BajaNomad - full coverage or just liability?

full coverage or just liability?

socalrat - 12-12-2010 at 11:26 PM

full coverage for 19 days is in excess of $300. Liability only is $100.

2007 FJ Cruiser an a 19ft Airstream.

Full coverage or just liability?

gb3

David K - 12-12-2010 at 11:43 PM

You can get an annual policy for that much... You need full coverage if there are lien holders or if you want repairs made to your vehicle's damage.

Have you gotten quotes from the top three Baja Nomad sources for insurance (BajaBound.com, DiscoverBaja.com, and Lewis & Lewis at mexicanautoinsurance.com) ?

An annual policy is about the same price as 2 weeks of daily policy coverage... and it is good for a year of Baja vacations!

[Edited on 12-13-2010 by David K]

mcfez - 12-13-2010 at 05:58 AM

We get the yearly policies....it's bout the same or cheaper....IF...you head into Baja several times or more. Oh...$1000 deductible brings down the cost

Diver - 12-13-2010 at 05:59 AM

Quote:

Originally posted by socalrat
2007 FJ Cruiser an a 19ft Airstream.

Do you have full coverage at home ?
So you don't care as much about the value of your rig in Baja ?
I don't understand .....
Get full coverage for whatever value you choose.

MitchMan - 12-13-2010 at 06:21 AM

Do any policies cover theft of the vehicle while in Baja?

woody with a view - 12-13-2010 at 06:31 AM

that's what full coverage means. totally insured. contents are on you, tho....

MitchMan - 12-13-2010 at 06:41 AM

Woody, are you absolutely, positively, unequivocably sure about that to the exclusion of any other possibility? Does the policy say "theft" is covered expressly?

two policies

bajaguy - 12-13-2010 at 06:53 AM

Methinks you need to insure the Airstream seperately

Santiago - 12-13-2010 at 08:05 AM

Quote:

Originally posted by MitchMan
Woody, are you absolutely, positively, unequivocably sure about that to the exclusion of any other possibility? Does the policy say "theft" is covered expressly?

From the English translation of my Qualitas policy:
The total theft of the insured vehicle as well as the losses or damages resulting from said total theft.

DENNIS - 12-13-2010 at 08:09 AM

Quote:

Originally posted by bajaguy
Methinks you need to insure the Airstream seperately

Agreed.

Santiago - 12-13-2010 at 08:13 AM

Quote:

Originally posted by DENNIS

Quote:

Originally posted by bajaguy
Methinks you need to insure the Airstream seperately

Agreed.

Why do you guys say this? I thought you just listed the towed vehicles with a separate value (zero if you want liability only on the toad while it is being towed or $X if you want it covered under comp/coll)? Why a separate policy?

Diver - 12-13-2010 at 08:14 AM

We typically add our boat and camp trailer to the same policy with either Lewis and Lewis or Discover Baja.
Never had a separate policy.

DENNIS - 12-13-2010 at 08:28 AM

Quote:

Originally posted by Santiago
Why do you guys say this? I thought you just listed the towed vehicles with a separate value (zero if you want liability only on the toad while it is being towed or $X if you want it covered under comp/coll)? Why a separate policy?

OK....I didn't know the new, modern procedure. I guess what we mean is the trailer isn't considered an extension of the towing vehicle as it is in the states, unless that's an archaic interpretation as well.

It's not easy keeping up with all the modern nonsense taking over "The Land That Time Forgot." I live in the past 'cause I know my way around.
One of these days, it'll all be left to you young Whippersnappers and only then will you be able to understand and appreciate the immense cross we have to bear as keepers of the archives of eternal Baja Wisdom. :biggrin:

Santiago - 12-13-2010 at 08:42 AM

Quote:

Originally posted by DENNIS
It's not easy keeping up with all the modern nonsense taking over "The Land That Time Forgot." I live in the past 'cause I know my way around.
One of these days, it'll all be left to you young Whippersnappers and only then will you be able to understand and appreciate the immense cross we have to bear as keepers of the archives of eternal Baja Wisdom. :biggrin:

touché.....

mtgoat666 - 12-13-2010 at 09:52 AM

Quote:

Originally posted by socalrat
Full coverage or just liability?

that's a question of risk? are you looking for others to tell you if you can afford a loss w/o insurance?

i always make sure my ins policy includes bond. the mex legal system response after tarffic accident is to throw all in jail until you post bond. supposedly the bond insurance pays your bond after you are arrested,... don't know if it works, haven't had to try it out yet :lol:

BooJumMan - 12-13-2010 at 09:55 AM

Just curious, does Lewis and Lewis do split insurance?

surfer jim - 12-13-2010 at 10:10 AM

It is easy to BUY insurance. The hard part from things I have read (especially total loss/theft) is trying to get them to PAY you for the loss. :no:

Insurance

bajaguy - 12-13-2010 at 10:17 AM

bajabound.com

grace59 - 12-13-2010 at 11:13 AM

Quote:

Originally posted by David K
You can get an annual policy for that much... You need full coverage if there are lien holders or if you want repairs made to your vehicle's damage.

Have you gotten quotes from the top three Baja Nomad sources for insurance (BajaBound.com, DiscoverBaja.com, and Lewis & Lewis at mexicanautoinsurance.com) ?

An annual policy is about the same price as 2 weeks of daily policy coverage... and it is good for a year of Baja vacations!

