| Pages:
1
2 |
socalrat
Junior Nomad
Posts: 83
Registered: 8-16-2008
Location: South Bay, LA
Member Is Offline
|
|
full coverage or just liability?
full coverage for 19 days is in excess of $300. Liability only is $100.
2007 FJ Cruiser an a 19ft Airstream.
Full coverage or just liability?
gb3
|
|
|
David K
Honored Nomad
Posts: 65410
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
|
|
You can get an annual policy for that much... You need full coverage if there are lien holders or if you want repairs made to your vehicle's damage.
Have you gotten quotes from the top three Baja Nomad sources for insurance (BajaBound.com, DiscoverBaja.com, and Lewis & Lewis at
mexicanautoinsurance.com) ?
An annual policy is about the same price as 2 weeks of daily policy coverage... and it is good for a year of Baja vacations!
[Edited on 12-13-2010 by David K]
|
|
|
mcfez
Elite Nomad
Posts: 8678
Registered: 12-2-2009
Location: aka BN yankeeirishman
Member Is Offline
|
|
We get the yearly policies....it's bout the same or cheaper....IF...you head into Baja several times or more. Oh...$1000 deductible brings down the
cost
Old people are like the old cars, made of some tough stuff. May show a little rust, but good as gold on the inside.
|
|
|
Diver
Ultra Nomad
Posts: 4729
Registered: 11-15-2004
Member Is Offline
|
|
| Quote: | Originally posted by socalrat
2007 FJ Cruiser an a 19ft Airstream.
|
Do you have full coverage at home ?
So you don't care as much about the value of your rig in Baja ?
I don't understand .....
Get full coverage for whatever value you choose.
|
|
|
MitchMan
Super Nomad
Posts: 1856
Registered: 3-9-2009
Member Is Offline
|
|
Do any policies cover theft of the vehicle while in Baja?
|
|
|
woody with a view
PITA Nomad
Posts: 15940
Registered: 11-8-2004
Location: Looking at the Coronado Islands
Member Is Offline
Mood: Everchangin'
|
|
that's what full coverage means. totally insured. contents are on you, tho....
|
|
|
MitchMan
Super Nomad
Posts: 1856
Registered: 3-9-2009
Member Is Offline
|
|
Woody, are you absolutely, positively, unequivocably sure about that to the exclusion of any other possibility? Does the policy say "theft" is
covered expressly?
|
|
|
bajaguy
Elite Nomad
Posts: 9247
Registered: 9-16-2003
Location: Carson City, NV/Ensenada - Baja Country Club
Member Is Offline
Mood: must be 5 O'clock somewhere in Baja
|
|
two policies
Methinks you need to insure the Airstream seperately
|
|
|
Santiago
Ultra Nomad
Posts: 3540
Registered: 8-27-2003
Member Is Offline
|
|
| Quote: | Originally posted by MitchMan
Woody, are you absolutely, positively, unequivocably sure about that to the exclusion of any other possibility? Does the policy say "theft" is
covered expressly? |
From the English translation of my Qualitas policy:
The total theft of the insured vehicle as well as the losses or damages resulting from said total theft.
|
|
|
DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
|
|
| Quote: | Originally posted by bajaguy
Methinks you need to insure the Airstream seperately |
Agreed.
|
|
|
Santiago
Ultra Nomad
Posts: 3540
Registered: 8-27-2003
Member Is Offline
|
|
| Quote: | Originally posted by DENNIS
| Quote: | Originally posted by bajaguy
Methinks you need to insure the Airstream seperately |
Agreed. |
Why do you guys say this? I thought you just listed the towed vehicles with a separate value (zero if you want liability only on the toad while it is
being towed or $X if you want it covered under comp/coll)? Why a separate policy?
|
|
|
Diver
Ultra Nomad
Posts: 4729
Registered: 11-15-2004
Member Is Offline
|
|
We typically add our boat and camp trailer to the same policy with either Lewis and Lewis or Discover Baja.
