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fishbuck
Banned
Posts: 5318
Registered: 8-31-2006
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I notices Chubbs is about $200 cheaper than HDI for me.
Same coverage.
With the me being cheap part that's hard to pass up...
If no one knows anything bad about Chubbs... that's the deal from the 2 leading candidates...
Do Nomads who bought Chubbs like 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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AKgringo
Elite Nomad
Posts: 5819
Registered: 9-20-2014
Location: Anchorage, AK (no mas!)
Member Is Offline
Mood: Retireded
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I am absolutely delighted that I never required their services, other than issuing the policy!
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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David K
Honored Nomad
Posts: 64493
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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Why not call Geoff or Jennifer at Baja Bound and ask them to explain the difference between Chubb and HDI. Don't quote me, but I think it is maybe the
amount of legal aid (get out of jail card) and liability?
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fishbuck
Banned
Posts: 5318
Registered: 8-31-2006
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Ok.
"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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sancho
Ultra Nomad
Posts: 2524
Registered: 10-6-2004
Location: OC So Cal
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Never had one of these, but it is my understanding a policy
holder can be SOB for the stated number of days during
a 365 day period, coming and going, or continuous. You
don't check in Or out, saves some $$$. 'On the honor
system' baffles me. People use it with success, just not
sure if push comes to shove, how to prove one hasn't
been SOB in excess of the # of days on policy
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David K
Honored Nomad
Posts: 64493
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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The 90-day policy means during the 365 days from getting that policy, you can travel in Baja up to those number of days and be covered. I took 8 trips
in 2017, but each one ranged from 3 to 14 days, most were a week long... so say 56 days of the 90 I had coverage for.
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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 David K  | | The 90-day policy means during the 365 days from getting that policy, you can travel in Baja up to those number of days and be covered. I took 8 trips
in 2017, but each one ranged from 3 to 14 days, most were a week long... so say 56 days of the 90 I had coverage for. |
How do they know how many days you have been there? Seems like burden of proof would fall on the policy holder when they say no, you have been here
more than the allotted days of the policy.
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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ZipLine
Nomad
Posts: 109
Registered: 7-16-2015
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FWIW, you might also take a look at the liability levels. I significantly increased my minimums. If you were in a serious accident in which the other
party had significant injuries and you were found liable, I don't think the minimums would get you far.
I am aware of one instance (only one though and as always, could have been BS) where the foreign (USA) driver was held until agreeing to cover the
damages above what his liability would cover. Hospital stays, out of work coverage, ongoing care if needed for a while...
I think I doubled or even tripled my liability coverage and it really didn't add more than a few bucks to the cost, but provides a lot of peace of
mind. No need to pay more than you need to pay, but do take a look at the minimums and see if you think they are realistic. In my case, I thought
not.
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David K
Honored Nomad
Posts: 64493
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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| Quote: Originally posted by Bajazly | | Quote: Originally posted by David K | | The 90-day policy means during the 365 days from getting that policy, you can travel in Baja up to those number of days and be covered. I took 8 trips
in 2017, but each one ranged from 3 to 14 days, most were a week long... so say 56 days of the 90 I had coverage for. |
How do they know how many days you have been there? Seems like burden of proof would fall on the policy holder when they say no, you have been here
more than the allotted days of the policy. |
Honor system perhaps? Your FMM will have the date when you began the first trip, maybe. These are questions for Geoff at Baja Bound or your insurance
agent. If these companies made a practice of screwing clients, just how long would they stay in business?
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JZ
Elite Nomad
Posts: 9271
Registered: 10-3-2003
Member Is Online
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| Quote: Originally posted by ZipLine | FWIW, you might also take a look at the liability levels. I significantly increased my minimums. If you were in a serious accident in which the other
party had significant injuries and you were found liable, I don't think the minimums would get you far.
I am aware of one instance (only one though and as always, could have been BS) where the foreign (USA) driver was held until agreeing to cover the
damages above what his liability would cover. Hospital stays, out of work coverage, ongoing care if needed for a while...
I think I doubled or even tripled my liability coverage and it really didn't add more than a few bucks to the cost, but provides a lot of peace of
mind. No need to pay more than you need to pay, but do take a look at the minimums and see if you think they are realistic. In my case, I thought
not. |
That's what we are referring to in the discussions of CSL.
"Combined single limit (CSL) CSL is a single number that describes the predetermined limit for the combined total of the Bodily Injury Liability
coverage and Property Damage Liability coverage per occurrence or accident."
