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Tips for Buying Mexican Insurance

Tips for Buying Mexican Insurance

We receive many calls from customers who would like to know more about Baja Bound and how we do business. Although choosing an agency is important in case you need assistance with a policy or claim, it may be more important to know how your insurance company works if you have a claim.

Chubb and HDI Seguros work in a tourist friendly manner and offer these features:
  • Repairs may be made in the U.S. or Canada when possible
  • U.S./Canadian repair rates are used, not Mexican repair rates which can be significantly lower
  • Claims may be settled in U.S. dollars
  • U.S. toll free numbers are available to follow up on claims
  • Claims service is available 24 hours a day
Why is it important that repairs and claims may be paid at U.S. and Canadian rates?

No other feature of Mexican insurance is more important than how the insurance company will pay your claim. Other insurance companies may not pay a claim using U.S/Canadian rates like our companies do and may pay you in Mexican pesos and/or at Mexican repair rates. This could mean that you may be required to have your vehicle fixed in Mexico or they may pay you a fraction of the cost of repairing the vehicle in the U.S. and Canada. This may be OK if you live in Mexico, but if you are a visitor and need to get home, this can be inconvenient. If you decide to leave and get your car fixed at home, you may end up paying up to 2/3 of the repair out of your pocket. That does not sound like full coverage to us! Our repairs and claims are settled in the U.S. and Canada whenever possible.

How are claims paid?

Claims are paid in a similar fashion to that of the U.S. Once the claim is filed, all the necessary paperwork will have to be submitted and reviewed. If the vehicle was damaged, a repair shop will be selected and the repair will begin. If the vehicle was stolen and not recovered within a certain period, the insurance company will either pay you if you are the registered owner and/or your lien holder.

Important points to consider if you have a claim:
  • Report the claim in Mexico before leaving. They may need to send out an adjuster.
  • Obtain all necessary police reports before leaving Mexico.
  • If the vehicle was stolen, you will need to report it to multiple authorities. An adjuster can help you with this.
Our underwriters:
chubb

Learn more about Chubb Seguros.

Learn more
hdi

Learn more about HDI Seguros.

Learn More
4.8 81 Reviews
  • user logo
    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...

  • user logo
    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...

  • user logo
    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

  • user logo
    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...

  • user logo
    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

  • user logo
    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...

  • user logo
    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...

  • user logo
    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.

  • user logo
    Slumdog Gump
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    Changed some money. Good rate and friendly people.

  • user logo
    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.

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

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

  • user logo
    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