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Before traveling into Baja or mainland Mexico it is a good idea to check with the company through which you financed the lease or purchase of your vehicle, to see if they have special requirements for international travel. Many lien holders require their clients to request an official letter of permission to be carried with their Mexican insurance policy throughout the entire trip.
Individual banks and financial services have different procedures for how you should go about obtaining a letter of permission. It is also important to note that many companies will not allow you to travel in Mexico with your financed vehicle for a period longer than 30 days. You should always contact your lending institution directly to make sure that you know their particular policies and expectations, and are following the correct steps to receive a letter of permission well in advance of your departure date. Some lenders notarize their letters, which lengthens the processing time. Using a FAX machine to send and receive information from your bank or financing company will expedite the process significantly.
Policies may be sent your finance company by email. Please contact us if you would like for us to send your policy to them. We will need the fax number or email address, your policy number, and any contact information so that the fax goes to the correct department.
Generally it is recommended that customers who will be traveling with a financed vehicle allow a minimum of 7 - 10 days in advance of travel to complete the steps necessary to get this important letter of permission from your lending institution. Although some institutions work more quickly than others, if you wait until the last minute to make your request you may have to postpone your trip until the permission letter arrives!
Step-by-step instructions to receive formal permission to travel south of the border from some of the commonly used financing companies:
Bank of America
Bank of America clients are required to carry a letter of permission on their trip. To receive this letter, complete the following steps:
If you fax your request, Bank of America can generate the letter of permission on the same day or within 24 hours. If you send your request by regular US mail, it may take 3-5 days for your request to be processed.
It is recommended to carry the letter of permission everywhere you go on your trip and if you decide to extend the dates of your travel while in Mexico you need to call Bank of America to get a new letter of permission with extended dates reflecting your new itinerary.
Bank of the West
Bank of the West clients are required to carry a letter of permission on their trip. To receive this letter, your account and U.S. insurance must be current. Complete the following steps:
Bank of the West clients are strongly encouraged to submit their request in writing at least three weeks prior to travel departure. Average processing time is between 3 and 5 days, but depending on the customer account it can sometimes take longer. Once Bank of the West has approved the request, a letter will be generated and can be faxed or mailed back to you. There is a $10 fee that will be applied to your account for processing. The authorization letter may be over-nighted for an additional $10. The letter of permission will be on letterhead but not notarized. It is recommended that it be carried at all times during your trip. The maximum allowance for the vehicle to be out of the country is 120 days. You can reach Customer Service at 1-800-827-7500 Ext 4900.
TD Auto Finance
TD Auto Finance clients are required to carry a letter of permission on their trip. To receive this letter, complete the following steps:
From the receipt of your request, it typically takes TD Auto Finance 7-10 business days to generate a letter of permission which they will either fax or mail to you according to your preference. This letter should be carried with you at all times during your trip. You can reach Customer Service at 1-800-556-8172.
Ford Motor Credit
Ford Motor Credit clients are required to carry a letter of permission on their trip. To receive this letter, complete the following steps:
If approved, Ford Motor Credit will generate a notarized permission letter for you to carry during your trip. There are many qualifying situations and each case is evaluated individually.
It typically takes between 24 - 48 hours for your letter to be generated. It is then faxed or mailed to you. Each letter of permission is valid only for the dates of travel indicated on your request. If you decide to extend your stay you must call Ford Motor Credit to obtain an updated letter of permission.
Ally Financial
Ally Financial clients are required to carry a letter of permission during their trip. In order to receive the letter, your account must be current, at least 6 payments must be made on the loan, and your account may not have any negative credit marks. To receive this letter, complete the following steps:
It is recommended that you carry the letter of permission everywhere you go on your trip.
Honda Financial Services
Honda Financial Services clients are required to carry a letter of permission during their trip. To receive this letter, complete the following steps:
From the receipt of your request, there is a minimum turnaround time of 24 hours to generate a letter of permission which they will prefer to mail to you. The letter of permission is notarized, so they prefer not to send it through a fax machine. This letter should be carried with you at all times on your trip, and is valid for only the dates specified on your request. You can reach Customer Service at 1-800-445-1358.
Navy Federal Credit Union
Navy Federal Credit Union requires that customers obtain a letter of authorization with them during their trip which can be accessed online.
Any further questions can be directed to NFCU Customer Service at 1-888-842-6328.
San Diego County Credit Union
San Diego County Credit Union clients are required to carry a letter of permission during their trip. To receive this letter, complete the following steps:
Your letter will typically be generated on site (if you go directly to your local branch), although in some cases it can take several days to receive approval and have the letter generated and faxed or mailed to you. You should carry it with you at all times on your trip. You can reach Customer Service at 1-877-732-2848.
