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F.A.Q. (Frequently Asked Questions)1. Is U.S. or Canadian insurance valid in Mexico? The many U.S. companies operate different coverages and conditions. Before leaving home you should verify with your agent or insurance company if your U.S. policy covers the damage your vehicle while in Mexico. If coverage is provide in Mexico, many companies have a restriction if you travel more than a specified number of miles south from the border. Other companies have restrictions based on the number of days the vehicle is in Mexico. IMPORTANT: Some U.S. insurance companies may extend coverage for
damage to your vehicle while in Mexico. However, by Mexican law,
liability coverage must be provided by an authorized Mexican insurance
company. The liability coverage offered by a non-Mexican insurance
company it is not recognized by Mexican authorities.
We offer the best costs and coverages of the market, if you want
to get an online quote, please click here. Like in the U.S and Canada,
the premium will vary depending on the value of your vehicle, the
limits of liability you chose, as well as the length of time for
which you require coverage.
Your transaction is 100% safe because our system is based on an encrypted process where your credit card data is maintained strictly confidential. Our web site processes the payments through an important credit
card processing company that has processed over 100,000 policy payments
and it has never presented a problem.
If you extend your visit to Mexico, you need to purchase another
policy that covers the extra period of your will stay. Please remember
that you can purchase your policy online, anytime through this web
site. All you need is Internet access and a printer.
You will have to purchase a policy even though your stay in Mexico
is as short as a few hours. You just never know when you could have
an accident . . . which is why it is called an “accident!”
Please remember that liability coverage should be provided by a
Mexican insurance company, no matter how long you stay.
For the material damages, total theft, and glass coverages you will have to pay the deductible in case of a loss. The liability coverage does not have a deductible, so no deductible
applies for that coverage.
All the companies we work with are the most solid and reputable
in Mexico (Grupo Nacional Provincial, ACE Seguros, GE seguros, Zurich
y ANA Seguros). All have many years of experience operating in this
market, and you can have confidence in their solvency.
Sorry, it does not cover traffic fines. It is responsibility of
each driver to respect Mexico’s traffic regulations.
MexVisit is an exclusive product for travel assistance that you
will not find available with any other agent or underwriters. You
can include it with daily, six month, and annual policies. Other
agents can offer coverages with the same underwriters, but none
of them will equate the quality of coverage provided with MexVisit. For more information about MexVisit, please click here.
For U.S. and Canadian drivers, one of the most misunderstood features of Mexico auto insurance is the deductible based upon a percentage of the vehicle value. With a percentage deductible the insured pays a deductible of 2% of the vehicle value for collision, subject to a minimum of $500 for cars and $1,000 for all other types of vehicles, and 5% of the vehicle value for theft, subject to a $1,000 minimum for cars and #1,500 for all other vehicle types. To satisfy the require of many of auto finance companies in the
United States and Canada who require fixed deductibles not greater
than $500 U.S. dollars for collision, and $1000 U.S. for theft.
We worked with our insurance companies and GNP and ACE agreed to
offer a fixed deductible option, similar to U.S. auto policies.
Unfortunately, it is not possible to leave the expiration date open because the coverage limits must be specified in the policy to make it valid. However, we do offer lots of options, from one day up to one year,
depending upon your need. It is easy for you to renew your policy
online.
Yes, that is a big problem! Mexican law requires a valid driver
license while driving. And, if you don’t have a valid license
at the time of an accident, your insurance will not provide coverage.
We suggest renewing your license before driving in either Mexico
or your home country. If your policy period is less than six months, for example, for 5 days, it can not be cancelled once the effective date arrives. You may cancel a six month or annual policy within the first 15 days after the initial effective date. In this case you will be charged for the number of days of coverage. The policy fee is not refundable. After the 30 days. If you have changed vehicles, we can process that change for you
and the premium will be adjusted based upon the value of the old
and new vehicle and the amount time remaining on the policy.
The insurance policy specifies that in case of an accident, the
coverage will only apply for drivers between the ages of 18 and
79 years old, who have a valid and authorized driver license.
All adjusters are supposed to be bilingual, Spanish-English. If
your adjuster does not speak English, you can ask for another who
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