BajaNomad - Mexican Auto Insurance - 6 months?

Mexican Auto Insurance - 6 months?

Scottjkdal - 11-9-2012 at 06:21 AM

Is there a current list of recommended insurance companies for 6-12 month policies. I'm looking for a reputable company, not the cheapest legal insurance.

I only need insurance from December to March.

Thanks

Scott

UHHH ??

captkw - 11-9-2012 at 06:32 AM

What are you looking for ?? inshure for ?

Uhhhh

Scottjkdal - 11-9-2012 at 06:38 AM

Uhhhh... Subject line... Mexican Auto Insurance

KASHEYDOG - 11-9-2012 at 06:45 AM

[Edited on 11-9-12 by KASHEYDOG]

Wow

Scottjkdal - 11-9-2012 at 06:48 AM

I guess I shouldn't be surprised by the snarky comments. Just because someone advertises on a website doesnt mean they are the best choice. But thanks for pointing out the advertisement.

UUHHHH!!

captkw - 11-9-2012 at 06:51 AM

HOUSE,car,boat intransit..full time in mex A hell of a lot of options !!! :tumble:

Coffee

Scottjkdal - 11-9-2012 at 06:57 AM

Someone needs some more coffee. Mexican Auto Insurance = I need Mexican Automobile Insurance.

Scottjkdal - 11-9-2012 at 07:02 AM

Are there any companies that offer full coverage for vehicles older than 15 years? I'm driving a 1985 Volkswagen Westfalia with a market value of about 20,000 US Dollars.

[Edited on 11-9-2012 by Scottjkdal]

KASHEYDOG - 11-9-2012 at 07:07 AM

NEVER MIND.....
I tried to help. Sorry you thought I'm "snarky". So I've deleted my "snarky" web sites above.

F.Y.I. "NEWBIE".....Many of us on this web site use Baja Bound Ins. They've also been personally screened by Doug Means " Baja Nomad " himself.

B.T.W Scottjkdal
Welcome to Baja Nomad............

Scottjkdal - 11-9-2012 at 07:12 AM

Actually it was the 'snarky' emoticons implying the obvious advertisement. :saint:

Thanks for the welcome.

KASHEYDOG - 11-9-2012 at 07:16 AM

[

[Edited on 11-9-12 by KASHEYDOG]

Seriously

Scottjkdal - 11-9-2012 at 07:25 AM

Maybe you should head over to the following sites to increase your market knowledge.

GoWesty

The Samba

Now add a brand new Subaru EJ25 engine conversion.

So again thanks for your input. It has been very helpful. :bounce:

Scottjkdal - 11-9-2012 at 08:07 AM

KasheyDog... why do you keep deleting your posts? :?:

rhintransit - 11-9-2012 at 08:33 AM

Quote:

Originally posted by Scottjkdal
Are there any companies that offer full coverage for vehicles older than 15 years? I'm driving a 1985 Volkswagen Westfalia with a market value of about 20,000 US Dollars.

[Edited on 11-9-2012 by Scottjkdal]

I have used Lewis and Lewis for years, mostly to protect myself if I caused an accident or were accused of being in the wrong. I did total a car on Hwy 1 once (claims person in the town I was near spoke no English but was prompt, efficient, and we managed. forunately I walked away, which was good. I got maybe $25 for $200 worth of clinic check up but I didn't argue about that) I did eventually get paid what my USA State Farm company said they would have paid BUT it took a lot of wrangling. first they offered a low ball amount, much less than the insured value and NOT Kelly Blue Book but an amalgam of three or four valuation sites most of which I had never heard of. then they disputed the odometer reading (which proved the light use) saying I must have turned it back. fortunately I had taken photos in and out, including the odometer, with dates, about three months before the accident.
so...you can put whatever value you want on the vehicle, but you will be paid what they determine it was worth. so..caution and ask tons of questions and get stuff in writing and take photos!
I still use L&L, mostly because I'm too lazy to change and am hoping that lightening doesn't strike twice...