Toyota Financial Services
Toyota Financial Services (TFS) clients are required to carry a letter of permission during your trip. To receive this letter, complete the following steps:
It is important to note that letters of permission from TFS are only valid for 30 days or less. If you want to stay in Mexico longer than 30 days, you must actually return to the USA and get a new consent letter. (It may be possible for you to have the letter faxed to your location in Mexico, each decision is made on a case by case basis.) The letter of permission should be carried at all times on the trip. You can reach Customer Service at 1-800-874-8822.
USAA
USAA clients are apparently not required by USAA to carry a letter of permission on their trip, however it is highly recommended and USAA will generate a letter of permission for clients who request it. To receive this letter, complete the following steps:
It is important to note that letters of permission from USAA are only valid for 30 days or less. If you want to stay in Mexico longer than 30 days, USAA will fax a new letter to your location in Mexico, however they caution that Customs does not always accept faxed letters and sometimes require an original notarized letter. If you decide to request a letter of permission to verify the legality of taking your vehicle into Mexico, you should carry it with you at all times.
VW Credit
VW Credit clients are required to carry a letter of permission during their trip. To receive this letter, complete the following steps:
From the receipt of your request, it typically takes VW Credit 48 hours to generate a letter of permission which they prefer to mail to you as it is a notarized document. They will fax it to customers upon request but caution that the document may not be considered legal if it is merely a fax copy. Your letter of permission should be carried with you at all times on your trip, and is valid for only the dates specified on your request. You can reach Customer Service at 1-800-428-4034.
It is important to note that letters of permission from VW Credit are valid for only 3 months or less.
Wells Fargo Dealer Services
Wells Fargo Dealer Services (WFDS) clients are required to carry a letter of permission during their trip. To receive this letter, fax or mail your written request to WFDS including:
It typically takes 3 business days for a request to be processed once it is received by WFDS, not including return mailing time.
It is important to note that letters of permission from WFDS are only valid for 60 days or less. If you want to stay in Mexico longer than 60 days, additional approval by account manager is required. The letter of permission should be carried at all times on the trip. You can reach Customer Service at 1-800-289-8004.
Absolutely fantastic, I already forgot her name because I have a terrible memory but the woman that helped me on the phone was wonderful,...answered all of my questions, many of which weren't even about insurance, but just about my trip in general. Very easy to use website, makes getting Mexican Insurance as an American an absolute breeze. Highly recommend.
By far the best service for Mex insurance in Baja. They are personally there for you if you have problems south of the border.
2nd year with Chubb. No problems
Mexican Insurance made easy, I have used Baja Bound Mexican Insurance for all most 5 years, price and ease is great, luckily I have never...need to use it. Recommend it highly.
I've had Baja Bound insurance for more that ten years now with thousands of miles logged in Baja. Fortunately, I've only had one fender...nder in that time where I had to call them. That one incident was by far the smoothest process I've been through, even more so than dealing with insurance in the States. I would highly recommend Baja Bound to anyone looking to travel in Baja. Geoff and his people are amongst the finest people you'll ever deal with.
Professional and affordable.
Great service, quick response time.
I have used Baja Bound for years. Very easy and affordable.
I reapplied for my Baja Bound Mexican car Insurance yesterday and I spoke to Ms. Shauna. This lady processed my application quickly and...ailed me my insurance. I had a very pleasant phone conversation with her. In short Ms. Shauna is an excellent professional lady! I had insurance with Baja Bound (HDI) for almost 4 years. But my Sentri expired and I had to reapply again. Ms. Shauna helps you and provide you with all sort of good information. For example, she told me about Baja’s specific insurance that is cheaper and has better services such as medical expenses. I hope you are lucky and can speak to Shauna. Kind regards Mehdi
Honestly their app is so fantastic and saves all my info I can literally buy the same insurance for my Baja trips in less than 45 seconds...it’s incredible
I wish every company was as easy to deal with as Baja Bound. I ended up staying in Baja longer than expected and it took a 3 minute phone...call from a truck stop for them to extend my policy. Every time I call or email, I''m treated like they actually know me! I can't say enough good things about them!!!!
Excellent
Super-easy and instant. Very happy with initial purchase.
Team were on point, provided inside information, prices were great and they had my proposal already in the system when I called back....ful and so damn friendly. Cut my costs to help me out as well. Highly recommended.
Super easy to sign up for insurance for both our Truck and Four Wheel Pop-Up camper. We had no issues while driving south of the boarder....... our friend did, and stated Baja Bound was on point to get things settled for his claim.
