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Boat Liability Insurance

Boat Liability Insurance

Baja Bound offers Mexican insurance policies for recreational boats and watercraft. Policies cover the legal requirement of liability coverage should you be involved in an accident on the water only. Policies are offered through Chubb Seguros.

Important: Mexican watercraft policies do not cover the boat while it is being towed by a primary vehicle. Coverage for towed boats (and trailers) may be issued on your Mexican auto policy. If you are towing your boat or watercraft, two policies are recommended:
Types of Watercraft Covered by this Policy:
  • Powerboats
  • Sailboats
  • Yachts
  • Personal Watercraft - Jet Skis, Sea-Doos, Waverunners, etc.
Features of the Chubb Seguros Watercraft Liability Policy:
  • Daily or annual policies
  • Recreational use only (no commercial use or racing)
  • For boats and watercraft up to 175 feet
  • Boats and watercraft registered in the U.S. or Canada (please call us for additional countries)
  • Policy does not cover physical damage, theft, or medical payments for boat or watercraft passengers
FAQs about Mexican boat and watercraft policies
What is Mexican boat liability coverage?

Mexican boat liability insurance covers your civil liability for property damage or bodily injury you might cause to third parties. It does not cover damages to your boat or watercraft, or injuries to occupants of your watercraft, but it does cover damages and injuries to other property and people.

Why do I need Mexican boat liability insurance?

Boats entering Mexican ports are required to carry civil liability (third party) coverage for potential damages to third parties. As with operating a vehicle in Mexico, you must have proof of financial responsiblity in the event that you are involved in an accident while operating a boat in Mexican waters and ports.

Are damages to my boat or watercraft covered by this policy?

No. Physical damage or theft of your boat/watercraft is not covered by this policy. For that type of coverage, you need physical damage (Hull) coverage from an authorized provider.

Do you offer physical damage (hull) coverage for boats and watercraft?

We do not offer this type of insurance at this time. Some U.S. boat/watercraft insurance physical damage coverage extends into Mexico. Please contact your U.S. insurance agent/company to find out if your U.S. policy will cover you.

What boats and watercraft are excluded from this policy?

Any commercial vessel, vessels used for hire whether for public transportation of cargo or passengers, or those used for wholesale or retail delivery are all excluded from coverage. Vessels are also not covered while racing or while involved in competition of any kind, including support vehicles for racing events.

What information will Baja Bound need to issue my boat or watercraft policy?

  • Year of boat or watercraft
  • Type of boat: powerboat, sailboat, yacht or personal watercraft
  • Length of boat
  • Maximum speed
  • Country registered
  • Boat make and model
  • Registration number
  • Hull ID number (HIN)
  • Driver's license information for the primary operator
  • If there will be any operators under the age of 21
  • If there is a dinghy or tender on the vessel

How long will it take for me to receive my boat or watercraft policy?

Your policy will be available immediately after filling out the application and completing payment.

What is the refund policy on boat and watercraft liability policies for Mexico?

If the policy has not yet begun, a full refund will be issued. If a daily policy has already begun, there is no refund. If an annual policy has already begun, the refund is calculated by the number of days used based on the daily rate. Annual policies are fully earned 20 days after they have begun. Please contact us if you have any questions about a refund 1-888-552-2252.

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....

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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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    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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    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...

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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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    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...

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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...

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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...

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    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.

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    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.

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    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