MEXICAN VEHICLE INSURANCE PIONEERS
The non-profit Vagabundos del Mar Boat and Travel Club was "born" in 1966 when a few good buddies began adventuring into Baja California and mainland Mexico, looking for good fishing spots. In 1971, "the Vags" were incorporated as a non-profit social club, dedicated to helping members make friends and have fun. Today, the Vags are Baja's oldest travel club, with 12,000+ members. The club is still non-profit, and still dedicated to its original mission:
"Helping its members travel safely, economically and
As our membership increased and folks started spending more and more time in their Baja Peninsula and Mexican recreation land, especially during the winter season when the snow was flying, Club Management began to search for ways to allow members the flexibility of staying south of the border for longer periods of time without having to pay the enormous Mexican insurance premium daily rates at the border. The idea of Club rates, for a special, safety-minded group surfaced. As a group our insurance loss ratios are low and this in turn allows the Mexican insurance company to grant lower rates.
We’re pleased to now be able to make purchasing Mexican vehicle insurance much easier for our members. By clicking on the Insurance Quote button you are on the way to printing out a policy in a few minutes and being on your way.
What you get is low-cost insurance that is backed by solid claims adjustment – without which insurance has no real value. Our policies also include the all-important Legal Aid, which engages a Mexican attorney if one is needed for a vehicle accident. Some of our Insurance Program benefits include:
The purchasing power of thousands of members, the fact
that we are the only non-profit Baja Peninsula and Mexican travel
club and our minimal number of claims has allowed us to continue
to negotiate the low-cost premiums that we offer our members.
WHY Get Mexican Vehicle Insurance? “I’m just going on a day trip to Baja California to do some sightseeing or fishing”, you say. As harmless and benign as this sounds, unexpected life-changing events may transpire. Don’t take a chance. Once you’ve determined your Mexico destination, call the Vagabundo office to obtain the vehicle insurance coverage that you’ll need. You’ll be pleasantly surprised how affordable our Mexican insurance is.
Determine WHERE in Mexico You’ll Be Going. We have two area vehicle coverages – all of Mexico or only the northwestern portion at a lower premium level. Wherever you will be going in Mexico, pay close attention to your current automobile insurance at home. More than likely this will cover you only in the United States or Canada. In any event, the Mexican government does not recognize such policies as valid.
Determine WHAT You Want Your Mexico Insurance to Cover. Do you want to cover collisions? Accidental rollovers? Or broken glass? What type of vehicle do you want to insure – car, motorcycle or motorhome? Are you going to be towing anything, or using a boat? It’s a good idea to take stock of what you will be driving and taking with you to Mexico.
Below are a few of the more frequent questions we get concerning Mexican Insurance. If you have specific question or concern not answered here, don't hesitate to call the Vag office or post on our Forums.
Q. Does my U.S. or Canada vehicle insurance cover me in Mexico?
Q. How is the value of my vehicle determined?
Q. What if I have a loan on my vehicle?
Q. If I’m borrowing a vehicle
will I need any special documents?
Q. What is Liability Only?
Q. Do I need a Mexico Vehicle Permit?
Q. What is the Legal Aid coverage that is included
in my policy?
It is important to understand the Terms and Conditions of the Mexican policy and the limitations on labor rates, towing etc. Vagabundos can answer any questions you have about the policies we offer, travel information and driving safety; we can not adjust or negotiate claims.
QUESTIONS ABOUT YOUR INSURANCE POLICY
1. Does your policy cover medical payments for the people in your vehicle?
If you have a standard full coverage policy your shop rate is $35 per hour
Members learn from other members and by reminders from Club Management the keys to staying safe on Mexican roads –
Making sure your vehicle is in tip-top condition is
another important rule. Members are good about sharing hazards
and road conditions when traveling and these are in turn passed on
to the entire membership.