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fishbuck
Banned
Posts: 5318
Registered: 8-31-2006
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The insurance question?
I need to buy the Baja Insurance for my truck.
I have read both Bajabound and Discover Baja webpages.
Is there a dime of difference between the 2. Is there another good company?
I have never bought the full annual policy.
I kind of like the 120 day policy.
But not sure if my truck will be there more.
It is suppose to be...
Would really appreciate it if you can share your experience on it.
"A ship in harbor is safe, but that is not what ships are built for." J. A. Shedd.
A clever person solves a problem. A wise person avoids it. – Albert Einstein
"Life's a Beach... and then you Fly!" Fishbuck
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aburruss
Nomad
Posts: 216
Registered: 2-6-2018
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I've had a fantastic experience with the HDI Seguros 120 day policy that we purchased through DiscoverBaja. "Someone" drove the vehicle off of the
road in BoLA, completely messed up the radiator, transmission, and some body panels, and the insurance paid to have the car towed back to the states
and fixed in the states.
I have no idea how the enforce the 120 day portion of that policy, but I'm never there for more than 120 days out of 365, so it's never been an issue
for me.
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SFandH
Elite Nomad
Posts: 6929
Registered: 8-5-2011
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Quote: Originally posted by aburruss  | I've had a fantastic experience with the HDI Seguros 120 day policy that we purchased through DiscoverBaja. "Someone" drove the vehicle off of the
road in BoLA, completely messed up the radiator, transmission, and some body panels, and the insurance paid to have the car towed back to the states
and fixed in the states.
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Good info, thanks.
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AKgringo
Elite Nomad
Posts: 5819
Registered: 9-20-2014
Location: Anchorage, AK (no mas!)
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Mood: Retireded
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What is the value of your truck? My Baja rig is only worth about three thousand dollars or so, and I choose to buy an annual "driver's license
policy" from Bajabound instead of insuring the vehicle.
It provides liability coverage, and some legal coverage as well, no matter whose car you are driving. (but not for motorhomes or motorcycles)
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!
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willardguy
Elite Nomad
Posts: 6451
Registered: 9-19-2009
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I'd buy from reputable mexican broker.
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John Harper
Super Nomad
Posts: 2289
Registered: 3-9-2017
Location: SoCal
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I got a quote from an agent in Rosarito for a drivers only policy. I think it was only $120 a year? Maybe a bit less perhaps.
AK - How much was your policy from BajaBound?
John
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aburruss
Nomad
Posts: 216
Registered: 2-6-2018
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| Quote: Originally posted by aburruss | I've had a fantastic experience with the HDI Seguros 120 day policy that we purchased through DiscoverBaja. "Someone" drove the vehicle off of the
road in BoLA, completely messed up the radiator, transmission, and some body panels, and the insurance paid to have the car towed back to the states
and fixed in the states.
I have no idea how the enforce the 120 day portion of that policy, but I'm never there for more than 120 days out of 365, so it's never been an issue
for me. |
Also, for what it's worth, I got the option for "Best Coverage" or "Economy Coverage". I chose "Best". Looks to include vandalism and Partial Theft,
and also increases the amounts on uninsured motorist and Medical payments. I've used NONE of those upgraded features.
My 120 day policy on a 2006 truck with a trailer was $380.
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AKgringo
Elite Nomad
Posts: 5819
Registered: 9-20-2014
Location: Anchorage, AK (no mas!)
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Mood: Retireded
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I can not find the policy, it expired almost a year ago but I believe it was closer to $200. I should add that it covers up to three people, and all
the information can be found by following the link in the header at the top of this page.
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!
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fishbuck
Banned
Posts: 5318
Registered: 8-31-2006
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Very cool.
My truck is worth too much to not fully insure. But not alot.
I like the idea of a "reputable Mexican broker" but not sure what that is.
I want to buy online tonight if I can.
Crossing in tommorrow for a 5 day down to the camp.
Fish are biting and I need to work on setting up the my house.
