Policy coverage

We offer you more coverage options than any other Mexican Insurance provider.

While we offer the standard coverage offered by all other Mexican insurers, we also offer unique packages, the GNP Deluxe Package and the ACE Platinum Package, both of which provide coverage not available from standard Mexico insurers. The coverage enhancements include Partial Theft, Vandalism, and increased cost of labor for U.S. repair on claims settlements.

The coverage applies for accidents or loss involving the insured vehicle, within the Republic of Mexico, and it works according to the following standard sections.

• Civil Liability.
  This coverage pays for property damages or bodily injury resulting from the use of the insured vehicle and caused to parties who are not the insured and are not occupants of the insured vehicle.
  
  
• Collision, Total Theft, and other covered damage to the Insured Vehicle.
  Cover the vehicle up to the actual cash value stated on your policy for collision, overturn, fire, explosion, lightning, meteorological phenomenon such as cyclones, hurricanes, earthquakes, and wind storm, amongst others. Before paying a claim the insurance company will apply a deductible to the actual cash value stated in your policy.
  
  
• Medical expenses for occupants.
  Cover pays medical expenses for the occupants and driver of the insured vehicle for injuries results from a covered event and up to the limits stated in the policy. This coverage applies even if you are involved in an accident with an at-fault uninsured/underinsured driver. Medical Payments coverage is excluded for motorcycle policies.
  
  
• Guaranteed bond and legal assistance.
  Our policy provide legal services and it will pay up to limit stated on you policy. This coverage is to assist you in the event you need to deal with authorities following a covered cause of loss.
  
  
• Travel Assistance.
  The insurance company provides some coverage for Towing, other expenses, and Travel Assistance. For a much broader Travel Assistance coverage please choose the quote option that includes MexVisit.
  

IMPORTANT:
Please note that the insurance does not cover fines as a result of a violation of Mexico’s traffic regulations. It is the driver’s responsibility to respect Mexico’s traffic laws.

GNP Deluxe Package

1. Civil Liability –The limit for this coverage (explained above) is increased from the basic coverage limit of US$50,000 to $150,000.
   
   
2. Increased Medical Expenses for Occupants – The limit for this coverage (explained above) is increased from the basic coverage limit of $2,000 per person/$10,000 per event to $25,000 per event with no per person limitation.
   
   
   
3. Waiver of Deductible on accidents caused by at-fault Third Parties - If you are involved in an accident in which an uninsured third party is at fault as determined by the legal authorities your vehicle sustains damage, GNP will pay for damages to your vehicle and waive your deductible.
   
   
4. Guaranteed Bond and Legal Assistance - The limit for this coverage (explained above) is increased from the basic coverage limit of $20,000 to $25,000.
   
   
5. Lower, Fixed Deductibles for damage to your vehicle – The deductible is changed to a fixed amount of $500 for Collision and $1,000 for Theft.
   
   
6. Partial Theft - This coverage includes Partial Theft of the vehicle. Other policies exclude partial theft. The fixed deductible of $1,000 applies.
   
   
7. Vandalism - This policy provides coverage for vandalism and is subject to a fixed $1,000 deductible.
   
   
8. Increased Cost of Repair - The policy will pay a higher labor rate per hour, rather than lower Mexican labor rates. The rates are increased per the table below:
   
   Cars $50 per Hour
   
   Pickups/SUV $70 per Hour
   
   Motor Homes $75 Per Hour.
   

ACE Platinum Package (optional endorsement)

1. Partial Theft – Exclusion H is eliminated.
   Total theft coverage is broadened to include payment for theft of parts and accessories only that are permanently attached to the Insured vehicle, excluding sound reproduction and recording equipment such as AM/FM radios, Cassette and CD players/recorders, and CB, UHF, and VHF radios.
   The deductible for Partial Theft is the same as the deductible amount for Total Theft as shown on the face page of your policy.
   
   
2. Deductibles.
   The deductibles for collision and total theft are fixed at $500.00 respectively.
   
   
3. Vandalism
   Vandalism, meaning willful and malicious damage to or destruction of the Insured Vehicle is covered by this broadening endorsement.
   The deductible for Vandalism is the same as the deductible amount for Total Theft as shown on the face page of your policy.
   
   
4. Increased Cost of Repair – Clause # 6 on Page 4 of the policy is modified as follows:
   If the damages to the insured vehicle are repaired in the United States or Canada, the maximum labor cost per hour for repairs will be according to amounts shown per type of vehicle shown below. Currency is in U.S. dollars.
   
   Cars $50 per/Hr
   
   Pickups $55 per/Hr
   
   Motor Home $70 per/Hr
   
   Motorcycle $50 per/Hr
   
   The Insured Vehicle will be considered a total loss at the option of the Insurance Company.
   The deductible applicable to repairs under this clause are the same as the deductible amounts shown on the face page of your policy.
   
   
5. Section 3, Civil Liability for Property Damage and for Bodily Injury to Third Parties
   The Property Damage Liability limit is increased to US$100,000 and the Bodily Injury Liability limit is increased to US$100,000 per person and US$300,000 per accident. These limits will be shown on the face page of your policy.
   
   
6. Risk 6, Medical Expenses for Occupants of the Insured Vehicle
   The limit of liability for Medical Expenses is increased to US$5,000 per person and US$25,000 per accident. Medical Payments coverage is excluded for motorcycles, thus this Clause does also NOT apply to Motorcycles.
   
   
7. Increased Medical Payments for an accident with an at-fault Uninsured Motorist
   In the event that you are not at fault in an accident that results in injuries to the occupants of your vehicle and the driver of the at-fault vehicle is uninsured, i.e., does not have Automobile Civil Liability insurance in Mexico, coverage for Risk 6 Medical Expenses for injuries to occupants of your vehicle is increased to $15,000 per Person and $40,000 per accident. Medical Payments coverage is excluded for motorcycles, thus this Clause does also NOT apply to Motorcycles.