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SFandH
Elite Nomad
Posts: 6929
Registered: 8-5-2011
Member Is Offline
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I bought an annual policy with Qualitas from an agent in TJ that a friend recommended. Liability only, $150,000 coverage for $220 (premium cost and
agent fee).
How does that compare with the policies Bajabound and Baja Discover sell?
[Edited on 6-18-2019 by SFandH]
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JZ
Elite Nomad
Posts: 9271
Registered: 10-3-2003
Member Is Online
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| Quote: Originally posted by SFandH | I bought an annual policy with Qualitas from an agent in TJ that a friend recommended. Liability only, $150,000 coverage for $220 (premium cost and
agent fee).
How does that compare with the policies Bajabound and Baja Discover sell?
[Edited on 6-18-2019 by SFandH] |
That is pretty cheap. If you want a comparison, you can go up on the BB site and get a quote fast w/o needing to talk to anyone.
[Edited on 6-19-2019 by JZ]
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sancho
Ultra Nomad
Posts: 2524
Registered: 10-6-2004
Location: OC So Cal
Member Is Offline
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| Quote: Originally posted by Bajazly |
How do they know how many days you have been there? Seems like burden of proof would fall on the policy holder when they say no, you have been here
more than the allotted days of the policy. |
Since one does not have to check in or out when going SOB,
they have no record of the # of days in Mex. DK has a point
that if these Co.s were messing with people word would
spread. Used Bajabound exclusively over the yrs., never
had to contact them, but from what I've read here, not that
he has the ultimate say, but Geoff appears hands on and
will assist a holder
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Don Jorge
Senior Nomad
Posts: 638
Registered: 8-29-2003
Member Is Offline
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Another vote for BajaBound. Their website, as noted, is easy to use.
Also noted previously, and we concur, is the the professional, knowledgeable and friendly staff. Geoff, Jennifer, Hank, Yara and all the others are
really nice people too.
First met the crew at BB back when FDT meant Fernando of Nomads.
The BB crew worked tirelessly behind the scenes to make Ferna's Dia de los Reyes Tijuana Toy Drive a huge success by serving as a drop off point for
gifts and often helping Ferna get out of the many annual jams he always seemed to get into and then out of, with the help of the BB crew
We prefer to exchange money for services with people who we feel contribute to the community they serve. For us Baja auto insurance is synonymous with
Baja Bound.
�And it never failed that during the dry years the people forgot about the rich years, and during the wet years they lost all memory of the dry
years. It was always that way.�― John Steinbeck
"All models are wrong, but some are useful." George E.P. Box
"Nature bats last." Doug "Hayduke" Peac-ck
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pacificobob
Super Nomad
Posts: 2242
Registered: 4-23-2006
Member Is Offline
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Que esta "full boat"?[/rquote]
considering investing in a Spanish grammar book with the money you save on insurance.
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Marc
Ultra Nomad
Posts: 2747
Registered: 5-15-2010
Location: San Francisco & Palm Springs
Member Is Offline
Mood: Waiting
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Discover Baja Club
2007 Tundra
HDI
Anywhere in Mexico 120 days
$388
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solosancarlos
Junior Nomad
Posts: 64
Registered: 11-11-2010
Member Is Offline
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and remember if you call Baja Bound direct at the SD office they will give you far more options on insurance packages and probably save you more money
than if you just robo-purchased it online
They are excellent to speak with and very helpful and professional
[Edited on 6-20-2019 by solosancarlos]
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David K
Honored Nomad
Posts: 64493
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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| Quote: Originally posted by SFandH | I bought an annual policy with Qualitas from an agent in TJ that a friend recommended. Liability only, $150,000 coverage for $220 (premium cost and
agent fee).
How does that compare with the policies Bajabound and Baja Discover sell?
[Edited on 6-18-2019 by SFandH] |
Baja Bound was less depending on medical coverage options and using HDI.
Instead of HDI, you could go with Chubb and at 100,000 was only $183 or 300,000 was $253.
You can go to their site an punch in lots of choices: https://www.bajabound.com/buy/?view=start
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willardguy
Elite Nomad
Posts: 6451
Registered: 9-19-2009
Member Is Offline
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what other MEXICAN products do you buy from an american? support our local businesses, use a mexican broker! 
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David K
Honored Nomad
Posts: 64493
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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What other Baja forum do you enjoy, for free, thanks to the sponsoring of Baja Nomad and Talk Baja from Baja Bound?
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