I just would like to know if you guys are going to update the fastpass direction any soon, during the month of January the lane changed to... the left, therefore the directions on your website are incorrect !! It would be of great help if the information was up to date. Thank you !!
Baja Bound is and has been my go to Mexico insurance company. The website is extremely easy to use, keeps all your info for a quick...ase and they always have the best price.
Thank goodness never had to use this. Great interactive website to huy.
Great service, EZ and reasonbably priced. Been using Baja Bound for many years now. Great company and people!
Signing up for policies is super easy. Never had a claim and hope I don't have to. But the service and process was fast and good.
Easy, fast, and affordable.
Hola exelente serbicio rapido ya no pierdo tienpò esperando en Ningun otro lado ...lo ago. En linia cuando voy de Camino y ya .... ...slated by Google) Hello, excellent fast service, I no longer lose time waiting anywhere else ... I do it. On line when I go on the Camino and now ...
Baja Bound makes buying insurance for going south of the border as easy as it gets. The website is the easiest I have used and the staff...really tries to go the extra mile. They do a lot of trips to Baja themselves so they really know the ins and outs.
Went down to TJ June 11 2020 No problems going into TJ but the way back was a ordeal 6 hours in line to get back into the USA but no...es with COVID or anything1/2 the people had masks on half did not. Thankfully I have not had occasion to need to file a claim in my many trips to TJ or Hermosillo. Never had a issue buying or getting a fair price from Baja Bound I also enjoy the newsletters they send from time to time.
Very easy, quick, and professional
Had a great experience getting insurance at Baja Bound, before I always stoped at the border to purchase my insurance, not anymore. By the... way you don't need the title, current Registration is all you need.
Easy to obtain, good quality, auto insurance for Mexico.
SIMPLE, STRAIGHTFORWARD. OLD GUYS LIKE THAT. WILL DEFINITELY USE IN 6 MONTHS IF STILL RUNNING AROUND THE WILDS OF BAJA.
Excellent online and by direct phone. Spanish and English with proven response to questions. Website is very informative about driving in...Mexico and places to see. My highest recommendation. Prof Rochin
Easy to buy Mexico car insurance from and good service
Been going to baja for 45 years. This is best insurance company i have come accross.
Easy to work with 😉. Always courteous and helpful. Have used them for all trips to Mexico. Easy website to navigate
Thank God I had a safe trip but it did have me at peace knowing I was fully covered. The staff were friendly and very helpful.
Getting a policy was simple, Provided more than provider for price comparison.
I will never drive south of the border without Baja Bound in my center console. I was in an accident a couple hours south of Ensenada and...the Mexican insurance company sent an adjuster out for the claim. A couple hours later, the adjuster informed me that the claim was denied. I called Baja Bound shortly after on my drive towards the boarder and spoke to Yara. She calmed me down a little and promised to reach out to the insurance company herself and get back to me. I didn’t have any expectations of things going better, but over the course of a couple weeks, Yara had the claim approved and had an adjuster sent to my house to check out the truck for an estimate. A week after the adjuster left, I received a check in the mail that will completely cover all repairs. I can’t imagine that this story would be the same without the efforts of Yara and Baja Bound. Thank you!
I purchased insurance through them & CHUBB for our trip to San Felipe. Unfortunately, we had to cancel due to our vehicle having an oil...ak the night we were supposed to head out. With all going on I did not think to call the insurance right away & cancel the policy however I did call right after the policy had been over. I called Baja Bound & spoke to Yara & she advised me to send in my paperwork of the repairs with when we submitted the vehicle to the mechanic & that it was worth a shot. I was amazed by the service I recieved from Yara & Baja Bound. They were quick & easy to work with & were able to reimburse me for the policy I had purchased. I will now ensure I use Baja Bound & CHUBB for future travels. P.S. its recommended to cancel the policy asap if something does happen & your plans were cancelled for what ever reason.
Great coverage options . Price buy and print policy , very quick and easy , highly recommend them when driving in Mexico
Very good ans very fast. We hope all will ben good if we need it.
Me gusta la asuguranza porque la puedes comprar por un dia y te asegura en Mexico por el tiempo que vas ya sea hasta por mes (Translated...by Google) I like the insurance because you can buy it for a day and it assures you in Mexico for the time you go either up to a month
Changed some money. Good rate and friendly people.
I have been using BajaBound Insurance for 15 years - multiple trips per year. Their website is easy, their coverage is great, and the...omer service is outstanding. I have many friends that use BajaBound and unfortunately I have seen claims be filed. Outcomes have always been quick, fair, and what you would expect from the contract. I would HIGHLY recommend using BajaBound anytime you travel to Mexico.
