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CasaManzana
Nomad
Posts: 398
Registered: 7-4-2004
Location: Was Mulege:Posada Beach/now Zihuatanejo
Member Is Offline
Mood: Naykid
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Car and boat insurance help needed for us full-timers- who can you recommend or NOT recommend...
Who has had experience with claims...especially for towing boat accident claims ( ain't nottin gunna happen to me on the water...jus the darn road ).
What have you heard...or better yet...what do you know for sure about insurance in Baja. This Mexican insurance thing seems like a can of termites to
me.....
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Bruce R Leech
Elite Nomad
Posts: 6796
Registered: 9-20-2004
Location: Ensenada formerly Mulege
Member Is Offline
Mood: A lot cooler than Mulege
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as a full timer you might want to import your things and then you can deal with our local agents this is what I have done and it works good for me.
or you might try researching some of the on line companies. they have good rates and it is easy to buy. sorry I cant recommend one I'M not to Happy
with the one I have worked with.
Bruce R Leech
Ensenada
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losfrailes
Senior Nomad
Posts: 577
Registered: 11-16-2004
Location: Ejido San Lucas near Santa Rosalia
Member Is Offline
Mood: Good!
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Different strokes for different folks!!!!!!!!!!!!!!
As long as you retain your vehicle registration in the states you can get excellent insurance coverage thru Lewis & Lewis, located in Beverly
Hills, CA. info@mexicanautoinsurance.com
They underwrite for Qualitas, Compania de Seguros, S.A. de C.V. and offer a package of complete coverage in all of Baja and a good share of the
mainland for reasonable rates. I.E., my 99 Suburban, full coverage at $14.999 value costs $220 per year. My boats are not insured.
Qualitas has been johnny on the spot for the one time when a suicide bent cow ran into the front of the suburban, created close to $6000 US damage.
The deductible was $500 US.
[Edited on 7-4-2006 by losfrailes]
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Al G
Ultra Nomad
Posts: 2647
Registered: 12-19-2004
Location: Todos Santos/Full time for now...
Member Is Offline
Mood: Wondering what is next???
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MEXICAN INSURANCE
Club Vagabundos del Mar provides to its members low-cost Mexican automobile and RV insurance (including trailers and trailer boats while on the
highway), and boat liability insurance while on the water. For convenience and one-stop service members can purchase their insurance directly from
Club Headquarters.
Motorhome policies covering U.S., Canada and all of Mexico; and Marine insurance policies covering U.S., Canada and most of western Mexico are also
available at competitive rates. For both, the Mexican coverage is offered at no extra charge. Call now for a FREE quote on your boat or motorhome.
For current information on limits of coverage and rates, call HQVDM at (800) 47-4-BAJA.
http://www.vagabundos.com/insur.htm
I do not use them yet, but will when my current Good Sams expires.
Albert G
Remember, if you haven\'t got a smile on your face and laughter in your heart, then you are just a sour old fart!....
The most precious thing we have is life, yet it has absolutely no trade-in value.
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David K
Honored Nomad
Posts: 64857
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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Two more agents not yet mentioned are Discover Baja Travel Club (for members, like Vags) and the supporter of this web site, BajaBound.com (see ad
banner at the top of the pages here).
I have utilized both of them and recieved good customer service from both... although I have never had an accident or claim in the 32 years I have
been driving in Baja.
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losfrailes
Senior Nomad
Posts: 577
Registered: 11-16-2004
Location: Ejido San Lucas near Santa Rosalia
Member Is Offline
Mood: Good!
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A note to consider with Vagabundos del Mar.
In the past they would not cover someone who had their car registered up north but was living full time here. Their available coverage was strictly
for travelers while in Mexico.
This policy might have changed.
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Al G
Ultra Nomad
Posts: 2647
Registered: 12-19-2004
Location: Todos Santos/Full time for now...
Member Is Offline
Mood: Wondering what is next???
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| Quote: | Originally posted by losfrailes
A note to consider with Vagabundos del Mar.
In the past they would not cover someone who had their car registered up north but was living full time here. Their available coverage was strictly
for travelers while in Mexico.
This policy might have changed. |
I will call the Vags and find out. I am not living there yet so didn't ask
Albert G
Remember, if you haven\'t got a smile on your face and laughter in your heart, then you are just a sour old fart!....
The most precious thing we have is life, yet it has absolutely no trade-in value.
