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Author: Subject: Insurance coverage off road.
woody with a view
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[*] posted on 9-20-2017 at 11:41 AM


That HDI statement was what I was paraphrasing. I keep forgetting to look in my truck for the policy. Discover Baja's any 90 day annual full coverage.



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David K
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[*] posted on 9-20-2017 at 11:53 AM


Quote: Originally posted by philodog  
Got this response from Bajabound:

On the ACE terms and conditions you can find that information in the
Exclusions section, which are in sections 1.6.
The 12th exclusion states:

- Damages caused from traveling on nonconventional or non-municipal
roads.


On HDI's terms and conditions, the information is found in Section 4,
Clause 1.
The information reads:

- Loss or damages sustained or caused in the operation of the insured
vehicle off conventional roads or on roads not in good driving condition.
(Conventional Road shall be understood as a road adapted and/or designed to
be used by vehicles authorized to transport passengers on a private basis,
and on which there are reasonable signs of the normal transit of vehicles).


Conventional roads are roads that are normally transited, have signage, and
are on a map are generally considered conventional roads. Dirt roads may be
municipal as well if they have these characteristics. There is no coverage
on roads that are impassable.

Looks like I`m switching to HDI because of their clear language.


That's what I have! Thanks for relaxing those who were stressed out with the printout. Baja is covered with dirt roads of all types. If it is impassable, we wouldn't be on them, right? I have messed up my rear bumper and put a dent in the underside while on a pretty bad but popular dirt road but would never whine to an insurance company for covering that kind of thing. Probably any road that requires 4WD or Low Range would be considered impassable (to most), and that was what I was on (going to Mission Santa Maria)!

I have insurance more for the cities and highway to protect me from damage caused by the other guy. HDI Premium also has legal aid included as we know in Mexico, you are guilty until proven innocent (at least it was that way, but I think they are changing those Napoleonic laws?)!




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