Great, easy to use service. I haven't had to file a claim (and hope I never have to) but the online portal is very easy to use, and it's...ery easy to understand the coverage available. We travel frequently to Mexico, and will continue to use Baja Bound for our insurance needs.
Super simple, inexpensive, easy to work with, amicable and great communication
Easy to get and the price is right
Easiest way to purchase insurance when traveling to Mexico. I have used their service for the last 7 years and it only gets easier and...ier. Thanks Baja Bound for your great service and price.
We were trying to get an insurance for our RV in Mexico, we come from Europe and we drive with Belgium license plates. I tried a lot of...ompanies but they didn’t answered my mails. Baja Bound answered my mail immediately and the next day I had an insurance. Very nice and helpfully. I recommend this company for all the Europeans driving around in Mexico
Super easy to purchase just the coverage you need when crossing the border in your own car. I especially appreciate the fact that I was...ble to choose from two different options. I was provided with my policy within seconds.
Great company. unlike their competitors, Baja Bound answers the phone and you're talking to a real person. Highly reccomend!
Very professional, very helpful, great policy, I couldn't be happier with Baja Mexican Insurance, the friendly smiles and ease of it all in...n getting just what I wanted, what I needed, at a very competitive price.
Quick, easy, well designed website and not just for Baja. Good rates for temporal residente gringos. We’re now living in Jalisco. Printed...d my policy before crossing the border in Laredo and was set to go. Well done Baja Bound!
We use them every time we travel to Mexico. Luckily we have not needed their services yet but getting insurance through them is quick and...easy.
Great service!
Great service, very helpful people there.
so far so good, however I have read good things about them
Reasonable prices and we thought best chance to actually get results if we needed them.
Easy to renew, offers the best coverage for me to feel comfortable while driving in Mexico.
Incredibly fast and painless. Paid about $180 for a month of coverage. It was easier than going on line.
Fast and easy!
Extremely easy to acquire a policy. Many options available. Reasonable rates.
They are very good . There website doesn't show you need a title to bring a vehicle across the border.I was stopped and told I had to...eturn to the United States. The border agents informed me that the insurance company should have known this . I still don't see anything that says you need a title I told the insurance company needs to look into this. I called them and they said they would definitely look into and let me know . I still think they are a 5 star rating.I hope to hear from them so everybody will know what the rules really are. 👍 I will give you a up date to this when I hear from them 🌝
Quick easy to navigate website
Great company, great prices, and even better customer service. We've lived in Baja for 7 years and have used them for the past 6years....rtunately only claim has been road side assistance. Broke down on the way back from San Diego just inside Tijuana. Living in Ensenada we were worried about the cost of a tow that far. Insurance covered it completely all the way home. Driver license policy is great for up to 3 drivers and includes the road side. We've opted for full coverage on our vehicles that stay permanently in Baja just in case they ever got stolen. So far it's not been needed. But that's the thing with Insurance....you hope to never need it.
Easy and affordable.
Yara is very helpful and explains everything. Love working with companies like this.
I had an awesome experience with Baja Bound. Family owned and highly personal, top notch customer service. I have total peace of mind...ile driving in Mexico! Website is super user friendly. Thanks Baja Bound!!
Have never needed to use the insurance fortunately but the website always works great. Can buy a policy in about a minute.
Where do i start..... you dont know you have good insurance until you have to actually use it. I have had Baja Bound INS for over 5 years...and just recently got into an accident all the way down in Cabo. This was one of the smoothest processes I've ever been through. I would even say smother that having a accident in the states. The adjuster was on site within the hour, delt with the local police for me and made everything go so smooth. I cant say thanks enough to Geoff and his team for helping me out. I'm never leaving you guys!!!!!!!
If you’re looking for Mexican Insurance that you can trust and feel good about while traveling in Mexico, you’ve found the right place..... Our truck broke down on the way to Mexico we had to turn around come back get a different truck to go back into Mexico and it was easy switching the vehicles. I got a call back right away and they handled switching the vehicles right away.
Third time working with Baja Bound and they made it easy! Thanks!
Our go to Baja car insurance, everytime we take a visit down south . Usually it's for a day trip either for a quick getaway with the family...y or for some good tacos!! It's extremely easy login and Renew our car insurance having an account. Takes me about 5 minutes to login, Renew and print out the paperwork. I've been using Baja bound for a few years now and having that security on our car everytime, is just one less thing I have to worry about heading down south. Recommend it!
Easy and fast in less than 10 minutes you could have insurance for Mexico. I have used them for about 8 years already.