[Edited on 12-13-2010 by David K]

Is the annual policy full coverage? I was going to ask this same question as I am taking my 2008 FJ Cruiser down for 2 weeks at the end of this week. I certainly want full coverage to cover any damage to my rig in an accident or if it is stolen.

DENNIS - 12-13-2010 at 11:18 AM

Quote:

Originally posted by grace59
Is the annual policy full coverage? I was going to ask this same question as I am taking my 2008 FJ Cruiser down for 2 weeks at the end of this week. I certainly want full coverage to cover any damage to my rig in an accident or if it is stolen.

Grace....Here's a link for Bajabound. Ask the horses mouth, Geoff. You won't be comfortable with second hand info.

http://www.bajabound.com/

oladulce - 12-13-2010 at 12:01 PM

This year I tried something new to get group insurance rates and joined a club called "The Baja Good Life Club". I don't need the other club features, but you can get BajaBound insurance at Group rates after paying $35 club membership and I got excellent service from the BajaBound staff via email.

I don't know if this has been mentioned on Nomad yet but I'm surprised it hasn't come up more often.

I've been wanting to use BajaBound, but last year for example the insurance would have been $150-170 dollars more than Discover Baja for the annual policy because BB couldn't offer group rates.

I can't tell you exactly how much I saved this year by going with this new club and BajaBound (the same company I had with Discover Baja, HDI seguros) because our coverage changed a little and I paid more for a "Resident" policy this year. But i paid less than last year for the same level of coverage . They are so great at BajaBound I'm happy they can offer group rates now. The rate I got is definitely cheaper than if you go straight to the BajaBound website, and you save even after paying for the club membership.

On the club website it says you have to join to get an insurance quote, but I sent them an email and asked for a quote before joining and they were able to accommodate me.

http://www.bajagoodlifeclub.com/MemberDiscounts/MexicanAutoI...

Barry A. - 12-13-2010 at 12:16 PM

Quote:

Originally posted by mtgoat666

Quote:

Originally posted by socalrat
Full coverage or just liability?

I am with the Goat on this one. "risk" is your personal decision. Me, I have always just purchased the Liability Policy in Mex.------I have never had a serious auto accident in my life, and never lost anything, so that certainly influences my decision. You may be different. I long ago made the decision that I could just "walk away" from any losses in Baja, but I certainly want to cover the 'other guy', and that is what the law requires, quite properly. In the States, I have what is required by law, but huge deductables, so my insurance is cheap, and I except the 'risk' as a calculation. But I also carry a 1-million dollar liability policy, separate from all other insurance, and that covers me if the unthinkable should happen. That policy costs me about $220 a year, with STATE FARM, and it partially covers me in northern Mexico.

Insurance is such a personal decision, except you HAVE to cover others, both in your vehicle and outside it. My blanket Liability policy does that.

Barry

Martyman - 12-13-2010 at 12:39 PM

Liability. Just in case you can't ditch out and get across the border. You probably won't collect on either.

woody with a view - 12-13-2010 at 07:09 PM

Quote:

Originally posted by MitchMan
Woody, are you absolutely, positively, unequivocably sure about that to the exclusion of any other possibility? Does the policy say "theft" is covered expressly?

without going out to the truck, yes, but let's think this thru. what is the difference to you or the company if your rig is "totaled or stolen"? either way you are out the entire rig. i see zero difference other than the time they wait to see if it turns up.

what am i missing when i read "full coverage"? :?:

socalrat - 12-13-2010 at 09:33 PM

Quote:

Originally posted by Diver

Quote:

Originally posted by socalrat
2007 FJ Cruiser an a 19ft Airstream.

Do you have full coverage at home ?
So you don't care as much about the value of your rig in Baja ?
I don't understand .....
Get full coverage for whatever value you choose.

No, I care a lot about my rig down there. But the reality is that we will be either sitting 25 feet away from the FJ about 90% of the time. Campsite has 24-hour security and we have a dog leashed up outside at night. Considered just pulling the fuel pump relay out whenever the truck is sitting.

But have already decided to get full coverage on both the FJ Cruiser and the Airstream. 99.99% sure we won't collect, but if something WERE to go wrong, a $1 (or so) a day isn't all that much to make sure we can recover.

socalrat - 12-13-2010 at 09:35 PM

Quote:

David,
Annual policies (over $40K in coverage) are about $550. Decided on a 30 day policy from Lewis and Lewis, which is still over $300.

Thanks for everyone's help. Lewis and Lewis was a good call.

David K - 12-14-2010 at 09:29 AM

Quote:

Originally posted by socalrat

Quote:

David,
Annual policies (over $40K in coverage) are about $550. Decided on a 30 day policy from Lewis and Lewis, which is still over $300.

Thanks for everyone's help. Lewis and Lewis was a good call.

I guess if you are not taking more than one trip a year, then see what is the best deal. My $32,000 Tacoma, full coverage with legal aid and can be repaired in the U.S., is under $300 for a year's worth of vacations.

bajaguy - 12-14-2010 at 10:18 AM

Quote:

Originally posted by David K

..............and can be repaired in the U.S............

One reason why I use Bajabound....and I can ALWAYS talk to Geoff!!!!! :lol:

DENNIS - 12-14-2010 at 10:25 AM

Quote:

Originally posted by David K
under $300 for a year's worth of vacations.

How many days of coverage for 300 bucks?? "A year's worth of vacations" is misleading.

SENTRI

bajaguy - 12-14-2010 at 10:29 AM

Bajabound also has a discount on annual policies for SENTRI members