breakdown cover recommendations please

TCS all the way. if you need it, the response will be far more satisfactory, quicker and easier to deal with.
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Old 02.02.2021, 20:12
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Re: Roadside assistance/breakdown cover recommendations please

In my experience TCS provide possibly the best customer service of ANY company I've ever had dealings with, and they have a lightning-fast response time if you need roadside assistance. A friend who had trouble in France also spoke glowingly of how quickly and professionally TCS handled his problem and arranged to get him home, especially seeing as it was on Christmas day.

Slightly more expensive for the coverage you want compared to Zurich, but in my opinion very worth the money.
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Old 02.02.2021, 20:13
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Re: Roadside assistance/breakdown cover recommendations please

I have Winterthur, as I have a lot of vehicles.

Tom
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Old 02.02.2021, 20:18
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Re: Roadside assistance/breakdown cover recommendations please

You might have the option the buy the road insurance from the company where you have your car insured. I pay <50CHF/year, CH and most countries in Europe are covered. I remember that told me they were working with one of the Swiss road assistance companies, I think TCS or ACS.
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Old 02.02.2021, 20:19
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Re: Roadside assistance/breakdown cover recommendations please

Tcs +1
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Old 02.02.2021, 21:03
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Re: Roadside assistance/breakdown cover recommendations please

Recovery is only expensive until the day you need it.

Another vote for TCS, who also cover my scooter and bicycle in the same subscription.

I would definitely buy on service and quality, rather than on price alone.
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Old 02.02.2021, 21:06
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Re: Roadside assistance/breakdown cover recommendations please

they also cover you in over people's cars and can cover your whole family too. insurance companies always have an extra layer of indirection when you need to use the service which just slows things down when you really need it.

source: i've broken down so many times that i used to maintain 5 different breakdown policies and round robin between them so I didn't get refused renewal!
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Old 02.02.2021, 21:22
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Re: Roadside assistance/breakdown cover recommendations please

Winterthur covers all my vehicles, holiday crap, etc/ for less than CHF 200/year.

Tom
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Old 02.02.2021, 21:28
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Re: Roadside assistance/breakdown cover recommendations please

doesn't seem any cheaper than TCS. TCS covers the person not the vehicle so you can use it on as many vehicles as you like. and the question is about the quality of service difference between TCS and regular car insurance.
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Old 02.02.2021, 21:44
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Re: Roadside assistance/breakdown cover recommendations please

Wouldn't be easier to buy working vehicle?

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they also cover you in over people's cars and can cover your whole family too. insurance companies always have an extra layer of indirection when you need to use the service which just slows things down when you really need it.

source: i've broken down so many times that i used to maintain 5 different breakdown policies and round robin between them so I didn't get refused renewal!
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Old 02.02.2021, 22:31
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Re: Roadside assistance/breakdown cover recommendations please

TCS too and look out for promo prices to become a member and once you are a member you can get discounts with other services.
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Old 02.02.2021, 22:36
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Re: Roadside assistance/breakdown cover recommendations please

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doesn't seem any cheaper than TCS. TCS covers the person not the vehicle so you can use it on as many vehicles as you like. and the question is about the quality of service difference between TCS and regular car insurance.
Is that new? it used to be per vehicle.

Tom
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Old 02.02.2021, 23:02
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Re: Roadside assistance/breakdown cover recommendations please

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Is that new? it used to be per vehicle.

Tom
not sure. might also be a particular type of membership. we have one for the family, europe wide, any car - even someone elses car as long as a member of our family is in the car. i recall we had to call them to add the europe cover as it wasn't available online and they default to swiss only cover which is pretty useless.

just tried to find the details on the website but it's not working.

i think they also cover bicycles which might be useful. i remember once getting a puncture with no spare tube and having to walk 20km
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Old 03.02.2021, 11:34
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Re: Roadside assistance/breakdown cover recommendations please

Can anyone comment on how the TCS support is in English? Unfortunately, my German language skills are still very basic.
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Old 03.02.2021, 12:05
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Re: Roadside assistance/breakdown cover recommendations please

Best insurance is a pair of jumper cables.
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Old 03.02.2021, 19:56
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Re: Roadside assistance/breakdown cover recommendations please

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Wouldn't be easier to buy working vehicle?
Yeah. Where can you buy those?

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Is that new? it used to be per vehicle.

Tom
Nope. At least been like this for decades.

An other +1 for TCS here. Very efficient (unless the car is dead as happened to me twice but even then at least they kindly bring it to my garage for burial), quick in spite they tell you 90 minutes ... their 90 minutes seem to be max. 30 .... and they are very friendly, fun actually, when you call them which kind of helps because let's face it, I am usually pissed off when I call (at my car of course, not at them).
After a few years of pause I needed them twice in one month in December so my memory is fresh.
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Old 05.02.2021, 18:49
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Re: Roadside assistance/breakdown cover recommendations please

I reckon TCS are the only ones with their own breakdown vehicles, whilst all the others, generally insurance companies, outsource the actual service, generally to smaller local garages.
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Old 05.02.2021, 19:38
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Re: Roadside assistance/breakdown cover recommendations please

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Is that new? it used to be per vehicle.

Tom
Any vehicle you are driving & any driver for the declared no plate IIRC.
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Can anyone comment on how the TCS support is in English? Unfortunately, my German language skills are still very basic.
The operator will speak English, mechanic probably not.
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Old 05.02.2021, 21:09
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Re: Roadside assistance/breakdown cover recommendations please

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I reckon TCS are the only ones with their own breakdown vehicles, whilst all the others, generally insurance companies, outsource the actual service, generally to smaller local garages.
That was my thought exactly when my garage mentioned that I could probably get road help cheaper with my insurance.
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