| Pages:
1
2 |
hombre66
Nomad
Posts: 281
Registered: 10-29-2014
Member Is Offline
|
|
Best insurance
Driving my own vehicle down to Loreto 11/1, for the first time in years.Am I wiser to purchase insurance online and get a better deal? Used to be lazy
and just go to the San Ysidro Sanborn out of convenience. Will be passing into Baja at Mexicali. I should know this stuff... as I mentioned its been
awhile and the memory, well , ahem thanks for help
|
|
|
tjsue
Senior Nomad
Posts: 520
Registered: 4-12-2013
Location: San Diego
Member Is Offline
|
|
BajaBound is the best.
|
|
|
David K
Honored Nomad
Posts: 64835
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
|
|
They support this website, are very nice people, and sell the top rated insurance! All on-line and easy.
There is also a club you can join called Discover Baja, with discounts and services for Mexico travelers, very nice people, and they also sell the
same top rated insurance.
See what will work best for you, both offer on-line quotes.
|
|
|
rocmoc
Nomad
Posts: 234
Registered: 5-25-2009
Location: Tucson, AZ
Member Is Offline
Mood: Live today like it maybe your LAST!
|
|
There is only a couple of Insurance Companies that are sold by Insurance Agents so it is the Agent that is most important. The best IMHO is Lewis
& Lewis. Have used them of YEARS!
rocmoc n AZ/Mexico
rocmoc n AZ/Mexico
|
|
|
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
|
|
Bajabound
Bajabound for sure.
I needed them and Geoff was there to take care of things.
|
|
|
sancho
Ultra Nomad
Posts: 2524
Registered: 10-6-2004
Location: OC So Cal
Member Is Offline
|
|
The 2 Mex Ins Co's that bajabound, discover baja sell, HDI, ACE, both have
A, A+ ratings, qualitis sold by L&L has a B-
[Edited on 10-14-2015 by sancho]
|
|
|
David K
Honored Nomad
Posts: 64835
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
|
|
Anyone in California that sells insurance is a licensed insurance agent... this is true of Baja Bound and Discover Baja Travel Club.
|
|
|
bajagrouper
Senior Nomad
Posts: 964
Registered: 8-28-2003
Location: Rincon de Guayabitos, Nayarit, Mexico
Member Is Offline
Mood: happy and retired
|
|
BAJABOUND
I hear the whales song
|
|
|
xolotl_tj
Junior Nomad
Posts: 38
Registered: 9-20-2008
Location: Col. Libertad, Tijuana
Member Is Offline
|
|
Rocmoc makes a good point. What we see on the Internet are only US agents, they are not the actual insurers.
BajaBound gives money to anyone who will say something nice about them and the guy I knew there doesn't work for them anymore so I am suspicious.
Already looking for another insurance agent for two clients of mine.
What you don't need is a smiling salesman. What you do need is someone who will go to bat for you. That's what I'm looking for and so far I'd say that
BajaBound has failed.
L’homme ici arrive où il peut et non où il veut.
—Vasco Núñez de Balboa
|
|
|
Martyman
Super Nomad
Posts: 1904
Registered: 9-10-2004
Member Is Offline
|
|
I just stop at one of those drive thru places right before the border. Depending on how long you stay...sometimes it is cheaper to get an annual
policy.
|
|
|
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
|
|
Where do you dig up this crap???
I have used Bajabound for years and when I had a serious accident, Geoff of Bajabound came through and provided claims assistance and continuing
support while my truck was being repaired.
After the repairs he and the insurance adjuster contacted me regarding my satisfaction on the repairs and to see if they could do anything else.
I have not been paid by Bajabound to support their business and resent your implications........and Geoff "went to bat for me"
I speak from first hand experience, what do you speak from???
Quote: Originally posted by xolotl_tj  | Rocmoc makes a good point. What we see on the Internet are only US agents, they are not the actual insurers.