Scottjkdal - 11-9-2012 at 08:34 AM

soulpatch & rhintransit... thank you for the first truly informative and friendly response. It is greatly appreciated!

[Edited on 11-9-2012 by Scottjkdal]

David K - 11-9-2012 at 08:56 AM

I have had annual policies purchased from Discover Baja Travel Club and BajaBound.com over the years. They both use the same insurance company, so compare prices. They are also both members here, but Discover Baja rarely posts and BajaGeoff of BajaBound.com posts often. BajaBound.com also supports this web site... So check them both out. Discover Baja offers a membership discount, so you do need to join their club. BajaBound provides discounts to members of the Baja Good life Club. Both can provide online quotes, so just go to their web sites...

http://discoverbaja.com and http://bajabound.com

MitchMan - 11-9-2012 at 10:32 AM

I got Qualitas insurance for the year for under $200 USD on my 98 4x4 4 cyl Tacoma that included full coverage, even theft. Got it from an insurance agency in La Paz.

I hope Qualitas is a good company insuring company, don't really know for sure.

Go BajaBound

bajaguy - 11-9-2012 at 11:18 AM

Geoff and his crew are great to work with and you can always talk to a "real" person. Been with them for about 8 years now, and anytime I have a question, Geoff is there with the answer!!

castaway$ - 11-9-2012 at 11:26 AM

I have been buying mine through Lewis & Lewis, I have had my US auto insurance agent review several and he told there coverage is extensive and better than others i had shown him, not quite the cheapest but real close.

Scottjkdal - 11-9-2012 at 11:34 AM

Just got off the phone with Lewis & Lewis and they told me if I got an appraisal they would insure it for the amount of the appraisal.

rhintransit - 11-9-2012 at 11:34 AM

Quote:

Originally posted by MitchMan
I got Qualitas insurance for the year for under $200 USD on my 98 4x4 4 cyl Tacoma that included full coverage, even theft. Got it from an insurance agency in La Paz.

I hope Qualitas is a good company insuring company, don't really know for sure.

Qualitas is the company that Lewis and Lewis (an American broker) uses...see my previous post on this thread
and check your u2u...see the little box in the upper right hand corner re messages

[Edited on 11-9-2012 by rhintransit]

sancho - 11-9-2012 at 12:04 PM

Quote:

Originally posted by Scottjkdal
Just got off the phone with Lewis & Lewis and they told me if I got an appraisal they would insure it for the amount of the appraisal.

I was wondering about the $ for the VW, they generally
go by mid blue book, in your case I don't think that
would be as much as you quote. I've bounced around
with different Mex Ins Brokers/Co's., I got scared off
of Lewis& Lewis, Mex Ins Co. Qualitis, not from any
persoanl experience, just what has been posted here.
The Mex Ins Co, in my opinion, is far more important
than the US Broker, if you have to deal with an incident.
For the libility portion, I would never have the minimum
$50k, at least 100K. I've seen positive posts re:
HDI and Ace Mex Ins Cos, not trying to sell you on
any US Broker that advertises here

https://www.vagabundos.com/mexinsur.htm

mcfez - 11-9-2012 at 12:30 PM

Been going here "forever". I actually called their office and talked to a human that was working from California!

Great service. Great help. Great prices.

We get everything done on line there.......fishing licenses too.

BTW. I copy everything including legal travel docs to a email account....should I misplace anything......and need it in Mexico ASAP.

Scottjkdal - 11-9-2012 at 01:05 PM

Thanks for all the great information. I was in for a bit of a 'bumpy ride' at first this morning. Glad to see a friendly forum environment.

Scottjkdal - 11-9-2012 at 03:08 PM

Vagabundos = liability only

Baja Bound = Full coverage but still working on value

Lewis & Lewis = Legitimate appraisal needed, insured to value

mcfez - 11-9-2012 at 03:14 PM

Quote:

Originally posted by Scottjkdal
Thanks for all the great information. I was in for a bit of a 'bumpy ride' at first this morning. Glad to see a friendly forum environment.

