When we issue insurance policies for drivers who are Mexico bound, we always counsel them to make sure they understand the exceptions. Mexico driving insurance is thorough and provides drivers with the peace of mind but there are exceptions. You could invalidate your policy in the following situations:
Mexico’s beaches and backways beckon adventure enthusiasts, but your Mexican insurance policy is not so adventuresome. If you choose to take your vehicle off of Mexico’s conventional roadways, you are not covered for damages. Your Mexico driving insurance policy does not cover you if you drive your vehicle on beaches or dunes.
Letting Your Teen Take the Wheel
Mexico features immense stretches of open road. You need permission to use your car for instruction. Moreover, a driving permit may not be recognized by Mexican authorities should you and your teen get pulled over.
Tide / Flood exceptions
Mexico’s coast is one of its most popular natural attractions. However, it’s important to be mindful about the incoming tide. If the tide comes in and causes damage to your vehicle, it won’t be covered by your policy. If you’re concerned about flooding, talk to our agents about possibly expanding your policy or getting more clarification about vehicle water damage.
Damage from Hauling exceptions
Be sure to opt for coverage that includes hauling. Hauling covers any damage to the vehicle or object your are towing. This type of coverage must be listed in your policy.
If you use your vehicle to race, you will invalidate your coverage should damage ensue. Mexican car insurance policy does not cover racing.
Be sure that you understand your policy in full before driving into Mexico. Talk to us if you are concerned about any of the exceptions to the policy. We may be able to add an addendum to your policy to ensure you get the coverage you need when you’re traveling across the border.