INSURANCE POLICY

Many of the U.S. companies operate with different coverages and conditions. Before leaving you country, you should verify with your agent or insurance company if your U.S. policy covers the damage to your vehicle while you are in Mexico. If it does, verify the limit within Mexico miles or if it has a restriction based on the number of days out of your country.

IMPORTANT:
Some of the insurance companies in the United States may extend coverages for your vehicle while you are in Mexico. However, for the Mexican law, liability coverage must be provided by a 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 would like to get a quote online, please click here. Similarily to the U.S and Canada, the premium will vary depending on the value of your vehicle, the liability limits you chose, and the length of time in which you require coverage.

Your transaction is 100% safe. Our system is based on an encrypted process where your credit card data is strictly and confidentially maintained.

Our state-of-the-art system runs electronic transactions through a premium provider who has over 100,000 policy payments processed so feel assured your data is protected.

If you extend your visit to Mexico, you will have to purchase another policy that covers the period you will be there. Please remember that you can purchase your policy online any time through this web site. All you need is Internet access and a printer.

Although your visit to Mexico is for a few hours, you need to be insured. During that few hours you are exposed to risks, and don’t forget that liability coverages must be provided by a Mexican insurance company.

For material damages, total theft, and glass coverages you will have to pay a deductible in case of a loss.

Liability coverage does not have a deductible, so you will not have to pay anything in case of a claim

All of the insurers we work with are the most solid and realiable companies in Mexico (Grupo Nacional Provincial, ACE Seguros, GE seguros, Zurich and ANA Seguros). They all have many years of experience operating in the market, and you can fully trust in their solvency.

We are also committed to helping you get the fairest settlement in case of a claim.

No, it doesn’t cover traffic tickets. It’s the driver’s responsibility to respect Mexico’s traffic regulations.

NOTE: The insurance covers the expenses for bond and legal assistance required to defend the insured, and it also provides a bail bond.

NOTE: Liability coverage is specifically excluded if the driver is under the influence of alcohol or drugs at the time of an accident.

MexVisit is an exclusive product for travel assistance that we offer and you will not find available with any other agent or underwriters. You may purchase this product along with daily, six-month, or annual policies. Other agents can offer coverages with the same underwriters, but none of them will equate the quality of coverage that we offer with MexVisit:

a. Emergency Medical Assistance
b. Travel Assistance
c. Emergency Roadside Assistance

One of the most misunderstood features of Mexico auto insurance for U.S. and Canadian drivers is the deductible based upon the vehicle value percentage.

With a percentage deductible the insured pays a 2% deductible of the vehicle value for collision, subject to a minimum of $500 for cars and $1,000 for all other types of vehicles. For theft, 5% of the vehicle value, subject to a minimum of $1,000 for cars and $1,500 for all other types of vehicles.

Most of the U.S. and Canada auto financing agencies require the fixed deductibles of $500 for collision and $1000 for theft. With this option you will not have to pay high deductibles whenever a claim arises.

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 needs. We offer you an easy way to renew your policy online.

Yes, that is a big problem. The Mexican law requires a valid driver license while driving. If you don’t have a valid license at the time of an accident, your insurance will not have coverage. We suggest you renew your license before driving either in Mexico or your country.

If your policy period is less than six months, for example, for 5 days, it cannot be cancelled once the effective date arrives.
Although you can cancel a six month or annual policy within the first 15 days after the initial effective date. In this case you will be charged just for the number of days with coverage. The policy fee is not refundable after the 30th day.
If you have changed your vehicle, 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 of 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.
Important: the insurance does not cover damages suffered or caused by drunk-driving.

All the adjusters are supposed to be bilingual, Spanish-English. If your adjuster does not speak English, you can ask for another one who does.