| Pages:
1
2 |
AKgringo
Elite Nomad
Posts: 5805
Registered: 9-20-2014
Location: Anchorage, AK (no mas!)
Member Is Offline
Mood: Retireded
|
|
A question for Geoff about the drivers license policy
I am planning a fall, and spring trip this year. Since I plan on driving two different vehicles and they are both low value, I am looking at the
annual policy.
If one of my family intends to join me at some point, can they be added to an existing policy, or must they be named on the original document?
[Edited on 10-4-2017 by AKgringo]
If you are not living on the edge, you are taking up too much space!
"Could do better if he tried!" Report card comments from most of my grade school teachers. Sadly, still true!
|
|
|
PaulW
Ultra Nomad
Posts: 3005
Registered: 5-21-2013
Member Is Offline
|
|
only good for persons named on the original policy. Not even sure if someone else not living at the same address can even be on the contract? Ask the
insurance person.
|
|
|
surabi
Ultra Nomad
Posts: 3084
Registered: 5-6-2016
Member Is Offline
|
|
Quote: Originally posted by AKgringo  | I am planning a fall, and spring trip this year. Since I plan on driving two different vehicles and they are both low value, I am looking at the
annual policy.
If one of my family intends to join me at some point, can they be added to an existing policy, or must they be named on the original document?
[Edited on 10-4-2017 by AKgringo] |
I have HDI insurance on my Mexican plated car. Not a tourist policy. My agent told me that anyone can drive my car, that it is the car that is
covered, not a specific driver.
This might vary on a tourist policy. And you should be asking your question of the insurance company or agent, not folks on a public forum, unless you
are just going to blindly trust what people have to say.
|
|
|
David K
Honored Nomad
Posts: 64479
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
|
|
He said a "question for Geoff" (Geoff is the owner of Baja Bound Insurance).
|
|
|
AKgringo
Elite Nomad
Posts: 5805
Registered: 9-20-2014
Location: Anchorage, AK (no mas!)
Member Is Offline
Mood: Retireded
|
|
You are correct David, Geoff was on line when I asked the question, and I thought others might be interested in the answer.
I have already decided to get an annual liability only policy, which allows for up to three drivers. Another annual occurrence is family and friends
that tell me they would love to fly down and join me in Baja. Trying to guess who might actually follow through and make the trip is a bet that I
would not take, so I was wondering if someone could be added to an existing policy.
When I get around to setting a start date (soon) I will share the info here.
If you are not living on the edge, you are taking up too much space!
"Could do better if he tried!" Report card comments from most of my grade school teachers. Sadly, still true!
|
|
|
BajaGeoff
Super Nomad
Posts: 1727
Registered: 1-11-2006
Location: San Diego and Campo Lopez
Member Is Offline
Mood: Heading To Baja!!!
|
|
Hello AK....glad you found the info about adding extra drivers. One quick note.....for the annual policies, ACE and HDI only allow us to make one edit
for the duration of the policy, as it changes the policy number and all of the new information has to be resubmitted to the underwriter.
One easy option is just having your friend(s) get a daily liability policy on your vehicle for the time they will be visiting...which is very
inexpensive.
|
|
|
AKgringo
Elite Nomad
Posts: 5805
Registered: 9-20-2014
Location: Anchorage, AK (no mas!)
Member Is Offline
Mood: Retireded
|
|
Thank you Geoff, That is the information I needed!
If you are not living on the edge, you are taking up too much space!
"Could do better if he tried!" Report card comments from most of my grade school teachers. Sadly, still true!
|
|
|
eguillermo
Nomad
Posts: 113
Registered: 10-10-2008
Member Is Offline
|
|
This is a really helpful thread, thanks 
The only thing I would add is, that if you're buying from Discover Baja, make sure to try turning the dials up and selecting higher amounts of
coverage for the options; it's surprising how little the premium rises to double the coverage.
Saying this in case anyone else might be a hasty and thoughtless as I have been in the past, thinking insurance was "just a box to be checked." A
couple times I have just uncritically bought the first policy shown.
|
|
|
sancho
Ultra Nomad
Posts: 2524
Registered: 10-6-2004
Location: OC So Cal
Member Is Offline
|
|
| Quote: Originally posted by eguillermo |
The only thing I would add is, that if you're buying from Discover Baja, make sure to try turning the dials up and selecting higher amounts of
coverage for the options; it's surprising how little the premium rises to double the coverage.
|
That goes for any policy/ broker.
I'm spooked by the thought of being underinsured, there are
some $50k commonly issued policies out there. Although one of the San Diego brokers
got back to me stating they believe the highest amount
one of their claims was $90k, but if the unlikely were to
happen, I can think of nothing worse than than holding
a policy that would not cover you
|
|
|
| Pages:
1
2 |
![[*]](images/xmbforum/default_icon.gif){kind=icon}