Great customer service, quick, friendly staff helpfully answered all questions, very patient with my learning curve on a new product. Would...d use them again and recommend them to anyone!
Baja Bound is #1. They make getting Baja Mexico insurance a pleasure.
Was planning to go to Mexico, but unfortunately my bike broke down. Got very friendly and fast service from Rigo. A full refund within back...k on my card within 2 days. Will definitely use them, if I get a chance to go again.
Baja Bound could not have made it an easier ... also, I made a mistake and called them having to leave a message ... but, they called back... within 10 minutes and corrected my mistake ... their website is EZ and I thought their prices fair (especially for peace of mind) ... 5 out of 5 for them!
This is an update to my previous review. Baja Bound, unbidden on my part, reached out to me to assist. They coordinated a contact with...UBB, and the insurance company made me whole by paying for damage sustained to my car. They even reimbursed the $300 payment (or bribe or ...) made to the other party. This is by far the best treatment ever received from an agency or insurance company. I can strongly recommend both Baja Bound and CHUBB. ------------------------------------------------------------------------------------------------------------------- This review is about the insurance process in Mexico with US agents. I have driven in Baja many times, but never had to use my Mexican auto Insurance. This time I did, and it is not a pretty picture: Having purchased a daily CHUBB insurance policy through BAJA BOUND, I drove across the border for a dental appointment. Almost immediately, I had a non-injury minor-moderate collision with another car. We waived each other down, drove a couple of blocks to a side street. We got out to exchange information and discuss - my spanish is extremely poor while the other driver spoke better English. He blamed me for the collision. I showed him my insurance policy. He said it was invalid. He called in a Policia Municipal officer who spoke little English. I showed my policy again. We would have to go to the policer station to work this out - not good! I called CHUBB in Mexico to report the incident and for help. Meanwhile, the other guy said that US$1,000 would settle his interest. I said: "no, forget it - I have insurance!" I asked the CHUBB agent to intercede and handed my phone to the Policia - they talked for a while and nothing happened - off to the Police Station!! I told the guy I was in pain, needed to go to the dentist, and offered him US$300, He said yes and took the money. The cop said to both of us: " OK, are you both satisfied?" We said yes. He left, I drove off, and went back across the US border. My CHUBB policy was apparently useless. I wrote a long note to BAJA BOUND about what happened, but never heard back from anybody. Apparently a slick website does not guarantee anything.
Excellent customer service
Shauna at Baja Bound was AWESOME!! We had specific questions about how to quote the policy based on our vehicle type and she was super...ponsive and thorough. 10/10 will use again for our Baja trips!
I recently purchased insurance for my trip with Baja Bound because of their reputation and reviews. Easy enough to purchase and print...ne, you just need your VIN and Plate #'s. We fortunately didn't need to submit a claim nor were asked for proof of insurance while spending a week in Mexico, but it was reassuring having printed off the policy and having access to it online. I bought online because it was easy a little leery about buying insurance in person at the border. Thanks for offering this service.
If you are going to Mexico Baja Bound is excellent. Buy online, good price, good quality. Fast and efficient.
I need a tourist visa for maxico I'm from pakistan help me sir
My wife and I were in Baja the 1st week of October. Insurance through Baja Bound was quick and easy. Thank you
Best insurance I've had so far
I have been a customer for years and when I really needed them they stepped up in every way. I had a freak accident to my car and they...nt out of the way to ensure I was taken care of. Five stars is not enough!!!
I always use Baja Bound to source my insurance while traveling to Mexico. Fortunately, I have not had to file any claims. I do appreciate... the ease of securing policies online. I also enjoy reading all of their online border crossing updates as well as their articles regarding the history of Baja California and places to visit.
Great company and they use CHUBB which is a top notch insurance company.We got our policy online 30min before crossing the border and were... covered,we decided to stay an extra day and called them up and got our policy extension it was real easy.There is a reason Baja veterans use them.
SERIOUS.
Great renewal process, if only south Dakota would do the same for car registration.
A very easy to use website and good selection and rates. In the 10 years I have travelled in Baja, this is the only site I have used.
Easy, quick and fair prices. Easy to deal with if needed.
Great service and prices!
Easy insurance for peace of mind
Baja Bound made it SO EASY to purchase insurance for our one week trip to Tijuana. I would definitely use them again for future trips and...would highly recommend them to anyone traveling in Baja.
fast replies and great price!
Good seevice have use baja bound for many years good price....
I have not had any claims thus far so rating is based on ease of purchase.
So convenient and easy to navigate thru the online process. I'll never use any other Mexican insurance service!
Very excellent service, needed insurance for Mexico, price was fair. The custumer service rep was Yara
Very convenient, great price !!