BajaNomad

SHORT TERM INSURANCE

BAJA.DESERT.RAT - 7-24-2011 at 11:18 PM

hola, going to san quintin to fish for a week crossing on august 6. what is the best way to get auto insurance for such a short time frame ?

i usually buy annual insurance from vagabundos but won't be going this year.

i have been told to just buy insurance at the border. if so, are the insurance brokers open 24/7 ?

i'll also buy my tourist visa at the t.j. border crossing.

i thank you in advance,

BIEN SALUD, DA RAT

tjBill - 7-25-2011 at 02:14 AM

You can also buy online. Try the bajabound link at the top.

Fast. Cheap. Straight up business

mcfez - 7-25-2011 at 06:23 AM

http://www.vagabundos.com/


Get a membership here for 35 bucks (well worth the extras you get).....insurance is good priced. Remember....if you have anything ATTACHED to that rear bumper....it needs to be insured too

I get get a free fish for this help?

Marc - 7-25-2011 at 06:41 AM

Discover Baja club has short term insurance and visas on line. You Gotta join up.
http://www.discoverbaja.com/

[Edited on 7-25-2011 by Marc]

goldhuntress - 7-25-2011 at 07:31 AM

In all the threads about insurance it seems Baja Bound is a good place to buy it if you don't want to join a club. He uses reputable companies, that does matter, believe me. And he has been very helpful to people that have had the unfortunate experience of having to actually file a claim as I have. IMO, stay away from Qualitas which is sold by Lewis and Lewis and many border insurance offices.

Bob and Susan - 7-25-2011 at 07:31 AM

Quote:
Originally posted by mcfez
Remember....if you have anything ATTACHED to that rear bumper....it needs to be insured too


nope
it just has to be on the policy

you DONT have to insure a trailer

Bob and Susan - 7-25-2011 at 07:33 AM

the insurance place at the last turn off is open

its a drive thru

cost is about $10 a day

liability only
lawyer included
and you NEED that

just remember you are buying a mex insurance policy
if you get screwed the american broker will probably not be able to assist

i remember in the past when vags ins went belly up
they just blew off their people
no refunds
nothing

they were lucky no one was hurt during that period
their liability in selling ins is limited

so...the companies are ALL the same
price should be your only concern

[Edited on 7-25-2011 by Bob and Susan]

Bajame - 7-25-2011 at 08:10 AM

Does Costco Insurance have short term? They are so much cheaper!

David K - 7-25-2011 at 08:33 AM

BajaBound.com (top of every page banner) supports THIS website... buy and print your policy before you leave home, all online... no membership needed... for the days you want to be covered... How much easier can it get???

ddawson - 7-25-2011 at 09:20 AM

Quote:
Originally posted by David K
BajaBound.com (top of every page banner) supports THIS website... buy and print your policy before you leave home, all online... no membership needed... for the days you want to be covered... How much easier can it get???


I use bajabound.com also. It is extremely convenient, and makes for one less stop on the way down.

David K - 7-25-2011 at 09:27 AM

BajaBound (and Discover Baja) both sell HDI Seguros and those policies cover charges for repairs made in the USA, as well!

sancho - 7-25-2011 at 11:53 AM

Qualitas, sold by L&L and Costco sure does get hammered
here. Deserved, don't know.
Vags Ins Co did go belly up, but that was some
12 yrs ago. Gotta go with DK, HDI, formerly Genworth
would get my business, I would get the $100,000
liability limit, as a minimum, not the $50,000

[Edited on 7-25-2011 by sancho]

rts551 - 7-25-2011 at 12:24 PM

Quote:
Originally posted by sancho
Qualitas, sold by L&L and Costco sure does get hammered
here. Deserved, don't know.
Vags Ins Co did go belly up, but that was some
12 yrs ago. Gotta go with DK, HDI, formerly Genworth
would get my business, I would get the $100,000
liability limit, as a minimum, not the $50,000

[Edited on 7-25-2011 by sancho]


Would you also try to increase the $2,000/$10,000 limitation on medical expenses?

L&L is 5,000/25000 with 300,000 liability

[Edited on 7-25-2011 by rts551]

sancho - 7-25-2011 at 01:59 PM

I have had the Annual L&L liability before, you are
right, the L&L standard liability CSL is $300,000, for
$125 annual liability that is a heck a lot of coverage.
I contacted one of the SD Mex Ins Brokers about
the recommended coverage, they responded that
in their opinion, $100,000 is adequate, the person
responding said they could not remember a claim
much over the $50,000 limit. But you talk about being in
the wrong place, what IF you took out something big,
and the damage exceeded your coverage, muy malo.
I believe when you increase the liability limit to $100,000
the med coverage you mentioned also goes up.
I've heard both good and not so good on Qualitas/L&L,
when I get another annual, it will not be with Qualitas,
I don't have any real specifics, no first hand experience,
just what I've read

mcfez - 7-25-2011 at 02:09 PM

Quote:
Originally posted by Bob and Susan
Quote:
Originally posted by mcfez
Remember....if you have anything ATTACHED to that rear bumper....it needs to be insured too


nope
it just has to be on the policy

you DONT have to insure a trailer



I stand corrected. Thanks.

BAJA.DESERT.RAT - 7-27-2011 at 11:54 AM

Hola,

i thank everybody for their input and i will go with bajabound when the time comes.

BIEN SALUD, DA RAT