And inspect my septic tank hole that should have gotten dug.
So I'm on a mission... for some fishin'...
"A ship in harbor is safe, but that is not what ships are built for." J. A. Shedd.
A clever person solves a problem. A wise person avoids it. – Albert Einstein
"Life's a Beach... and then you Fly!" Fishbuck
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Bajazly
Senior Nomad
Posts: 994
Registered: 6-4-2015
Location: Goodbye Cali and Hello San Felipe
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Mood: More Relaxed Everyday
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I just reuped my year policy on an 08 Tacoma, damage and theft at 25k
medical at 300k, repair in US full fair for just shy of $529.
Got it thru Bajabound and chose Chubb.
Believing is religion - Knowing is science
Harald Pietschmann
"Get off the beaten path and memories, friends and new techniques are developed"
Bajazly, August 2019
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fishbuck
Banned
Posts: 5318
Registered: 8-31-2006
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| Quote: Originally posted by Bajazly | I just reuped my year policy on an 08 Tacoma, damage and theft at 25k
medical at 300k, repair in US full fair for just shy of $529.
Got it thru Bajabound and chose Chubb.
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That's about the same for a full annual on my truck.
I think that is the best...
I'm cheap so I always look for "the deal".
But might go "full boat" and forget about it for a year.
"A ship in harbor is safe, but that is not what ships are built for." J. A. Shedd.
A clever person solves a problem. A wise person avoids it. – Albert Einstein
"Life's a Beach... and then you Fly!" Fishbuck
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Bajazly
Senior Nomad
Posts: 994
Registered: 6-4-2015
Location: Goodbye Cali and Hello San Felipe
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Mood: More Relaxed Everyday
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| Quote: Originally posted by fishbuck | | Quote: Originally posted by Bajazly | I just reuped my year policy on an 08 Tacoma, damage and theft at 25k
medical at 300k, repair in US full fair for just shy of $529.
Got it thru Bajabound and chose Chubb.
|
That's about the same for a full annual on my truck.
I think that is the best...
I'm cheap so I always look for "the deal".
But might go "full boat" and forget about it for a year. |
Que esta "full boat"?
Believing is religion - Knowing is science
Harald Pietschmann
"Get off the beaten path and memories, friends and new techniques are developed"
Bajazly, August 2019
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sancho
Ultra Nomad
Posts: 2524
Registered: 10-6-2004
Location: OC So Cal
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To me, what drastically changes the price is how much
CSL you choose, there are policies that have 50k going
to 500k and higher. A couple yrs. back, one of the San Diego
brokers said he could not remember an incident over 90k.
I get the 300k which is probably way overkill, but I 'm a
bit hinky driving in Mex. Had one of the 90/120 day policy brokers
say 'it is on the honor system to not be SOB more than the
policy states', way too flaky for me
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Bajazly
Senior Nomad
Posts: 994
Registered: 6-4-2015
Location: Goodbye Cali and Hello San Felipe
Member Is Offline
Mood: More Relaxed Everyday
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| Quote: Originally posted by sancho | To me, what drastically changes the price is how much
CSL you choose, there are policies that have 50k going
to 500k and higher. A couple yrs. back, one of the San Diego
brokers said he could not remember an incident over 90k.
I get the 300k which is probably way overkill, but I 'm a
bit hinky driving in Mex. Had one of the 90/120 day policy brokers
say 'it is on the honor system to not be SOB more than the
policy states', way too flaky for me |
What is a 90 or 120 day policy? You can be in the country for that amount of time out of 365 days? The end of the policy is pretty set. Buy it and 120
days later its done or???
Believing is religion - Knowing is science
Harald Pietschmann
"Get off the beaten path and memories, friends and new techniques are developed"
Bajazly, August 2019
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BajaNomad
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Thread Moved
6-17-2019 at 08:54 PM |
fishbuck
Banned
Posts: 5318
Registered: 8-31-2006
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| Quote: Originally posted by Bajazly | | Quote: Originally posted by fishbuck | | Quote: Originally posted by Bajazly | I just reuped my year policy on an 08 Tacoma, damage and theft at 25k
medical at 300k, repair in US full fair for just shy of $529.
