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Open Roads Forum  >  RVing in Mexico and South America

 > FAQ Insurance for Mexico

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Tango Dancer

Las Vegas - Nevada

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Posted: 12/25/06 10:16pm Link  |  Quote  |  Print  |  Notify Moderator

If you happen to have Progressive Insurance in US, (we do) you will be cover in the comprehensive part of it in Mexico. If you are in accident they (Progressive) will tow your vehicle to the USA and fix it. The insurance it only valid in Mexico, not in Central or South America. That is way in our case we need only liability.


Bill Sirimarco
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moisheh

North America

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Posted: 12/26/06 06:11pm Link  |  Quote  |  Print  |  Notify Moderator

Tngo Dancer: Thank you for that clarification. WE too have Progressive on one of our coaches. As an added bonus they will tow the coach to the USA for repairs. That is a valuable option!!

Moisheh

Tango Dancer

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Posted: 12/26/06 07:34pm Link  |  Quote  |  Print  |  Notify Moderator

Moisheh, you are very welcome. Bill

scubamex

Santa Cruz

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Posted: 01/23/07 12:00pm Link  |  Quote  |  Print  |  Notify Moderator

There is some great information about Mexican insurance on this forum, but there a multitude of options on how to best insure your RV in Mexico. I highly recommend calling a Mexico insurance specialist to explain all of your options because RVs (especially when you are towing other vehicles) can be a bit complicated to insure.

I have had very good experience with Adventure Mexican Insurance http://www.mexadventure.com 800-485-4075 They take time to explain all of your options, and the pros and cons to each type of insurance.

There are a lot of options depending on what type of insurance you have in the US/Canada, the length of time you will be in Mexico, and if you plan on going to Mexico frequently.

Option 1 - switch your US insurance carrier:
If you plan on being in Mexico for more than 7 days, you should highly consider switching your US insurance to a US RV insurance company who extends physical damage and theft coverage into Mexico (there are about 3 US companies who offer this perk right now). This option can save you hunderds $, and can give you much better coverage. These companies cover all of Mexico, not just 25 miles across the border like some other US insurance companies. If you have this special US RV insurance, then you will only need to buy a Mexican liability insurance policy which is much less expensive than buying a full coverage RV insurance policy (plus you get lower deductibles and often get full replacement value through your US company - the Mexico insurance only offers depreciated values and usually has higher deductibles). NOTE: Canadians, sorry, this is not an option for you at this time.

Option 2 - If you are Canadian or do not want to switch your current US insurance carrier:
If you need to get your 'full coverage' insurance through a Mexican carrier, you should ask the following questions before your buy:
1: What are the deductibles?
2: Am I allowed to fix my vehicle in the US, and what is the hourly labor rate for repairs made in the US? (many companies make you fix your vehicle in Mexico - yipes!)
3: Is towing included?
4: Is legal assistance included?
5: Is Medical Evacuation and Plane Tickets home included? If so, for how many people? (We found that Adventure Mexican Insurance includes medical air ambulance and plane tickets back to your home if your vehicle is not drivable - this coverage is already included in their Mexican policy for up to 4 people in your tavel group)

If you are towing another vehicle:
Each self propelled vehicle will need its own individual Mexican insurance policy for while that vehicle is driving under its own power. So expect to buy 2 separate insurance policies (but you will also need to list the towed car as a towed unit on the RV policy).

As you can see, this gets a little complicated, so I highly recommend speaking to a live human who can explain all of your options to you.

Turtle-Toad

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Posted: 01/23/07 12:16pm Link  |  Quote  |  Print  |  Notify Moderator

Scubamex,
Thanks for the info.

Can you provide the names of the US insurance companies that cover Mexico for cars? The only one that has been posted here is National Interstate, and I've had a problem finding a live human when trying to contact them, so I still don't know what they offer. If there are others, I'd like to know.


