Can I Insure My Motorcycle to Drive to Mexico?
Yes, in fact it’s the law. Whether you’re driving a sedan, pickup truck or motorcycle to Mexico, you need Mexican auto insurance to drive legally in the country. Many U.S. motorists don’t realize that their comprehensive U.S.-based insurance policy will not cover them when driving in Mexico. In fact, proof of American insurance means nothing to Mexican authorities. If you are involved in a car accident and do not have Mexico motorcycle insurance you can be arrested. Fortunately, drivers and riders alike, have lots of flexibility when it comes to policy options.
Driving a Motorcycle in Mexico
In many ways, Mexico offers motorcycle riders idyllic landscapes for riding. If you’re heading down the Baja coast, you’ll have a pristine coastline, charming villages, and vibrant cities to look forward to visiting. Before you start your motorcycle road trip, you’ll want to obtain Mexican auto insurance for motorcycle coverage. It’s best to obtain a policy while you’re still home in the U.S. Otherwise if you wait until you enter Mexico, you’re likely to pay triple for the same type of coverage.
What Types of Mexican Motorcycle Coverage Do I Need?
We can help you select policy coverage that suits your needs. We can also accommodate any term of coverage that you need. For instance, if you’re only going to be in Mexico for 3 days, we have a 3-day policy. You can purchase the motorcycle coverage for Mexico at the Daily rate, semi-annual or annual. As a general rule of thumb, anything more than 20 days you’ll be better of purchasing a six-month policy. (compare rates with our quote tool here) We can also help you find liability limits you’re comfortable with, and what types of deductible amounts you’re comfortable with. We currently offer two distinctly different policies one from Qualitas and the other from Chubb. Chubb gives you fixed deductibles and a service level agreement of 14 days to resolve a claim (they are average 20 days). But Chubb is also a bit more expensive. As a side-note, we only offer the Platinum Endorsement from Chubb Mexican Motorcycle Insurance. We do not offer a lower quality plan as it does not meet our quality criteria. All policies at mexinsurance.com include Roadside Assistance.
What to Keep in Mind When Riding in Mexico
Depending on where you are traveling, Mexico features well-maintained highways and roadways, particularly those frequented by travelers. On the other hand, if you’re heading off the beaten track or even planning to visit more rural tourist hot spots like Valle de Guadalupe and its celebrated vineyards, you might encounter rough roads. Be sure to carry water with you and a charged cell phone in case you need to call for assistance. Also, always travel with your valid driver’s license and passport. It’s also important to have cash (pesos) as many roadside gas stations and tolls only accept cash payments.
Other Items to Consider:
FMM – all foreign visitors (tourists) are required to check-in with Mexico Customs at the border and get a Tourist Visa (FMM). You can fill the form online and bring it with you to save time.
Vehicle Temporary Import Permit (TIP) – if you drive your vehicle beyond the Mexico Free Zone then you also need a TIP. You can learn more about the Temporary Import Permit here.
We are dedicated to providing our clients with options and all the helpful information they need to make decisions about their Mexico Motorcycle insurance. You can expect to have an amazing motorcycle road trip in Mexico, but don’t forget to get your Mexican auto insurance before leaving the U.S.