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Al G
Ultra Nomad
Posts: 2647
Registered: 12-19-2004
Location: Todos Santos/Full time for now...
Member Is Offline
Mood: Wondering what is next???
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Brain no worky
Forgot it was the 4th. I left a message and will post when I hear from them. also I will check out our site sponsor as David suggested. Thanks David!
Albert G
Remember, if you haven\'t got a smile on your face and laughter in your heart, then you are just a sour old fart!....
The most precious thing we have is life, yet it has absolutely no trade-in value.
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Bedman
Senior Nomad
Posts: 523
Registered: 9-4-2002
Location: Orange County, CA.
Member Is Offline
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I've used Lewis and Lewis for 7 years straight. Never had an accident (knock, knock, knockin on wood) but, I do know people who have abd they have
been extremely satisfied.
Just received my Re-New in the mail 2 days ago.
Let me make this perfectly clear. I am not an insurance salesman, never have been, no nothing about the insurance business. I am not, in any way shape
or form afilliated with any insurance company and have a difficult enough time just filling out a Sushi order.
Here's a few highlights from my policy and some of the reasons I decided to cover my 34 foot motorhome and the 4 X 4 we tow behind with them.
$200,000.00 CSL.
$25,000.00 medical.
$75,000.00 legal services.
Increase Liability to $300,000.00 for an additional $48.00.
$30,000.00 Uninsured motorist coverage for an additional $18.00.
$30,000.00 to $35,000.00 vehicle cost is $300 per year.
Call around and ask if the other places offer the same coverage for the same $$.
BEDMAN
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bajajudy
Elite Nomad
Posts: 6886
Registered: 10-4-2004
Location: San Jose del Cabo,BCS
Member Is Offline
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Something else to check on is: Some of these companies require that you carry US insurance as well to complete your coverage. To keep your vehicle
registered in CA you must show proof of insurance anyway. Once they accepted my Mex Ins but the next time they didnt. I think that the first time,
was a mistake
I just used Qualitas for a tow job and they were very helpful.
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David K
Honored Nomad
Posts: 64857
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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Tourist policies and resident policies are different!
An 'annual' policy like what I have with Discover Baja has a limited number of days it is good for in Mexico... Of course there is no way they know
how many days you are south of the border, the point is they are not for people living in Mexico.
There are policies for residents, so don't worry!
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Al G
Ultra Nomad
Posts: 2647
Registered: 12-19-2004
Location: Todos Santos/Full time for now...
Member Is Offline
Mood: Wondering what is next???
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Returned call from Vagabundos stated if your vehicle is registered in USA you can live in Baja. I was directed to the forms page. After I read it, it
did not agree with what I was told.
http://www.vagabundos.com/PDF%20Forms/NON-TOURIST%20Applicat...
I will not be using The Vags insurance.
I am now looking again for a single policy for coverage in US and Baja.
Albert G
Remember, if you haven\'t got a smile on your face and laughter in your heart, then you are just a sour old fart!....
The most precious thing we have is life, yet it has absolutely no trade-in value.
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losfrailes
Senior Nomad
Posts: 577
Registered: 11-16-2004
Location: Ejido San Lucas near Santa Rosalia
Member Is Offline
Mood: Good!
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Seems like a lot of unnecessary confusion on this issue.
Lewis & Lewis underwrites for Qualitas who does not put a restriction on the time in this country. If you have US registration you can live here
year round, with an underwriter that is very attentive and who represents a company that has an excellent reputation.
Should you have a problem, as some of us do at times, they have adjustors all up and down the peninsula.
They offer not only full coverage for your auto, but also for boat, uninsured motorists, $300,000 Liability Limit, Safe Trip Road Service plus offer a
business use option.
I am not an agent for either of the companies involved, however, at one time I was insured by the company that the Vags recommended. It went belly up
and they had to try to get another. At that time I found that the cost of a policy went from about 300 bucks/annum to over 900 bucks/annum if I lived
in Mexico full time. I decided to look elsewhere! Found Lewis and Lewis by referral and have been insured thru them, with the same Mexican company,
for 9 years now.
You can contact Lewis and Lewis at (310) 657-1112 and get all the answers directly, in english, or contact Qualitas at 01-800-004-9600 and ask for an
english speaking person.
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Al G
Ultra Nomad
Posts: 2647
Registered: 12-19-2004
Location: Todos Santos/Full time for now...
Member Is Offline
Mood: Wondering what is next???
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Bedman,
Is this US coverage too?