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scubamex

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Posted: 01/23/07 12:48pm Link  |  Quote  |  Print  |  Notify Moderator

Yes, Progressive is one of the US companies who extends physical damage and theft into Mexico.

There are a few Mexican insurance brokers who also sell the Progressive policy as well as National Interstate. As mentioned before in a post, Adventure Mexican Insurance 800-485-4075 is where we bought our insurance from, and they could provide us with BOTH the Progressive US policy AND the Mexico liability policy. We found it much easier to work with 1 broker who truly understood all of the Mexico insurance concepts.

If you call Progressive directly, you end up speaking to someone who doesn't really know anything about Mexico (it is a call center in Ohio), and they can only tell you to go find a Mexican insurance broker who then can sell you the Mexican liability insurance.

It cuts out alot of the trouble if you just get your Progressive policy and Mexican policy from the same broker - then you can make sure you are not missing anything

scubamex

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Posted: 01/23/07 01:01pm Link  |  Quote  |  Print  |  Notify Moderator

Turtle Toad,

Just noticed that you asked specifically about CARS - not RVs.

Yes, I checked out National Interstate before, and they do offer the coverage for 'Companion Autos' if you ALSO insure your RV with National Interstate. The only problem was that the National Interstate policy for the RV was very expensive, so once I crunched the numbers, I found it more cost effective to insure my rig with Progressive, then just buy the Mexican 'full coverage' insurance through the Mexican insurance company. Adventure Mexican Insurance gave me the full scenario so I was able to crunch the numbers (they could give me a Progressive and National Interstate quote) Also, National Interstate does not seem to have as large a presence as Progressive (claims infrastructure) so I felt more comfortable with the Progressive policy.

Unless your car is worth over $40K, the full coverage Mexican insurance (Mexican carrier) has decent coverage, reasonable deductibles, and decent rates. It's when you have an RV worth more than $50K that the Mexican insurance carrier programs start getting really expensive and the deductibles get ridiculously high.

So our experiance was - get Progressive US RV insurance, and get full coverage Mexican insurance through the Mexican carrier.

Call the guys at Adventure so they can run the numbers for your scenario.

Tango Dancer

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Posted: 01/23/07 09:43pm Link  |  Quote  |  Print  |  Notify Moderator

I just find out that, Adventure Mexican Insurance - www.mexadventure.com - 800-485-4075, insures CARS in Mexico with comprehensive and liability, i just insured my Jeep with them for one Year for less than $300 Dollars for a $20.000 Jeep comprehensive and liability coverage. Bill

MARK AN DAR

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Posted: 04/05/07 02:01pm Link  |  Quote  |  Print  |  Notify Moderator

WHILE IN MEXICO YOU DON'T INSURE VEHICLES YOU INSURE YOURSELF. YOU GET A INSURANCE POLICY FOR YOU. I GOT MINE AT 1-800-909-4457. IT COST ME $58.00 + $25.OO FOR LEGAL AID TOTAL OF $83.00 FOR 365 DAYS. AND I CAN DRIVE ANY VEHICLE. CONTACT YOUR INSURANCE COMPANY ABOUT LOSS OF YOUR VEHICLE. MINE ARE COVERED TO A CERTAIN DISTANCE. DON'T BUY INSURANCE AT THE BORDER, THEY ARE VERY EXPENSIVE. I PAID $90.00 FOR 3 DAYS BEFORE I WAS TOLD ABOUT THIS COMPANY......HAVE A CORONA FOR ME, MARK

HerbertRon

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Posted: 04/15/07 05:05pm Link  |  Quote  |  Print  |  Notify Moderator

I used MexPro and needed to file a claim. They came through and paid what the policy said they should pay in a reasonable amount of time. Last two years I have returned to Mexico and use the same company. No increase in rates. Another little information. At the accident on a toll road the Federal police asked if I had the ticket from the toll booth, which I had. They explained that was insurance. Sure enough when the insurance company asked for the deductable I said no toll road pays. They called in and then agreed. Keep those toll road tickets.

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