DENNIS
Platinum Nomad
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Location: Punta Banda
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Towed vehicle insurance
I'm assuming everybody buys Mexican insurance for traveling in Mexico. Do you also get a seperate policy for your trailer?
I think you're supposed to.
Has this topic been beaten to death in the past?
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Diver
Ultra Nomad
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Registered: 11-15-2004
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You can add the towed trailer to your Mexico auto policy.
Either through Discover or Lewis, the situation is the same.
We have done this every year.
A towed vehicle (another car) may require a separate policy.
.
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DENNIS
Platinum Nomad
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I'm told different by the insurance rep in Punta Banda but, I have a feeling it has to do with the initial policy. I, and many others, buy the
drivers licence insurance policy. Basic coverage for around $145 per year. With this policy, a seperate trailer policy is required if you want it
insured for around $240 per year. I'm surprised how many people I talk to with drivers license insurance don't know this.
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Diver
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When we buy our anual policy, the car and towed vehicle information is on the same application and gets covered by the same policy. I've never gotten
just the "driver's license" insurance as we always have a US vehicle and either camper, camp trailer and/or boat, with us. If you already have some
kind of policy, it may be more difficult to "add" another item to the policy.
.
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DENNIS
Platinum Nomad
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I see what you mean, Diver .....
The DL policy covers the driver, basically, in any U.S. plated car he drives. One actually has to provide a stateside address to get it. [ I know
I'll soon be hearing of the inconsistancy to this detail ]
It isn't sold to the Mexicans because it's supposed to be for non full time residents.
Anyway, ask your agent about. I'm sure he can explain it better than I'm doing.
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Alan
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I have always heard that if you tow something without it being insured it can make your whole policy null and void. Personally I have never wanted to
test the validity of that claim.
[Edited on 7-18-2007 by Alan]
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David K
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I have an annual, full coverage policy... If I decide to tow ANYTHING, the policy must be ammended because the towed vehicle/ trailer is not included
otherwise... Also, towing something could be the cause of an accident, so towing anything needs to be added to the policy.
A simple phone call or email can take care of the addition... Print out the ammended policy and put it with the other, in your car.
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DENNIS
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David -----
Full coverage on both sides I assume? Ouch. That has to be painful.
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David K
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| Quote: | Originally posted by DENNIS
David -----
Full coverage on both sides I assume? Ouch. That has to be painful. |
Painful? No... Mexican full coverage is about $250 for my $30,000 truck... Northwest Mexico, max. 90 days per year in Mexico (as if they had any way
to actually know)... I am in Baja less than 60 days a year.
Naturally, I have full coverage in California as I live here and the truck is financed... about $100/ month.
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BajaGeoff
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You can either have the trailer listed on the same policy as the primary vehicle or have it insured separately (a "trailer only" policy) if it is
going to be towed by different vehicles. Depending on the value of the trailer, you can get full coverage or simply get just the liability. In some
cases, adding a trailer for just the liability coverage does not increase the premium....it just depends on who the underwriter is.
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Al G
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This is an annual policy with full coverage in all of Mexico...it is a quote for my Motoerhome valued at 20,000 and full timer insurance with same as
home owner. Same policy as Good Sams. It has a trailer value of $7500. I will increase medical payments under Mexico coverage to $5000...but for $722
a year it is very good coverage.
Hope this PDF posts
best deal is I don't switch back and forth or even call them for that matter. I also have a annual driver license policy with Vags (liability)
The policy provides legal representing as does the Vags policy
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
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| Quote: | Originally posted by Al G
This is an annual policy with full coverage in all of Mexico...it is a quote for my Motoerhome valued at 20,000 and full timer insurance with same as
home owner. Same policy as Good Sams. It has a trailer value of $7500. I will increase medical payments under Mexico coverage to $5000...but for $722
a year it is very good coverage.
Hope this PDF posts
best deal is I don't switch back and forth or even call them for that matter. I also have a annual driver license policy with Vags (liability)
The policy provides legal representing as does the Vags policy |
Well it did not post so some limits.
Full timer's personal liability 100,000/300,000
Med Payments 5000/50,000
Loss assessment 5000
Storage shed contents 5000
Trailer used with MoHo 7500 100/deductable
Comp $20,000 250/deductable
Collison $20,000 250/deductable
Mexico coverage
Roadside assist
Fire Dept Service $1000
Emergency expence $750
Liability to others:
Comp 100,000/300,000
Property $50,000 eace accident
Under/uninsured $100,000/300,000
Med payments $5000
Replacement cost personal effects $10,000
Total $723.00
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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bajaguy
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BajaGeoff
what would an estimate be for a trailer only policy for a small 5'x8' (beater) utility trailer???
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CaboRon
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Driver Policy
I am going with the driver liability policy because I can't get full coverage in Mexico without also buying full coverage in the
States .... even if the vehicle never leaves Mexico .... now that is an insurance industry rip CaboRon
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jerry
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be carefull a friend had his moterhome and towed jeep insured full coveraged throu vags for total value of $60,000 it was burglised they took 2 tvs
cb cd player vacume cloths food fishing gear and a bunch of otther stuff about $15,000 worth and he was told sorry but it only covers if the whole
motorhome was stolen so look at the fine print
jerry and judi
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CaboRon
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Partial Theft
| Quote: | Originally posted by jerry
be carefull a friend had his moterhome and towed jeep insured full coveraged throu vags for total value of $60,000 it was burglised they took 2 tvs
cb cd player vacume cloths food fishing gear and a bunch of otther stuff about $15,000 worth and he was told sorry but it only covers if the whole
motorhome was stolen so look at the fine print |
It's not funny but "Partial Theft" is not covered in many policies, buyer beware ..... and yes look at the fine print
......... CaboRon
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Hook
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My experience with the Vagabundos jives with what Baja Geoff says. No real increase to add a trailer to my existing policy for simply liability.
Bajaguy, you need to indicate to Geoff whether you want a liability only quote or a full coverage quote.
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BajaGeoff
Super Nomad
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Hello everyone.....here are my thoughts on this thread:
Baja Guy - If the trailer is valued than less than $3000 then it would only be eligible for liability coverage. What is the value?
Jerry - Personal belongings are never covered by an auto insurance policy. This is true for auto insurance coverage in the U.S. as well. However,
anything inside the vehicle may be covered by a renters insurance or homeowners insurance policy. Check with your U.S. insurer to see if they cover
personal belongings when they are taken into Mexico.
Cabo Ron - "Partial Theft" only applies to parts of the vehicle that are stolen (seats, tires, engine components, etc.) and not contents. Also, you
should look into getting a "Resident" policy - that way you can discontinue your U.S. policy and not have to pay on both sides of the border. It
depends on the underwriter you insure through though, and may require special permission.
Cheers,
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bajaguy
Elite Nomad
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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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Utility Trailer
It's a beater, Geoff......liability only, please
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BajaGeoff
Super Nomad
Posts: 1727
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Location: San Diego and Campo Lopez
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Mood: Heading To Baja!!!
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Check your U2U bajaguy
I might be coming down to BCC soon for a round of golf. Are you down there now or in Carson City???
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