Where?

Scottjkdal - 11-9-2012 at 03:50 PM

Looks like Baja Bound came through. Their underwriter HDI Seguros will insure the van for stated value but in the event of a total loss their appraisers in the USA will have to determine the value of the van but will take in to account any receipts I have as well as market appraisels.

At least the NADA has this van high retail at $10,300. It's at least a starting point.

Scottjkdal - 11-9-2012 at 04:27 PM

Here is a recommendation from an appraiser that I think is brilliant.

Take the paper appraisal and photos of whatever it is you are insuring and put them in a sealed envelope. Mail it to yourself and in the event you have a total loss claim at some point you have dated and sealed evidence as proof of value and condition.

Another Big Thumbs Up for Bajabound

TecateRay - 11-9-2012 at 04:34 PM

Quote:

Originally posted by bajaguy
Geoff and his crew are great to work with and you can always talk to a "real" person. Been with them for about 8 years now, and anytime I have a question, Geoff is there with the answer!!

These guys are not only there when you buy your policy - they are than when you have an accident and need to coordinate between the Mexican Insurance Company, their Mexican and US adjusters and then really fight for you to help resolve disputes.

Bottom line? I WILL ALWAYS BUY MY MEXICAN INSURANCE from BAJABOUND!!!!

P.S. They are really nice people as well :yes:

Alm - 11-9-2012 at 06:05 PM

Quote:

Originally posted by David K
I have had annual policies purchased from Discover Baja Travel Club and BajaBound.com over the years. They both use the same insurance company, so compare prices.

Could you please clarify about "same insurance company". Both websites show a list of policies from a number of companies - Ace, HDI etc.

Discoverbaja website is strange, btw. After a lot of questions - vehicle type, value, trip date etc etc, it shows a few policies .... without price quote. They do offer a cheap annual liability insurance - cheap after you've bought the Discoverbaja membership, so the difference from Bajabound eventually is not significant.

As to those remarks at the beginning of the tread... IMO, that kind of response was to be expected, given the form and content of the question. What was to be insured - car, trailer, car with trailer, motorhome? What coverage? Or it doesn't matter as long as the company is "reputable"

?

Edit - PS: things like Westy should have been disclosed from the moment one. Normally, 1985 van is worth nothing. Your van, however, is a collectible, it's a different creature. Not all the insurers will suit you, and it's not about "reputability" either. Just a non-standard situation.

[Edited on 11-10-2012 by Alm]

Scottjkdal - 11-9-2012 at 06:58 PM

I asked if there was a list of recommended insurers available for Mexican auto insurance, nothing more. This isn't my first forum rodeo by any means. So no, I do not believe the type of responses I received this morning were warranted but as with everyone, Alm you are entitled to your opinion.

This is the 'Baja Questions & Answers' thread. I asked a simple question as to whether there was a current list of recommended auto insurers, not where to find complete coverage for my seemingly overpriced Westfalia according to the 43 year used car veteran, or information on type of coverage available. I simply asked for a list of insurers so I could do my own due diligence.

Maybe the energy of the thread got diluted because the snarky poster kept deleting his posts after I would reply. Fire at me... I fire back. I don't like disrespectful people.

baron - 11-9-2012 at 07:11 PM

yeah...... you right

David K - 11-9-2012 at 07:31 PM

Alm, the Mex. insurance conpany is HDI Seguros and the agents are either BajaBound or Discover Baja. Sorry I didn't clarify these bits of data before!

85 westy worth 20K ???

captkw - 11-9-2012 at 10:39 PM

I d take the 20K In a nano second !!!

Alm - 11-10-2012 at 01:35 AM

Quote:

Originally posted by Scottjkdal
I asked if there was a list of recommended insurers available for Mexican auto insurance,

Short and not too polite answer would be: "No".

To a different - more clear - kind of question one could receive a different - more informative - kind of answer. Nobody was "firing" at you, it was more like stepping on a rake. Shoot it if this makes you feel better

...

