SxS UTV Insurance Coverage

G-Man - 5-18-2022 at 07:44 AM

Hola a todos!

Recommendations for Side By Side UTV insurance companies & coverage living on Baja 🇲🇽?


advrider - 5-18-2022 at 08:43 AM

Pretty sure Baja bound will cover it. I use them for car and moto.

G-Man - 5-19-2022 at 08:34 AM

Thanks! I will check in with them.

G-Man - 5-19-2022 at 10:23 AM

These are the responses I’m getting…

“Good morning, welcome to Ride Baja Mexican Insurance.
Unfortunately HDI Mexican Insurance carrier won't allow us to insure Mexican registered UTV's.”

“ Thanks for reaching out to Baja Bound!
I'm sorry, but we do not offer coverage for Mexican plated vehicles.”

And many seem to not actually cover off-road and or non street legal UTVs…

“Mexican ATV insurance is limited to conventional use on regular roads for street legal, registered ATV/UTV units. Off-road use is not covered and coverage does extend to towing with the ATV. Not to be confused with having the ATV covered while being towed on your regular auto policy (covered next).

This means your coverage will not extend beyond the township roads and common routes and it has basic limitations. Getting around town and cruising legal roads however is covered on your ATV/UTV.”

AKgringo - 5-19-2022 at 10:35 AM

I don't see myself owning a Baja plated vehicle in the near future, but I am curious if you were looking for covering the vehicle (damage or towing) or just liability? Does it make a difference?

G-Man - 5-19-2022 at 11:03 AM

Maybe I’m in a unique position as I’m a US citizen, living full-time in Mexico with legal MX Permanent Resident status… and I just purchased a new 2022 Mexican 🇲🇽 RZR from a Mexican dealership in Baja 🇲🇽. I’m looking to obtain Mexican insurance (primarily for theft coverage) & most likely liability insurance to be fully legal when on some paved Mexican Highways/Roads_ with coverage both on & off-road. I don’t own a trailer, won’t be trailering, and don’t need trailering coverage.

[Edited on 5-19-2022 by G-Man]

advrider - 5-19-2022 at 02:08 PM

I didn't know it mattered if it was Mex plated or not. I'm from the US and my SXS is plated in Nevada, so I've never had a problem. Good luck and let us know what you find.

John Harper - 5-19-2022 at 04:32 PM

Quote: Originally posted by G-Man  
I just purchased a new 2022 Mexican 🇲🇽 RZR from a Mexican dealership in Baja 🇲🇽.

Have you asked the Mexican dealership how it could be insured? It's probably not their first rodeo selling to an expat gringo. I would assume if they do any type of vehicle finance, they will require the vehicle have insurance. Clearly, it seems yours is not. However...

There must be a Mexican insurance company to write a policy. BajaBound and others are just agents for the Mexican companies, they probably have limited scope in what insurance they can offer. The Mexicans want to protect their market, as do the Americans.


[Edited on 5-19-2022 by John Harper]

G-Man - 5-20-2022 at 07:39 AM

Yes. The dealership does have a connection/referral to Quálitas.
I’m hoping to have another option or two for comparison of coverage options & rates.

G-Man - 5-22-2022 at 08:33 PM

Has anyone had issues with authorities stopping your UTV on Baja roadways, paved and or paved, and inquired to see your Mexican liability coverage documentation?

[Edited on 5-23-2022 by G-Man]

Bajazly - 5-22-2022 at 10:54 PM

How about talking to a local Mexican insurance broker? They would have no problem covering a Mexican plated vehicle.

G-Man - 5-22-2022 at 11:26 PM

Haven’t had much luck with that…

Other then the Dealership’s connection with Quálitas, which provided a quote much higher then anticipated, I haven’t been able to locate another_ I am awaiting, hopefully Tuesday, a response from the MX Broker that we had our 24’ Mexican Excursion Style Panga insured through.