I have an assurance juridique privée et circulation (= juridic insurance) with TCS Assista. I started to become dissatisfied with them after realizing that the last times I used their services (for housing problems), although they provided some useful information, they did practically nothing to modify the outcome of the matter. Their philosophy was "oh, it's better if you find an agreement with the Régie, because going to court is going to cost much more".
This is indeed true, as it is true that in Switzerland the laws are not in favour of the common citizen; however, I'd like they had put more effort in my defense. At the end, I realized that their intervention was always irrelevant (I obtained what the Régie offered and not a bit more) and I only lost time putting them in the loop.
Do you have an assurance juridique that actually does the client's interests? What are your experiences?