DawnPatrol
Nomad
Posts: 357
Registered: 11-19-2013
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Any Problems Insuring a Polaris Ranger in Baja?
Want to start doing some remote surf fishing and off -roading in some Polaris' we have purchased...
I normally get my vehicle Insurance through Discover Baja.
I will call them but does anyone here have any comments or recommendations for insuring a Polaris?
Thanks in advance
Alan from SD
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TMW
Select Nomad
Posts: 10659
Registered: 9-1-2003
Location: Bakersfield, CA
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Sorry, I don't know as I have never insured a MC or ATV for Baja or anywhere. But since the cost of a side by side can be pretty high I understand why
they should be. For sure call Discover Baja and let us know what they say.
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bajaguy
Elite Nomad
Posts: 9247
Registered: 9-16-2003
Location: Carson City, NV/Ensenada - Baja Country Club
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Mood: must be 5 O'clock somewhere in Baja
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Or
Contact Geoff at Bajabound
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alacran
Nomad
Posts: 316
Registered: 9-22-2011
Location: Mulege
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I have tried to insure a Yamaha 2012 (new) quad, all that was available was liability insurance.
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BajaGeoff
Super Nomad
Posts: 1727
Registered: 1-11-2006
Location: San Diego and Campo Lopez
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Mood: Heading To Baja!!!
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Hello Alan,
Non-street legal/non-plated vehicles like quads, dirtbikes and ATV's can only be insured for liability when they are being ridden down in Mexico, and
coverage only applies when they are driven on a municipal roads. (Note: dirt roads are considered municipal roads so long as they are a main
thoroughfare and are maintained from time to time....like the road from Gonzaga to Chapala Junction.)
However, you can usually insure quads, dirtbikes and ATV's for damage/theft coverage when they are being towed in/out of Mexico and while stored on
the primary vehicle/trailer so long as they are valued over $3,000 US. As an example, my non-street legal Honda 450X is insured as a towed item on my
Toyota 4Runner. When it comes off the Toyota, it has a liability-only policy that covers me when I am riding on municipal roads.
Hope this helps!
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DawnPatrol
Nomad
Posts: 357
Registered: 11-19-2013
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| Quote: | Originally posted by BajaGeoff
Hello Alan,
Non-street legal/non-plated vehicles like quads, dirtbikes and ATV's can only be insured for liability when they are being ridden down in Mexico, and
coverage only applies when they are driven on a municipal roads. (Note: dirt roads are considered municipal roads so long as they are a main
thoroughfare and are maintained from time to time....like the road from Gonzaga to Chapala Junction.)
However, you can usually insure quads, dirtbikes and ATV's for damage/theft coverage when they are being towed in/out of Mexico and while stored on
the primary vehicle/trailer so long as they are valued over $3,000 US. As an example, my non-street legal Honda 450X is insured as a towed item on my
Toyota 4Runner. When it comes off the Toyota, it has a liability-only policy that covers me when I am riding on municipal roads.
Hope this helps! |
Hey thanks a lot! I will check this out... So as long as I put the ATV back on the trailer after use at the end of the day it would be covered for
physical damage?
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BajaGeoff
Super Nomad
Posts: 1727
Registered: 1-11-2006
Location: San Diego and Campo Lopez
Member Is Offline
Mood: Heading To Baja!!!
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Yes...physical damage and theft coverage do apply when the ATV is being stored/towed on the trailer. Just make sure the ATV is listed as a towed item
with full coverage on the primary vehicle insurance policy.
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