Mexican Motorcycle Insurance Policies

Mexican Motorcycle Insurance Policies

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Baja Bound offers liability-only and full coverage motorcycle policies for street legal motorcycles through HDI Seguros and ACE Seguros. Full coverage, which includes physical damage and theft, is available for many makes and models. If you do not see your make or model on the quote application, please feel free to contact us at 888-552-2252 and we will look into getting coverage for you.

If you will be towing your motorcycle and then riding it on municipal roads, you will need two separate policies, one adding the motorcycle to the primary vehicle's policy and another for the motorcycle while driven separately.

Important: Coverage is only valid on municipal roads, not in off-road situations. Some dirt roads are municipal roads if they are normally transited. There is no coverage on roads that are impassable.

HDI

Features of the HDI Seguros Motorcycle Policy: 

  • Daily, six month, or annual policies
  • Liability-only or full coverage policies
  • Physical damage and total theft coverage available on full coverage policies
  • Various limits of liability are available
  • Legal aid and bail bond included
  • U.S. toll free number to follow up on claims
  • Claims may be settled in U.S. dollars
  • No medical payments coverage for the driver or passenger
  • Roadside assistance
ACE Seguros

Features of the ACE Seguros Motorcycle Policy:

  • Daily, six month, or annual policies
  • Liability-only or full coverage policies
  • Physical damage and total theft coverage available on full coverage policies
  • Partial theft and vandalism coverage available only on the Platinum policy
  • Various limits of liability are available
  • Legal aid and bail bond
  • Roadside assistance
  • U.S. toll free number to follow up on claims
  • Claims may be settled in U.S. dollars
  • No medical payments coverage for the driver or passenger

FAQs about Mexican motorcycle policies

How can I find out if my motorcycle is eligible for full coverage?

Most makes and models eligible for full coverage are listed on the pull down menus when you start a quote. If you do not see your model listed, you may call our office at 888.552.2252 and we can request coverage.

Is it possible to obtain medical payments for the driver of a motorcycle?

No. We recommend checking your medical or health insurance from the U.S. or Canada to see if you will be covered if necessary. If not, you may be able to purchase temporary international medical coverage that covers you while riding a motorcycle.

What if I am towing my motorcycle and later riding it. How can I be sure I have adequate coverage?

If your motorcycle is street legal and you will be towing it first and then riding it, you will need two separate policies.

  • If you would like full coverage on the motorcycle: (1) Add the motorcycle as a towed item on the primary vehicle's policy, at $0 value. (2) Issue a separate motorcycle policy and select the motorcycle's value so that you will have full coverage (available for motorcycles $3000 and up). This covers the motorcycle for full coverage while being towed and while being driven separately.
  • If you would like just liability coverage on the motorcycle: (1) Add the motorcycle as a towed item on the primary vehicle's policy, at $0 value. (2) Issue a separate policy for the motorcycle, also at $0 value. The motorcycle will now be covered for liability coverage while being towed or driven separately.

Advantages of HDI Seguros and ACE Seguros policies over other companies

HDI Seguros and ACE Seguros offer features that are important should you have to file a claim. Not all Mexican insurance companies offer these features.
  • High financial ratings on A.M. Best or Standard and Poors
  • Bilingual claims service is available 24 hours a day
  • Repairs may be made in the U.S. or Canada, especially when the vehicle is drivable
  • U.S. repairs are paid based on U.S. repair rates (not the cheaper Mexican repair rates some other companies use)
  • Claims may be settled in U.S. dollars
  • Total loss payout based on higher Private Party to Retail values, not lower Wholesale (Trade-in) value
  • U.S. toll free numbers are available to follow up on claims

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