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Motorcycle Insurance

Motorcycle Insurance

Baja Bound offers liability-only and full coverage motorcycle policies through HDI Seguros and Chubb Seguros. Coverage is valid for vehicles registered in the U.S., Canada, and other countries (excluding Mexican plated vehicles).

Features of our motorcycle policies:
  • Both HDI and Chubb are rated 'A' by Standard and Poors
  • 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 Chubb Platinum and HDI Premier policies
  • Several limits of liability are available
  • No medical payments coverage for the driver or passenger
  • 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
Important: Coverage is only valid on conventional roads, not off-road, while racing or on beaches. Some dirt roads are conventional roads if they are normally transited. There is no coverage on roads that are impassable.

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, or your motorcycle is not street legal (registered and plated), please feel free to contact us and we'd be happy to look into special approval for you.

If you will be towing your motorcycle and then riding it on conventional 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.

Frequently Asked Questions
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?

Not at this time. We recommend checking with your U.S. or Canadian medical or health insurance provider 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. A popular company among our customers is Medjet. We are not affiliated with Medjet and cannot provide quotes or recommendations about them or their coverage.

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

If you will be towing your motorcycle first and then riding it on conventional roads, two separate policies are needed.

  • If you would like full coverage on the motorcycle: (1) Add the motorcycle as a towed item on the primary vehicle's policy, and select "Liability Only" under "Coverage Type." (2) Issue a separate motorcycle policy and select the motorcycle's value so that you will have full coverage (available for street legal 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, and select "Liability Only" under "Coverage Type." (2) Issue a separate policy for the motorcycle, and select "Liability Only" under "Coverage Type". The motorcycle will now be covered for liability coverage while being towed or driven separately.
  • 4.7 93 Reviews
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      Benjamin Driebe
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      Absolutely fantastic, I already forgot her name because I have a terrible memory but the woman that helped me on the phone was wonderful,...

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      fast replies and great price!

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      Juan Zuniga
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      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...

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      Richard Schweiger
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      Very professional, very helpful, great policy, I couldn't be happier with Baja Mexican Insurance, the friendly smiles and ease of it all in...

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      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...

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      I need a tourist visa for maxico I'm from pakistan help me sir

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      Very easy, quick, and professional

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      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...

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      Edilver Martinez
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      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...

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      Daniel Markofsky
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      Third time working with Baja Bound and they made it easy! Thanks!

    • user logo
      Steve Bender
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      Have never needed to use the insurance fortunately but the website always works great. Can buy a policy in about a minute.

    • 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...

    • user logo
      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....

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

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      George
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      Excellent customer service

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      Kellye Pummill
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      Fast and easy!

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      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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      Very convenient, great price !!

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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...

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      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....

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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...

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      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...

    • 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...

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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.

    • 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.

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

    • user logo
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      SERIOUS.

    • user logo
      Kenneth Trass
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      Getting a policy was simple, Provided more than provider for price comparison.

    • user logo
      Esther Valencia
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      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...

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      Larry Cottingham
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      Great service, very helpful people there.

    • user logo
      Luis Cortes
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      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...

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      j dougher ty
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      EZ Peasy insurance purchase. Great service every time I've used them. Had to cancel one time when my travel plans went away - no problem....

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      Extremely easy to acquire a policy. Many options available. Reasonable rates.

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      Colin
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      Super-easy and instant. Very happy with initial purchase.

    • user logo
      Howard M Elster
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      2nd year with Chubb. No problems

    • user logo
      Cyndee Congrove
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      Art Eugenio
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      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...

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      Been going to baja for 45 years. This is best insurance company i have come accross.

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      RaMon McBride
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      I have not had any claims thus far so rating is based on ease of purchase.

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      Larry French
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      By far the best service for Mex insurance in Baja. They are personally there for you if you have problems south of the border.

    • user logo
      Tudor Thomas
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      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...