2016年5月13日星期五

加拿大Roadside Assistance服务简介


聚沙在前面介绍CAA信用卡时顺便介绍过CAA的Roadside Assistance:
http://www.canadianrewards.org/2015/01/caa-rewards-mastercard.html。基本上CAA的服务是加拿大最好的,同时也是最贵的。你可以去当地的CAA网站查询相关信息。

加拿大除了CAA以外,还有其他的Roadside Assistance Program,主要包括:
此外,聚沙还听说过CIBC Auto Club和PC Financial也提供Roadside Assistance服务,但似乎网上相关信息不多,且仅有的几个用户评论也较差,因此就不在这介绍了。

嗯,从前面可以知道,如果你有TD/BMO的特定信用卡,你是可以享受免费的Roadside Assistance服务的。那在TD和BMO间,应该选哪家呢?聚沙自制了一张对比表格如下(如果大家发现有什么信息不准确的,请指正,谢谢):


粗看上去,TD的Deluxe服务要明显好于BMO的Basic服务。不过要注意以下2点:
  • TD明确规定(官网黑体字)只拖到最近的汽车修理厂。据说当你打求助电话时,TD会通过软件搜索离你位置最近的修理厂,如果你想自己选修理厂的话,你就需要付差价【所以,TD的Maxium 200km是有水分的,绝大多数情况下也就拖在10km以内】。而BMO虽说手册里面也标明“to the nearest qualified repair facility”,但DAA并不是那么严格,在合理范围内会拖到你指定的修理厂【何况本来BMO Basic也就限定了Maxium 10km的限制】
  • 在Traffic Accident的情况下,如果你想claim expenses,你必须先向你自己的车保claim。TD仅refund你的车保不cover的部分。而BMO Enhanced服务里面并无类似条款。

Anyway,有免费的总是好的,但免费的也是会有一些缺点的【一分钱一分货,主要在城市内开车,且车况好想省钱的朋友可以考虑】。TD的Deluxe服务看上去很美,实际用起来估计和BMO的Basic服务差不多。对比起来的话,聚沙还是推荐BMO Cashback World Elite MC,毕竟信用卡本身比TD Gold Elite Visa要好多了。如果车况不太好的话,本人还是推荐CAA的服务【贵是贵了些,不过还自带很多旅行优惠折扣什么的,经常旅行的朋友可以考虑】。

BTW,网上关于TD Deluxe Roadside Assistance的一些评论:
  • You are lucky that you got refunded because I complained to CS of TD Auto club to no avail. They said they have software to locate the nearest garage and I have to pay the difference, no exceptions.
  • To the best of my knowledge it is not 200km. One of my friends (with TD autoclub membership) had a problem with his car last year. He was told that he would get towed to the nearest shop but not where he wants. He wanted to have towed to his mechanic's (abt 26km far) and had to pay another tow truck guy to get there.
  • I had the exact same issue, it was a Saturday night (everything closed) wanted a tow to my local shop 30km and had to pay $90. Had I taken the free tow it would have been a $50 cab home + a trip back in to get my car the following day....just signed up for CAA Plus again.
  • Had the same terrible experience last night. Dealership was 12 kms away, but the TD guy said that they have a Speedy Auto Repair place 3 kms away. Had to pay an extra $40.
  • Just two weeks after the change, I needed a tow for one of my cars and I had to go 25 km to a garage that specializes in rack and pinion, the agent on the phone told me that they had to calculate the nearest garage (5km), so I had to pay the difference (20km = $43.00). Stay away from TD for Auto Service, it sucks!
  • Please do NOT buy TD AutoClub CRAP. I paid TD AutoClub for 3 years without using any service. Now for the first time I need to tow my car from my home to my mechanic which is 9km away but TD club said they only tow to the nearest mechanic which is 3 km away and I have to pay for the rest. Plus I told them my wife will be at home he said you have to be at home plus, I have to go with them to mechanic too, this will cost me one day salary on top of $40 they are charging for extra km.

2016年6月6日更新:【多谢MUNCNSTU提供信息】Sears 2016年的MyAdvantage program折扣券虽然卖$29,但是送一年Roadside Assistance号称价值$79.95,由DAA提供。$29 cover一年,感觉蛮值的,而且那本优惠券很好用。具体细节请见链接:https://www.searsclub.ca/#/myadvantage

2016年9月6日更新:TD Gold Elite自带的TD Auto Club会员有无限次services calls。但其他TD信用卡加上的TD Standard和TD Deluxe每年可以提供up to 6 services calls。这2个会员是不包括附卡持有人的。附卡持有人需要再买Associate会员身份,TD Standard是$34/年,TD Deluxe是$39/年。Associate会员每年有3次services call【只是小改动,就不改上面的表了】。

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