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Spare Tyre

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Hi all,

I have a Zurich's breakdown assistance insurance. I would like to know in the case of flat tyre, do I need to have a spare tyre in my car? Is there any other extra costs if I do not have one? (of course in addition to the spare tire itself)

P.S. I already wrote an email to the company but it might take a few days for them to write me back.

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