Problem Exporting CSV

I Sweden we typically use tab separated files for Excel, (and commas for the decimal point).
So I export CSV to Word and replace commas with tabs, and then paste into Excel.

However, this procedure has a problem with fields that in themselves contain commas
(leading to that field occupying several consecutive cells, which then have to be manually corrected).

Suggestion: One solution would be to provide not only .csv, but also a tab separated export.
Another would be to substitute in-field commas with something else (semicolons?) before export.

Or, If there is a smart procedure that solves my problem, I would like to learn about it in your reply.

Our export/import uses and expects the following settings. You cannot use whatever settings you like as it won't be compatible. In the future we'll offer a parameter to set some of these settings during export/import.

1. Character set: UTF-8
2. Separated by Comma
3. Format quoted fields as text
4. " as string delimiter