Got it thru Bajabound and chose Chubb.
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That's about the same for a full annual on my truck.
I think that is the best...
I'm cheap so I always look for "the deal".
But might go "full boat" and forget about it for a year. |
Que esta "full boat"? |
Full coverage with all the bells and whistles.
"A ship in harbor is safe, but that is not what ships are built for." J. A. Shedd.
A clever person solves a problem. A wise person avoids it. – Albert Einstein
"Life's a Beach... and then you Fly!" Fishbuck
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fishbuck
Banned
Posts: 5318
Registered: 8-31-2006
Member Is Offline
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| Quote: Originally posted by sancho | To me, what drastically changes the price is how much
CSL you choose, there are policies that have 50k going
to 500k and higher. A couple yrs. back, one of the San Diego
brokers said he could not remember an incident over 90k.
I get the 300k which is probably way overkill, but I 'm a
bit hinky driving in Mex. Had one of the 90/120 day policy brokers
say 'it is on the honor system to not be SOB more than the
policy states', way too flaky for me |
I always wonder about it. In this case more is better I think. But yeah, 300k seems about right.
"A ship in harbor is safe, but that is not what ships are built for." J. A. Shedd.
A clever person solves a problem. A wise person avoids it. – Albert Einstein
"Life's a Beach... and then you Fly!" Fishbuck
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JZ
Elite Nomad
Posts: 9269
Registered: 10-3-2003
Member Is Online
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I like Baja Bound because their website is one of the best around. Once you enter all your info, they make it super easy to renew. I can add or
subtract different things to a policy - bikes carried or towed, boat towed, etc.
Once you have entered all your personal info, and all the vehicles, and toys, you can make a new policy in minutes. It's an incredibly well designed
website.
Plus, when you call them, they give you quick and straight answers about policy coverage.
Personally, I crank the CSL up to the max.
[Edited on 6-18-2019 by JZ]
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Alan
Super Nomad
Posts: 1617
Registered: 4-6-2005
Location: Yucaipa, CA/La Paz
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Personally I swear by HDI. The one time I had to make a claim over the loss of my boat they settled it for the full amount and it was completely
resolved in about 30 days. The other recommendation I would make is to purchase your policy through one of the travel clubs such as Baja Bound or
Discover Baja.
My policies are through Discover Baja and DB was with me through the entire process. They obviously wield a great deal of power just through the
number of policies they write. Anytime I couldn't get a response to an email in a timely manner I simply added a cc to Discover Baja and I would
receive an answer in 24 hrs or less. I just feel better having the support of a travel club behind me rather than trying to deal directly with an
agent of the company that may not have my full best interests at heart.
In Memory of E-57
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David K
Honored Nomad
Posts: 64493
Registered: 8-30-2002
Location: San Diego County
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Mood: Have Baja Fever
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HDI Insurance I think is the #1 Mexican company? They also offer Chubb Insurance, a bit less $.
Sold in San Diego or online at Baja Bound and Discover Baja Travel Club.
Both San Diego companies are great people to deal with and I have bought from both over the years.
One is a club, so you do pay for membership which has discounts offered on the insurance and other services in Baja. They have a bookstore in their
club office and sell maps, too.
The other is just an insurance agency that supports many Baja activities including THIS website (Baja Nomad) as well as my writing monthly articles
and sponsors my book. A new road guide will be coming soon from Baja Bound.
Maybe also check the Baja Good Life Club as they do have Baja Bound discounted to their members?
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bajaguy
Elite Nomad
Posts: 9247
Registered: 9-16-2003
Location: Carson City, NV/Ensenada - Baja Country Club
Member Is Offline
Mood: must be 5 O'clock somewhere in Baja
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SENTRI Discount
Through Bajabound
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