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Tommy A
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[*] posted on 2-12-2025 at 03:14 PM
Baja car insurance question


Looking for recommendations for car insurance while in Baja, would like to get comments from people who have had to file a claim and hear how it went.
Thx

[Edited on 2-12-2025 by Tommy A]
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bajatrailrider
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[*] posted on 2-12-2025 at 03:20 PM


Breines mex Ins low cost paid out 10 grand fix my Toyota
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David K
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[*] posted on 2-12-2025 at 03:28 PM


I think we are best to have the insurance in force before entering Mexico... The friend of Baja Nomad Forums and whose owner is member here would be www.bajabound.com the oldest online Mexican auto insurance business selling the top-rated brands, and you can get the repairs made in the USA, if you prefer.



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Tommy A
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[*] posted on 2-12-2025 at 03:58 PM


Quote: Originally posted by bajatrailrider  
Breines mex Ins low cost paid out 10 grand fix my Toyota


Is that the correct spelling?
Thx
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bajatrailrider
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[*] posted on 2-12-2025 at 05:16 PM


sorry my bad BERNIES MEXICAN INS Rosarito . Yes you can buy it from USA
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BoenBaja
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[*] posted on 2-13-2025 at 08:49 AM


Been buying my Mexican insurance through the Vagabubdos del Mar for longer than I wish to remember! Had 2 incidents which were handled quickly and professionally. Very satisfied with the results.
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[*] posted on 2-13-2025 at 09:00 AM


We used the Baja Bound site to get insurance before we entered Mexico, had our truck damaged by another driver, filed a claim in San Felipe, and had it repaired in La Paz after we arrived. Everything went very well, including a rental for up to 20 days (we only used it for 11 days) supplied by the insurer while the truck was being repaired. Sorry, but I can't remember the actual insurers name, may have been Chubb.



A century later and it's still just as applicable: Desiderata: http://mwkworks.com/desiderata.html
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David K
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[*] posted on 2-13-2025 at 04:19 PM


Chubb and HDI are the two.



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[*] posted on 2-13-2025 at 06:11 PM


Dont know what others charge now I only have Lability ins. As all old trucks cars if I remember 120.00 a year. Any us plated car or truck two driver lic. So 60 bucks a year other person on policy pays 60 bucks
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[*] posted on 2-13-2025 at 06:39 PM


Check ride Baja, very good service and prices.
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[*] posted on 2-13-2025 at 07:10 PM


depending how many trips you make a year you'll find you might be better off buying a yearly policy from a Mexican broker...both Bernies or MyBaja are good choices.
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David K
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[*] posted on 2-14-2025 at 11:57 AM


Quote: Originally posted by stillnbaja  
depending how many trips you make a year you'll find you might be better off buying a yearly policy from a Mexican broker...both Bernies or MyBaja are good choices.


Baja Bound, Discover Baja, and Ride Baja all sell Mexican company insurance (HDI, Chubb) and have 6 month and 12 month policies... which indeed are far cheaper than daily policies if you travel more than 3 weeks a year, in Mexico.

They all can give you free online quotes to compare. Discover Baja is a travel club, so discounted rates but you must join the club.




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bajatrailrider
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[*] posted on 2-14-2025 at 01:59 PM


David I got quotes from them few years back Twice the $ I pay. Maybe now different?
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David K
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[*] posted on 2-14-2025 at 05:13 PM


Quote: Originally posted by bajatrailrider  
David I got quotes from them few years back Twice the $ I pay. Maybe now different?


I am speaking about Full coverage, not only liability. Again, who wants the cheapest if you staying out of jail depends on the adjuster or the provided legal aid showing up... lol

Anyway, just go online now and compare.




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bajatrailrider
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[*] posted on 2-14-2025 at 06:04 PM


I have legal aid ? something you dont know David INs.or not . Guy jumps off bridge you hit him . You go to jail no matter INS. till they figure it out. My Toyota had full coverage 350.00 a year
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