Back to the question - again, there is no "list". There are few Mex companies doing this, not too many. And there are - fewer yet - US brokers for those Mex companies. Again, not much in the way of "recommended" - as you have probably realized already. Personally, I agree with one of the posters that US broker doesn't matter much.

[Edited on 11-10-2012 by Alm]

Alm - 11-10-2012 at 01:56 AM

Quote:

Originally posted by captkw
I d take the 20K In a nano second !!!

I wouldn't buy it for 20K, though it does sell for that much or more, depending on condition and other details. It's not just a collectible, it's a "cult" car. Symbol of long gone hippy era. Pragmatic Krauts stopped making it decades ago. They did make a modern version with front water-cooled engine, but it wasn't that popular - didn't look like those old vans.

more important than insurance !!

captkw - 11-10-2012 at 02:07 AM

SCOTTAJDAL,,BTW welcome to nomads !! question 1. do you have any experience driving in baja ?? Myself dont look at insurance as a car saver,,just keeps you legel and I have drove a Nice RV with a nice boat thur baja !! my point is to learn how to stay out of an accedents in the first place and have you car/truck/rv/bus road warrior ready ,... . just a saying..me & the wife counted 12 burned up VW transporters between TJ and cabo a fewyears back..K&T :cool:

............ ps..I kept my tounge!!!

Scottjkdal - 11-10-2012 at 04:24 AM

Yes... Been driving in Baja on and off for 12 years but only in rental cars and not from USA border to La Paz as we will be doing in November.

As far as burned up Westfalias and VW Buses go... The primary problem is rotted fuel lines and a worn out plastic fuel firewall fitting that snaps and spews fuel at 120psi all over the hot engine and exhaust. We have an active thread on The Samba listing current information on burned up and crashed vans. Jimmy Buffet just last year lost his 100k hard top Syncro Westfalia due to the barn it was stored in burning down. Sad!

My van is essentially new inside and out including a brand new Subaru EJ25 2.5l SOHC engine dyno'd at 185hp. So 20k may seem absurd to some but in actuality to properly build out and restore one of these vans with quality parts, not Chinese aftermarket garbage, costs a lot of money. I own it to use it.

If you are bored you should check out EBAY and look at the how much the air cooled 60's and 70's vans are selling for, especially the pre 68 split windows.

BajaBound just hooked up another The Samba member with a fully covered policy for 25k for his Syncro Weekender.

This thread has run its course... Might be time to lock it or even burn it down.

Hola,,good morn!!

captkw - 11-10-2012 at 05:07 AM

What the Hell are you doing awake this time of the morn ??? BTW I know nothing bout nothing lest the Fact that Cly 3 burned the EX valve and the insulation on the wire loom was /is A major problem with rear mounted motors !! myself have been having a BAD sleeping problem !! usally Im waking up at this time of day...K&T.... :cool:

...PS..Just so you get a small pic...my northern home is santa cruz ca... seen maybe 1 or 2 VW'S...But,,,, I give ya credit !! BTW..a jetta or passet diesel motor is a good switch if ya going globe trek !! I work at 711....want a free dounut !!!! K&T...oops,,just reread your last post !! 120 psi ??? your........... :?:

[Edited on 11-10-2012 by captkw]

[Edited on 11-10-2012 by captkw]

[Edited on 11-10-2012 by captkw]

[Edited on 11-10-2012 by captkw]

[Edited on 11-10-2012 by captkw]

Scottjkdal - 11-10-2012 at 07:24 AM

I'd love to have a diesel in my van but it would be this one...

Subaru Boxer Diesel

Fuel pressure can get nutty in a Vanagon

"Fuel pressure regulator - Very uncommon but we have run into this one a couple of times. A blown fuel pressure regulator will result in the fuel pressure jumping from in the 40 lbs of pressure range to 100+ lbs of pressure. Van will run extremely rich. Tested with a fuel pressure gauge connected off the fuel line T near the oil breather tower".