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HDI Mexican Insurance Policies

HDI Mexican Insurance Policies

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Read the HDI Seguros Conditions
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Civil Liability (Mandatory)

This section of the policy fulfills your proof of financial responsibility as required under Mexican law. The coverage pays for bodily injury, fatalities and property damage to third parties resulting from the use of the insured vehicle. Liability limits offered: U.S. $50,000, $70,000, $100,000, $200,000, $300,000 and $500,000 Combined Single Limit. Combined Single Limit means this limit may be used towards bodily injury liability, liability in case of a fatality, and/or property damage liability.

Excess Liability (Optional)

This section of the policy covers in case of fatalities to third parties resulting from the use of the insured vehicle after the civil liability limit (above) is exhausted. Excess liability limits offered: U.S. $150,000 or $300,000.

Physical Damage (Optional)

This section of the policy covers your vehicle up to the Actual Cash Value (ACV, see below for additional information) stated on your policy for collision, overturning, and glass breakage. The Actual Cash Value is subject to applicable deductibles. Acts of vandalism are excluded unless the HDI Premier policy is purchased. Towing expenses are covered to move the vehicle to a repair shop designated by HDI or up to U.S. $1000 limit if you choose another location.

Total Theft of Your Vehicle (Optional)

This section of the policy covers your vehicle up to the Actual Cash Value (ACV, see below for additional information) stated on your policy for total theft, fire, lightning, explosion, and natural disasters such as cyclones, hurricanes and earthquakes. The Actual Cash Value is subject to applicable deductibles. Partial theft is excluded unless the HDI Premier policy is purchased.

Medical Expenses For Occupants (Mandatory)

This coverage pays for medical expenses for the driver and occupants of the vehicle for injuries sustained in the event of a covered loss. Motorcycles, buggys and ATVs are not eligible for this coverage. Medical expenses limits available: U.S. $2,000 per person up to $10,000 per accident, U.S. $5,000 per person up to $25,000 per accident, U.S. $10,000 per person up to $50,000 per person and U.S. $20,000 per person up to $100,000 per person.

Guaranteed Bond and Legal Assistance (Mandatory)

Provides legal services and payment of bail bonds up to the limit of civil liability stated on the policy. These services are available 24 hours a day, 365 days a year.

Roadside Assistance and Towing

Roadside assistance and towing is included on all policies for vehicles up to 25 years old. Roadside assistance includes gasoline service, jumpstart, tire repair, and lockout service. Towing is available in case of an accident or breakdown up to $1000 limit.

Premier Policy:

HDI Seguros offers special expanded coverage if a Premier policy is purchased. These features include coverage for partial theft of permanently installed vehicle parts and vandalism.

Actual Cash Value:

In case of a total loss, HDI Seguros will adjust on the basis of the Actual Cash Value (ACV) of the vehicle at the time of the loss and based on the General Conditions of the policy. The NADA Guide may be used to determine the Actual Cash Value (ACV). (For modified or converted vehicles, please contact us for special approval). It is imperative that a realistic ACV of the vehicle is stated on your insurance policy. Under-insuring your vehicle(s) may result in financial penalties in the event of a loss. In the case of over-insuring any vehicle, the insurer has the right to adjust the Actual Cash Value to reflect the current market.

4.8 81 Reviews
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    Jose Paez
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    Had a great experience getting insurance at Baja Bound, before I always stoped at the border to purchase my insurance, not anymore. By the...

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    Stefano Pensa
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    I talked with Yara and she was extremely helpful. She took the time to explain the different options available to me and I was able to get...

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    JUSTINE SERRANO
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    I purchased insurance through them & CHUBB for our trip to San Felipe. Unfortunately, we had to cancel due to our vehicle having an oil...

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    Christian Minor
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    Team were on point, provided inside information, prices were great and they had my proposal already in the system when I called back....

  • user logo
    Joey Digiovanni
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    Easy to work with 😉. Always courteous and helpful

  • user logo
    George
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    Excellent customer service

  • user logo
    Kellye Pummill
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    Fast and easy!

  • user logo
    robert kepper
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    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...

  • user logo
    Jennifer Toups
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    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...

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    Cesar Lopez
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    Very convenient,  great price !!

  • user logo
    Louis Schneidman
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    I had an awesome experience with Baja Bound.  Family owned and highly personal, top notch customer service.  I have total peace of mind...

  • user logo
    Phil Noble
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    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....

  • user logo
    Jeff Bunker
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    Great coverage options . Price buy and print policy , very quick and easy , highly recommend them when driving in Mexico

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    Burrell DeVine
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    Easy to navigate and very competitively priced! I had to call in and add an additional day, they couldn't have been any more pleasant to...

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    Nereyda Torres
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    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...

  • user logo
    james whitmer
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    Best insurance I've had so far

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    Rail1riders
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    Quick, easy, well designed website and not just for Baja. Good rates for temporal residente gringos. We’re not living in Jalisco. Printed...

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    Matt B
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    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...

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    Refugio I. Rochin
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    Excellent online and by direct phone. Spanish and English with proven response to questions. Website is very informative about driving in...

  • user logo
    Kelly Carney
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    Yara is very helpful and explains everything. Love working with companies like this.

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    Slumdog Gump
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    Changed some money. Good rate and friendly people.

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    Jeff G
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    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...

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    don letson
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    Great renewal process, if only south Dakota would do the same for car registration.

  • user logo
    len buckholtz
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    SIMPLE, STRAIGHTFORWARD. OLD GUYS LIKE THAT. WILL DEFINITELY USE IN 6 MONTHS IF STILL RUNNING AROUND THE WILDS OF BAJA.

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    Susana Judd
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    Easy, quick and fair prices. Easy to deal with if needed.

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    Seismic Waterfinder
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    Very excellent service, needed insurance for Mexico, price was fair. The custumer service rep was Yara

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    Nicolas Dervé
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    Very good ans very fast. We hope all will ben good if we need it.

  • user logo
    Blake Glassco
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    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...

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    JohnPaul Gemelli
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    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...

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    Jeff Brandt
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    so far so good, however I have read good things about them