BajaBound gives money to anyone who will say something nice about them and the guy I knew there doesn't work for them anymore so I am suspicious.
Already looking for another insurance agent for two clients of mine.
What you don't need is a smiling salesman. What you do need is someone who will go to bat for you. That's what I'm looking for and so far I'd say that
BajaBound has failed. |
|
|
|
xolotl_tj
Junior Nomad
Posts: 38
Registered: 9-20-2008
Location: Col. Libertad, Tijuana
Member Is Offline
|
|
Nowadays, stopping at one of those kiosks is the LAST thing you want to do. It made sense in the latter half of the twentieth century because Mexican
laws used to prohibit cross-border insurance -- the owners of those kiosks are now powerful politicians in Baja because of those profits and US laws
allow these kiosks to charge sales fees on top of the insurance premiums -- so you wind up paying two or three times as much as you would on the
internet or through your own US insurer.
Seriously, start with your own insurer. Many now offer Mexican riders.
L’homme ici arrive où il peut et non où il veut.
—Vasco Núñez de Balboa
|
|
|
BajaGeoff
Super Nomad
Posts: 1727
Registered: 1-11-2006
Location: San Diego and Campo Lopez
Member Is Offline
Mood: Heading To Baja!!!
|
|
Hello xolotl_tj,
We always "go to bat" for our clients and it's been that way ever since I started here in 2001. We have worked directly with HDI Seguros since 2003,
ACE Seguros since 2005 and have longstanding working relationships with both companies and their claims management teams.
And yes....we do advertise all over the internet and sponsor a ton of events and fundraisers in Baja. Marketing, branding and being involved in the
region that we love is how we have been able to successfully grow this business over the years.
So feel free to call me a "smiling salesman" because I do get to travel in Baja all the time for work...and that does in fact make me smile. But when
our clients have a claim and need assistance, we will always "go to bat" for them and help in any way we can.
¡Viva Baja!
|
|
|
Ateo
Elite Nomad
Posts: 5900
Registered: 7-18-2011
Member Is Offline
|
|
Bajabound. Do it online. It keeps your vehicle history so you don't have to re-enter everything in every time.
Do it!
|
|
|
Martyman
Super Nomad
Posts: 1904
Registered: 9-10-2004
Member Is Offline
|
|
| Quote: Originally posted by xolotl_tj |
Nowadays, stopping at one of those kiosks is the LAST thing you want to do. It made sense in the latter half of the twentieth century because Mexican
laws used to prohibit cross-border insurance -- the owners of those kiosks are now powerful politicians in Baja because of those profits and US laws
allow these kiosks to charge sales fees on top of the insurance premiums -- so you wind up paying two or three times as much as you would on the
internet or through your own US insurer.
Seriously, start with your own insurer. Many now offer Mexican riders.
|
That has not been my experience. If prices were too high at the first kiosk I would go next door. I found it to be cheaper then internet prices. 2-3
times higher?? no way.
I will check out Bajabound next time.
I have never filed a claim so I have no experience with that.
|
|
|
xolotl_tj
Junior Nomad
Posts: 38
Registered: 9-20-2008
Location: Col. Libertad, Tijuana
Member Is Offline
|
|
BB Code has been making a mess of this answer, it keeps giving me nested quotations, so I'll just have to do it the old way. You will have to infer
the respective citation.
bajaguy:
We are in a public forum, so I would hope that you might moderate your language as much as I have moderated my own.
What I said is what I know. I try very hard not to speak crap. I heartily recommend that you follow suit.
Martyman:
That's not what I said. I said to start with your own insurer. Most gringo insurance companies now offer Mexican riders.
BajaGeoff
Here on the Internet, there are more stakeholders than just customers. If you are part of Baja Bound, you are currently supporting a violation of
Mexican constitutional rights. I will be happy to deal with this privately so as to avoid unnecessary "hothead" comments.
L’homme ici arrive où il peut et non où il veut.