If I read this correctly $366 for 6 months? I assume.
Is there an URL?
I may be dreaming, but I am wishing for what I have with Good Sam (GMAC) That is full coverage, including home owners for my Motorhome, jeep, scooter
and boat.
Albert G
Remember, if you haven\'t got a smile on your face and laughter in your heart, then you are just a sour old fart!....
The most precious thing we have is life, yet it has absolutely no trade-in value.
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losfrailes
Senior Nomad
Posts: 577
Registered: 11-16-2004
Location: Ejido San Lucas near Santa Rosalia
Member Is Offline
Mood: Good!
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| Quote: | Originally posted by Al G
Bedman,
Is this US coverage too?
If I read this correctly $366 for 6 months? I assume.
Is there an URL?
I may be dreaming, but I am wishing for what I have with Good Sam (GMAC) That is full coverage, including home owners for my Motorhome, jeep, scooter
and boat. |
Al, I don't want to jump all over Bedmans response, but the figures he is quoting are the additional item costs for each thing on insurance down here.
And that $300 is probably for a full year.
My suburban, a 99, is now covered at 14.999 for 220/year full coverage. I did not select any of the optional items since they do not apply to me.
However I am reading them from the quote from Lewis and Lewis.
Drop Lewis and Lewis a line, an email, or a call. They will clear it up for you completely.
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losfrailes
Senior Nomad
Posts: 577
Registered: 11-16-2004
Location: Ejido San Lucas near Santa Rosalia
Member Is Offline
Mood: Good!
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Further, just to make it a little easier, here is the url for Lewis and Lewis.
http://www.mexicanautoinsurance.com/
All your answers are there.
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bajalou
Ultra Nomad
Posts: 4459
Registered: 3-11-2004
Location: South of the broder
Member Is Offline
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I don't think that includes US coverage - sounds like coverage for Mex.
No Bad Days
\"Never argue with an idiot. People watching may not be able to tell the difference\"
\"The trouble with doing nothing is - how do I know when I\'m done?\"
Nomad Baja Interactive map
And in the San Felipe area - check out Valle Chico area |
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losfrailes
Senior Nomad
Posts: 577
Registered: 11-16-2004
Location: Ejido San Lucas near Santa Rosalia
Member Is Offline
Mood: Good!
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| Quote: | Originally posted by bajalou
I don't think that includes US coverage - sounds like coverage for Mex. |
To my knowledge, there are no Insurance Companies that provide coverage both in the US and the entirety of the Baja Penisula and the mainland.
Also I believe the thread was started to find the cost and availability of insurance here in Mexico.
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SiReNiTa
Special Correspondent
Posts: 881
Registered: 5-5-2006
Location: Ensenada, B.C.S.
Member Is Offline
Mood: Savoring life while saving the world!
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Hi everybody this is Shari and Sirena checkin in directly from Ontario, love the trees and lakes and sweet corn on the cob. Looks like Lewis and Lewis
won't work out for us full timers as it clearly states this policy is for tourists and not residents. I want to buy a vehicle in San diego or Tj Or
Ensenada and would like to insure it for baja. So let me know anyone if they find anything...goin sailin now, gotta fly....shari
Live life as well as you can,
don\'t regret the things that once made you smile,
learn from your mistakes,
and thank God for every second he gives you upon this earth.
Visit me at
Http://BajaScents.Scentsy.com.mx
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Al G
Ultra Nomad
Posts: 2647
Registered: 12-19-2004
Location: Todos Santos/Full time for now...
Member Is Offline
Mood: Wondering what is next???
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Car and boat insurance help needed for us full-timers- who can you recommend or NOT recommend...
| Quote: | Originally posted by CasaManzana
Who has had experience with claims...especially for towing boat accident claims ( ain't nottin gunna happen to me on the water...jus the darn road ).
What have you heard...or better yet...what do you know for sure about insurance in Baja. This Mexican insurance thing seems like a can of termites to
me..... |
Sorry losfrailes, but I read it differently. The reference to full timer and insurance in Baja led me to believe he traveled back and forth and
needed insurance for both as I do. I also can see moving to Baja with no return maybe.
I did send an email to Lewis&Lewis explaining my position and will post the reply, but maybe I should do it in a new thread if you want.
Albert G
Remember, if you haven\'t got a smile on your face and laughter in your heart, then you are just a sour old fart!....
The most precious thing we have is life, yet it has absolutely no trade-in value.
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