Never had a separate policy.
|
|
|
DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
|
|
| Quote: | Originally posted by Santiago
Why do you guys say this? I thought you just listed the towed vehicles with a separate value (zero if you want liability only on the toad while it is
being towed or $X if you want it covered under comp/coll)? Why a separate policy? |
OK....I didn't know the new, modern procedure. I guess what we mean is the trailer isn't considered an extension of the towing vehicle as it is in
the states, unless that's an archaic interpretation as well.
It's not easy keeping up with all the modern nonsense taking over "The Land That Time Forgot." I live in the past 'cause I know my way around.
One of these days, it'll all be left to you young Whippersnappers and only then will you be able to understand and appreciate the immense cross we
have to bear as keepers of the archives of eternal Baja Wisdom. 
|
|
|
Santiago
Ultra Nomad
Posts: 3540
Registered: 8-27-2003
Member Is Offline
|
|
| Quote: | Originally posted by DENNIS
It's not easy keeping up with all the modern nonsense taking over "The Land That Time Forgot." I live in the past 'cause I know my way around.
One of these days, it'll all be left to you young Whippersnappers and only then will you be able to understand and appreciate the immense cross we
have to bear as keepers of the archives of eternal Baja Wisdom.
|
touché.....
|
|
|
mtgoat666
Platinum Nomad
Posts: 20371
Registered: 9-16-2006
Location: San Diego
Member Is Offline
Mood: Hot n spicy
|
|
| Quote: | Originally posted by socalrat
Full coverage or just liability?
|
that's a question of risk? are you looking for others to tell you if you can afford a loss w/o insurance?
i always make sure my ins policy includes bond. the mex legal system response after tarffic accident is to throw all in jail until you post bond.
supposedly the bond insurance pays your bond after you are arrested,... don't know if it works, haven't had to try it out yet 
|
|
|
BooJumMan
Senior Nomad
Posts: 929
Registered: 8-11-2007
Location: San Diego
Member Is Offline
|
|
Just curious, does Lewis and Lewis do split insurance?
|
|
|
surfer jim
Super Nomad
Posts: 1891
Registered: 8-29-2003
Location: high desert
Member Is Offline
|
|
It is easy to BUY insurance. The hard part from things I have read (especially total loss/theft) is trying to get them to PAY you for the loss.
|
|
|
bajaguy
Elite Nomad
Posts: 9247
Registered: 9-16-2003
Location: Carson City, NV/Ensenada - Baja Country Club
Member Is Offline
Mood: must be 5 O'clock somewhere in Baja
|
|
Insurance
bajabound.com
|
|
|
grace59
Senior Nomad
Posts: 614
Registered: 9-14-2004
Location: San Felipe, Baja, Mexico
Member Is Offline
|
|
| Quote: | Originally posted by David K
You can get an annual policy for that much... You need full coverage if there are lien holders or if you want repairs made to your vehicle's damage.
Have you gotten quotes from the top three Baja Nomad sources for insurance (BajaBound.com, DiscoverBaja.com, and Lewis & Lewis at
mexicanautoinsurance.com) ?
An annual policy is about the same price as 2 weeks of daily policy coverage... and it is good for a year of Baja vacations!
[Edited on 12-13-2010 by David K] |
Is the annual policy full coverage? I was going to ask this same question as I am taking my 2008 FJ Cruiser down for 2 weeks at the end of this
week. I certainly want full coverage to cover any damage to my rig in an accident or if it is stolen.
Whenever I hear that rainy, chill wind blow. I think it may be time to head for Mexico. Tengo que obedecer mi corazon!
|
|
|
DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
|
|
| Quote: | Originally posted by grace59
Is the annual policy full coverage? I was going to ask this same question as I am taking my 2008 FJ Cruiser down for 2 weeks at the end of this
week. I certainly want full coverage to cover any damage to my rig in an accident or if it is stolen. |
Grace....Here's a link for Bajabound. Ask the horses mouth, Geoff. You won't be comfortable with second hand info.
http://www.bajabound.com/
|
|
|
| Pages:
1
2 |
![[*]](images/xmbforum/default_icon.gif){kind=icon}