—Vasco Núñez de Balboa
|
|
|
Bajahowodd
Elite Nomad
Posts: 9274
Registered: 12-15-2008
Location: Disneyland Adjacent and anywhere in Baja
Member Is Offline
|
|
Before I joined Nomad, I did business with a very reputable broker located in Santa Cruz that can be accessed at mexadventure.com.
Bottom line, as has been mentioned in this thread, anyone you do business with on line is a California licensed broker who does what is called surplus
lines. They are located in California, and worked with Mexican insurance companies, although in most cases they are multinational companies that are
licensed to conduct insurance activities in Mexico. Geez, for example, ACE is domiciled in Bermuda.
Bajabound is a fine brokerage, as is Mexadventure. I actually found that Mexadventure offered quotes from more companies than did Bajabound. But,
after being in business for all those years, I would have to think that Bajabound has determined that the few carriers they represent are the best.
Just really, really do not patronize those kiosks by the border.
|
|
|
micah202
Super Nomad
Posts: 1615
Registered: 1-19-2011
Location: vancouver,BC
Member Is Offline
|
|
| Quote: Originally posted by Martyman | I just stop at one of those drive thru places right before the border. Depending on how long you stay...sometimes it is cheaper to get an annual
policy.
|
...be careful about that. If you've got an older vehicle, you have to make a special arrangement for full coverage....something that BajaBound
offered,,,but something that I couldn't get 'at the border'.
...this became very sad news once my rig was stolen in TJ
|
|
|
carlosg
Senior Nomad
Posts: 504
Registered: 5-28-2012
Location: chula vista, ca
Member Is Offline
Mood: Just like in Baja: No Bad Days...
|
|
| Quote: Originally posted by hombre66 | | Driving my own vehicle down to Loreto 11/1, for the first time in years.Am I wiser to purchase insurance online and get a better deal? Used to be lazy
and just go to the San Ysidro Sanborn out of convenience. Will be passing into Baja at Mexicali. I should know this stuff... as I mentioned its been
awhile and the memory, well , ahem thanks for help |
For the past five years I have bought insurance from "Adventure" (https://secure.mexadventure.com/app2/quoteform.cfm?CFID=3897...), in the past I never had any need for it until this year: I hit a cow while
driving in the night, not bad just an encounter with its nose from the front fender all the way to the back of my truck, I reported the accident and
the following day a had an agent at my door taking care of business, very polite and professional. Yesterday I got a call from Mexico City (ACE
Insurance) asking where and when I would take the truck for repair: where? I asked, you mean Tijuana of course, the lady responded: NO wherever you
want it done, if in Tijuana take it to one of our preselected shops and have it repaired or in the US just get an estimate and send it over to us. I
always get full coverage with the top limits on every item on the list, under 300 dlls. for two weeks... because... YOU NEVER NEED INSURANCE UNTIL YOU
NEED IT...!!!
|
|
|
xolotl_tj
Junior Nomad
Posts: 38
Registered: 9-20-2008
Location: Col. Libertad, Tijuana
Member Is Offline
|
|
| Quote: Originally posted by lencho |
Now THAT piques my interest, but I can't figure out what you're alluding to here. Please explain. 
[Edited on 10-15-2015 by lencho] |
That would be Article 6 of our federal constitution, http://www.diputados.gob.mx/LeyesBiblio/htm/1.htm specifically the "derecho a la réplica". As I said previously, however, I would deal with this
with the appropriate people first, privately, so as not to distract the public conversation.
At the moment, I cannot recommend any US agent of Mexican insurance. Ever since the presidency of Salinas de Gortari, auto insurance has been easier
to sell and harder to claim. We call that "privatization".
L’homme ici arrive où il peut et non où il veut.
—Vasco Núñez de Balboa
|
|
|
| Pages:
1
2 |
![[*]](images/xmbforum/default_icon.gif){kind=icon}
